The Advisor Who Educates Before He Recommends
31 years. 1,500+ Florida families. One philosophy: understand your coverage before you need it — or you'll discover the gaps at exactly the wrong moment.
Licensed
"I Wanted to Be the Advisor I Wish I'd Had."
Arnold Rabinowitz founded Main Street America Insurance, Inc. in 1995 with a single conviction: people deserve to understand their insurance before they're forced to use it.
After years watching Florida families get sold policies they didn't understand — only to discover the gaps when they filed a claim — Arnold built his practice around the opposite approach. Education first. Recommendation second. No pressure, ever.
As an independent advisor, Arnold has never been tied to a single carrier. He shops life insurance, health insurance, Medicare supplements, dental, annuities, and long-term care across every major Florida carrier — then explains your options in plain language, including the trade-offs, until you actually understand what you're choosing.
"My core value is honesty in educating my clients. I want every person who works with me to walk away knowing exactly what they're covered for — and why. Whether they buy from me or not."
31 years later, the mission is unchanged. Arnold still answers his own phone. Still takes the time to explain every plan. Still follows up after enrollment. Because the relationship doesn't end when the policy starts.
Four Principles Arnold Has Never Compromised
In 31 years, the insurance landscape has changed a dozen times. These haven't.
No policy gets recommended until the client understands what it does, what it doesn't cover, and why it fits their situation. Understanding is the product.
Arnold is not paid by any single carrier to favor their products. He shops 20+ major Florida carriers because the right plan isn't always from the same company.
When you have a question two years from now, Arnold picks up. Not a call center. Not a junior associate. The same person who explained your policy in the first place.
If the most expensive plan isn't the right fit, Arnold won't recommend it. If your current coverage is adequate, he'll tell you. Honest advice, even when it's not the answer that earns more.
Earned Over 31 Years — Not Just Listed
Every credential below represents a specific commitment — not a logo to put on a website.
Florida-licensed to sell life insurance, health insurance, and annuity products. The license has been held and renewed continuously since 1995 — 31 consecutive years of verified professional standing with the Florida Department of Financial Services. This isn't a new license. It's a 31-year track record.
The CSA designation is awarded by the Society of Certified Senior Advisors to professionals who complete specialized training in the health, financial, and social challenges facing adults 65 and older. For Arnold's Medicare and senior insurance clients, this means working with an advisor who understands the full picture — not just the policy.
The NABIP is the leading national advocacy and professional development organization for health insurance and benefits professionals. Membership reflects a commitment to professional standards, consumer advocacy, and staying current with ACA, Medicare, and private market changes that affect Florida clients.
A+ BBB ratings are earned through a pattern of responsive, ethical business conduct over time — not a one-time certification. Main Street America Insurance, Inc. has maintained its A+ accreditation for over 20 consecutive years. That's the result of complaint-free operations, prompt response to any client concerns, and transparent business practices for two decades.
Arnold's agency is accessible at mainstreetamericainsurance.com and onlinefloridainsurance.com. Google reviews, BBB records, and Florida DFS license verification are all publicly available. Everything Arnold claims can be checked.
Arnold Works for You.
Not for a Carrier's Quota.
A captive agent — someone who works for State Farm, Allstate, or any single insurance company — can only show you that company's products. They may be excellent people. But they literally cannot tell you if a competitor offers a better plan for your situation.
Arnold's independence means no such limitation exists. He compares plans across all major Florida carriers for every client — and recommends whichever plan actually fits. Not whichever plan hits a monthly target.
Arnold compares premiums, coverage details, and plan structures across 20+ carriers. You get the complete picture — not the one plan his employer wants sold.
Every plan has pros and cons. Arnold explains both — including what the plan doesn't cover and when a different carrier might be a better fit for your specific health needs.
When your life changes — new job, retirement, turning 65, new dependent — Arnold reviews your coverage again. Because what was right two years ago may not be right today.
(561) 737-2958 and (561) 702-6778 are Arnold's direct numbers. When you call, he answers. Not a receptionist. Not a claims department. Arnold.
Better Business Bureau
20+ Consecutive Years of A+ Rating
20 Years of A+. That's Not a Badge — That's a Track Record.
BBB accreditation isn't purchased. It's maintained through consistent ethical business conduct, transparency, and responsive resolution of any concerns. An A+ rating held for over 20 consecutive years means two decades of clients — over 1,500 served — with zero pattern of unresolved complaints.
In an industry where reputation can deteriorate fast, Arnold has maintained the highest possible BBB rating through every market change, regulatory shift, and economic cycle since the late 1990s.
Important: We Are Not Affiliated With the "MSA Insurance" Carrier
Approximately two years ago, a separate insurance company rebranded and began using a name similar to ours. Main Street America Insurance, Inc. — with the "Inc." — is Arnold Rabinowitz's independent agency, incorporated in Florida and operating continuously since 1995. We are an entirely separate, independently-owned business with no affiliation to that carrier whatsoever.
If you've received a document, ID card, or communication from an insurance carrier using a similar name and are unsure who to contact, please call Arnold directly at (561) 737-2958 — he'll help you sort it out.
Arnold's agency is also accessible at onlinefloridainsurance.com if you want an additional way to verify you're reaching the right place.
How Arnold Thinks About Every Client Conversation
Three commitments that shape every consultation — before a single policy gets discussed.
Before Arnold talks about a single product, he listens. Your age, health, income, family situation, existing coverage, and financial goals all shape what makes sense — and what doesn't. This step is not a form. It's a conversation.
Arnold explains every option, every trade-off, and every exclusion in plain English. He keeps explaining until you understand — not until you stop asking questions. There's a difference. He'd rather spend an extra 20 minutes now than have you confused at a claim.
Arnold recommends the plan that fits your situation — even if it's not the most expensive, even if another carrier would pay him more. If your current coverage is adequate, he'll tell you. The recommendation is always for you, not for a commission.
31 Years of Trust — In Their Own Words
"Arnold took the time to explain every Medicare option clearly. I had been confused for months trying to research on my own. After one conversation with him, I knew exactly what to choose and why. He's been my advisor ever since — and I've sent three members of my family to him."
Medicare Client · Google Review · 5 Stars"I called Arnold after getting quotes from two other agents. He was the only one who actually explained the differences between plans instead of just pushing one. He found me better coverage at a lower premium."
"Arnold has been handling our family's life and health insurance for over 10 years. He knows our situation, remembers our history, and calls us when we need to make changes. That kind of personal service is rare."
Ready to Talk to an Advisor Who Actually Explains Things?
A free, no-obligation consultation with Arnold takes 30 minutes and will give you more clarity on your coverage options than hours of reading on your own. No pressure. No sales pitch. Just honest information.
Available Mon–Fri 8:30 AM–7:30 PM · Weekends by appointment · Arnold answers personally