Who I Am
My name is Serge Sendji Augustin. I am a licensed insurance agent in Florida — 2-15 Life, Health & Variable Annuity, FL License G231352 (NPN 21565385). I live in Ocoee, Florida.
For years, my work was health coverage for seniors — Medicare, Medicare Advantage, and Medicare Supplement plans. I have helped more than 400 seniors make hard choices with clear heads. Now I help Florida retirees learn a second subject: turning savings into income.
What I Am — and What I Am Not
- I am a licensed insurance agent. I teach and offer annuity products from the carriers that appoint me.
- I am not a financial advisor. I am not an investment adviser. I do not manage investments.
- I do not hold a securities license. I do not offer variable annuities or any securities product.
- I do not give investment advice. This site teaches. Your choices are yours.
How I Get Paid
Quotes are free. If you buy an annuity, the carrier pays me a commission. You never pay me directly. My teaching does not change with the product.
My Promise
Plain words. Full contracts. No rush. I will show you the surrender schedule before the sales pitch. I will name the carrier on our first call. And if an annuity is wrong for you, I will say so.
Frequently Asked Questions
Are you licensed to sell annuities in Florida?
Yes. My Florida 2-15 license includes variable annuity authority — FL License G231352, NPN 21565385. Look me up on the Department of Financial Services website.
Can you sell me a variable annuity?
No. Variable annuities also need a securities license, which I do not hold. I explain them here for education only.
Do you charge for quotes or teaching?
No. Both are free. I earn a commission from the carrier only if you buy.
Will you name the carrier before I buy?
Yes — on our first call, before we talk about any product or number.