Serving South Florida Since 2013

Plan Today,
Prospr Tomorrow

South Florida's family-first insurance advisor. Life, health & Medicare coverage tailored to your needs — with someone who actually cares in your corner.

Licensed & Insured
12+ Years Experience
Bilingual: EN & ES
9AM–9PM, 7 Days
Hugo Scamarone - Prospr Insurance Solutions
12+
Years Licensed

Meet Hugo Scamarone

South Florida's Family-First Insurance Advisor · NPN #17122103

Licensed since 2013, Hugo's path to insurance started with a deeply personal story. Growing up in Sunny Isles Beach after moving from New Jersey, Hugo spent years in the service industry — working in hotels and hospitality across South Florida.

Everything changed when his mom's best friend died in a car accident with no life insurance, leaving her family financially devastated. That moment became Hugo's mission: making sure no family goes unprotected.

Today, Hugo is a proud father of two boys, still with his middle school sweetheart, and dedicated to helping South Florida families navigate insurance with honesty and heart.

Licensed Since 2013
Bilingual: EN + ES
Father of 2 Boys
Independent Agent
"Insurance isn't a scary word. It's a safety net. You just need someone in your corner who actually cares — and I've spent 12 years proving that's me." — Hugo Scamarone

Coverage That Fits Your Life

From individual plans to family coverage, we help South Florida find the right protection at the right price.

Life Insurance

Term, whole life & IULs. Protect the people who matter most with coverage designed for your stage of life.

Health Insurance

ACA / Marketplace plans with subsidies. We find the best coverage for your budget — open enrollment or qualifying events.

Medicare

Medicare Advantage, Supplement & Part D plans. Turning 65 or already enrolled — we simplify the options.

Dental & Vision

Standalone dental and vision plans that keep your smile bright and your eyes sharp — affordable monthly rates.

Ancillary & GAP Plans

Hospital indemnity, accident, critical illness & GAP coverage. Extra protection for life's unexpected moments.

Get Your Quick Quote

See estimated premiums in seconds. No commitment — just clarity.

Tobacco Use
Estimated Monthly Premium
$24/mo
Based on 2026 Florida rates · Actual rates may vary
Talk to an Agent
Estimated Monthly Premium
$285/mo
Based on 2026 Florida ACA rates · Subsidies may apply
Book a Free Call

What Our Clients Say

Real experiences from real families we've helped protect.

"When looking for insurance it can be a daunting task. So many different players, so many different variables, real money, security and peace of mind at play... but with Hugo you can rest assured that he'll find you the best absolute deal and get you insured with the best possible coverage. Communication is great and the follow through is nothing less than best in class. 10/10 recommend!"
GM
Gadiel A. Marquez
via Google Reviews
"I had a great experience working with Hugo at Prospr Insurance Solutions. He was extremely knowledgeable, responsive, and made the entire insurance process simple and stress-free. He took the time to answer all my questions and helped me find the best coverage for my needs without any pressure. It's rare to find someone who is both professional and genuinely cares about helping their clients. I highly recommend Prospr Insurance Solutions if you're looking for reliable and honest insurance guidance."
MF
Minet Fernandez
via Google Reviews
"El señor Hugo ha sido una bendición para mi y mi familia, incluso, amigos. Es una persona que se toma el tiempo en explicar y guiarte en todo el proceso de seleccionar un seguro. Es muy responsable y atento. La verdad es que si estás necesitando asesoría en cuanto a ese tema tan complicado, no dudes en contactarlo a él."
RG
Raquel Gonzalez
via Google Reviews

Why Families Choose Us

We're not a call center. We're your neighbor — and we answer the phone.

12+ Years Experience

Licensed since 2013. Hugo has helped hundreds of families find the right coverage across life, health & Medicare.

Bilingual: English & Spanish

Hablamos español. Hugo and the Prospr team serve South Florida's diverse communities in the language they're most comfortable in.

9 AM – 9 PM, 7 Days a Week

Insurance questions don't wait for business hours. Neither does Hugo. Available evenings and weekends when you need him most.

Under 90-Second Response Time

When you call or text, we pick up — fast. No phone trees, no hold music, no "your call is important to us." Just answers.

Independent Agent — Works for YOU

Hugo isn't tied to one carrier. He shops across dozens of top-rated companies to find what actually fits your family's needs and budget.

100% Free Consultations

No fees, no obligations, no surprises. Every consultation is completely free. You only pay for the coverage you choose.

Trusted Carrier Network

We work with top-rated carriers to find the best coverage for you.

Aetna
Allstate
Ambetter
American Amicable
Cigna
Gerber Life
Mutual of Omaha
Oscar Health
Transamerica
Humana
Wellcare
Colonial Life
Aetna
Allstate
Ambetter
American Amicable
Cigna
Gerber Life
Mutual of Omaha
Oscar Health
Transamerica
Humana
Wellcare
Colonial Life

Group Voluntary Benefits

Affordable benefits packages that help you attract and retain top talent — without breaking the budget.

Powered by Colonial Life

We partner with Colonial Life to bring your team premium voluntary benefits at group rates your employees will love. Whether your team is W-2 or 1099 — as long as you have 4+ people, you qualify.

  • Dental — Up to $5,000/year in benefits. Yes, really. Nobody else offers that.
  • Vision — Comprehensive eye care coverage at low group rates.
  • Short-Term Disability — Income protection when your team needs it most.
  • Accident & Critical Illness — Extra protection for unexpected life events.
  • Life Insurance — Group life options for your entire team.
💎 Dental Benefit You Won't Find Anywhere Else

Colonial Life's dental plan offers up to $5,000 per year in coverage — the industry's best. Most competitors cap at $1,000–$1,500. Your employees deserve better.

Eligible businesses: 4+ employees (W-2 or 1099). No minimum employer contribution required for most voluntary plans.

Get a Free Group Benefits Quote

Tell us about your business and we'll put together a custom benefits package — no obligation.

We'll reach out within 1 business day. No spam, ever.

Let's Talk About Your Coverage

Book a free consultation — no pressure, no obligation. Just honest answers.

We're Here for You

Whether you're shopping for the first time or switching plans, we make it simple. Reach out anytime — we respond fast.

Serving
Aventura, Sunny Isles Beach & Miami
Hours
9 AM – 9 PM, 7 Days a Week
We never sell your information — ever.

Request a Free Consultation

Fill out the form and Hugo will reach out within 90 seconds during business hours.