top of page

Call Us: (305) 595-8850

13200 S.W 128 St. Bldg G Miami, Fl. 33186

Meet Your Team We Are Here To Help You..!!



Email:   Tel: Extension   201

1966   Started in insurance upon returning home from  junior college, while attending the University of Puerto Rico.


1971   Returned to Insurance after serving a three year tour of duty with the United States Army.


1975   Became Agency Manager and Sales Supervisor for the Miami agency of New England Mutual Life Insurance Company.


1982   Founding Partner of Amerinsurance Life Inc.


1998   Founding Partner of HBA Insurance Group, 


2004   Founding Partner of Employee Benefits Resources Inc.


Extensive experience in Life, Health, Disability Insurance and Employee Leasing Agreements

       Jovan Ribadeo

Email:    Tel: Extension   202

1999   Started as a Life and Health CSR with Insureplex.


2006   Transitioned to Employer Benefits Consulting becoming a Key accounts manager within the agency.


2012   Transitioned to Office Manager at EBR Inc. Became licensed as a 2-15 Health, Life and Annuities Insurance Agent. 


2014   Joined the EBC LLC as an independent broker creating and cultivating his personal book of business


2017   He became an Officer and Vice President of EBR Inc.

 He currently  specializes in health, life and ancillary insurance products both for commercial and individual clients.


Well versed in the new "ACA" mandates; Jovan is our Sales Manager and day to day sales contact and has vast  experience in Group Health and Employee Benefits in general.



Dedicated Customer Service Representative. Joined EBR Inc. in 2015. Messiel is our in house go to person for Individual and Group Health plans . She's a licensed Life and Health agent and handles customer relations, and marketing functions, as well as client proposals and claims issues.

Messiel has an associate degree of Arts, and over five years of customer service experience.


       Messiel Lembert

Email:   Tel: Extension   200

         Rosa M. Medina

Email:     Tel: Extension   203

Rosy is a dedicated Customer Service Representative, licensed in Life and Health products.

She has been with EBR Inc. since 2016. Handling customer relations, and marketing functions, as well as client proposals and claims issues.

EBR Inc. is a partner company of Employer Benefits Consultants LLC. Our group consists of more than thirty specialists in the industry and we consistantly qualify as a major agency with most carriers in South Florida.

bottom of page