Helping Families Find the Right Coverage for Over 10 Years
Meet F&F 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
F&F Benefit Advisors was founded by Francis Ferrer, an insurance agent with over 10 years of experience helping individuals and families understand their coverage options.
After seeing how confusing and overwhelming Medicare, life insurance, and retirement planning can be, Francis created FFBA to provide a personal and caring approach that makes the process simple and stress free.
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©2025 F&F Benefit Advisors, LLC. All Rights Reserved.
Copyright©2025 F&F Benefit Advisors, LLC. All Rights Reserved.