Helping Families Find the Right Coverage for Over 10 Years
Meet Freedom Financial Benefit Advisors
We provide Medicare, life insurance, and retirement planning guidance with care and clarity for individuals and families across PA and NY.
Our Story
Freedom Financial Benefit Advisors (FFBA) was founded and is proudly owned by Francis Ferrer, a licensed life and health insurance broker with over 16 years of experience in the insurance and healthcare industry.
With a Master’s in Urban Studies and extensive public and private sector experience, Francis has dedicated her career to helping individuals and families navigate complex insurance options with clarity and confidence.
In 2025, she launched FFBA to expand her impact and bring a more personal, caring approach to Medicare, life insurance, retirement planning, and more. Her mission is simple: to guide clients through important decisions with transparency, empathy, and trust.
Now with a newly expanded office in the heart of the Lehigh Valley, FFBA proudly serves clients throughout Northeastern Pennsylvania, continuing Francis’s commitment to support the community with expert guidance and accessible care.
Who We Serve
Based in Pennsylvania and New York, FFBA is dedicated to guiding clients through important decisions such as Medicare enrollment, life insurance planning, funeral expense coverage, long term care, and annuities.
We focus on helping individuals and families feel confident and informed about their choices.
Our Promise to You
Francis believes that everyone deserves clear answers and compassionate guidance when it comes to protecting their health, family, and financial future.
At FFBA, you are not just getting insurance. You are getting a trusted partner who will be there for you at every step.
Frequently Asked Questions
“I keep hearing Medicare is ‘free’—so why are my healthcare bills still going up?”
It’s a common misconception that Medicare costs nothing. While Part A (hospital insurance) is free for most people, other parts—Part B (medical services) and Part D (prescription drugs)—have premiums, deductibles, and copays. You may still face 20% coinsurance or out-of-pocket caps even after paying premiums
“I’m overwhelmed by plan options—how do I know which Medicare plan fits me?”
You’re not alone. Comparing fee structures, provider networks, prescription coverage, and eligibility rules—especially for Medicare Advantage vs. original Medicare plus Medigap—can feel impossible. We simplify that choice and match you with the plan aligned to your needs and expected healthcare usage
“Do I really need life insurance at this stage in my life?”
Yes—especially if you have debts, expect final expenses like funeral costs, or want to leave something behind for loved ones. Affordable coverage today can prevent future financial stress for your family.
“How much life insurance should I get, and can I afford it?”
Your coverage depends on your family’s needs—such as paying off a mortgage, supporting dependents, or covering medical or funeral costs. We’ll help find a policy that balances careful protection with your monthly budget.
"I’ve heard annuities lock your money in—will I lose access to my savings?”
Some annuities include surrender periods where early withdrawals trigger penalties (often 5–10% annually, especially in early years) . You should understand liquidity rules clearly before choosing.
“How do I know if an annuity is safe?”
Safety depends on the financial strength of the insurer. Look for ratings like AM Best A‑ or better and make sure a state guaranty fund backs your contract up to mandated limits. We only work with financially stable providers
Confused About Your Medicare or Life Insurance Options?
Choosing the wrong plan can cost you time, money, and peace of mind. Let us guide you to the right coverage so you can protect your health, your family, and your future.
Copyright©2026 Freedom Financial Benefit Advisors, LLC. All Rights Reserved.
Copyright©2026 F&F Benefit Advisors, LLC. All Rights Reserved.