Cross-Practice Insurance

Protecting Families, Safeguarding Businesses, Preserving Legacies in Boca Raton and Beyond

At Cross-Practice Insurance, we believe financial security isn’t optional it’s essential. Based in Boca Raton, Florida, we help families, professionals, and business owners make smarter, more strategic use of insurance.

Whether you want to protect loved ones, ensure business continuity, or build retirement confidence, we deliver strategies that go beyond off-the-shelf policies.


Why Insurance Can’t Wait

Don’t leave your family or your business unprotected. The best time to plan is before you need it.

For Families & Individuals

  • 48% of U.S. adults say they would feel the financial impact of losing their household’s primary wage earner within six months.¹

  • Nearly 1 in 3 households have no life insurance at all leaving loved ones financially exposed.¹

  • With modern no-exam policies, many families can secure coverage in as little as 10 minutes.

For Business Owners

  • 60% of small businesses shut down within six months of losing a key person.²

  • Only 20% of family-owned businesses survive into the second generation often because succession planning wasn’t in place.³

  • A buy-sell agreement funded with life insurance can mean the difference between business continuity or closure.

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¹ LIMRA, 2023 Insurance Barometer Study

² U.S. Small Business Administration
³ PwC Family Business Survey

What We Offer

Tailored protection designed around your goals:

  • Life Insurance Flexible, modern coverage for families and business owners.

  • Long-Term Care Insurance Preserve independence and protect your assets.

  • Disability Insurance Safeguard your income and lifestyle.

  • Annuities Build retirement confidence with guaranteed income strategies.

  • Business Owner Solutions Succession, continuity, and tax-advantaged planning.

Explore Our Services

Life Insurance

Protect your loved ones with flexible, modern life insurance. At Cross Practice, we make coverage simple many people under 50 can now qualify without a medical exam, reducing approval time from 60 days to just 10.

Disability Insurance

Your income is your greatest asset protect it.If you’re like most professionals, your ability to earn an income is the foundation of your financial plan. Disability insurance ensures that if illness or injury prevents you from working, your financial stability continues.

Annuities

Turn retirement savings into guaranteed lifetime income.

Annuities are not investments. They are insurance products designed to protect you from one of the greatest risks in retirementoutliving your money.

Life Insurance for Business Owners

Protect your assets from the rising cost of care. Nearly 30% of bankruptcies in the U.S. are tied to unpaid medical bills. With long-term care facilities averaging over $100,000 per year and stays lasting around three years that can mean a $600,000 after-tax hit to retirement savings.

Long-Teram Care Insurance

Protect your assets from the rising cost of care. Nearly 30% of U.S. bankruptcies stem from medical bills. With long-term care averaging $100,000 per year and stays of three years, that’s a $600,000 hit to retirement savings.

Life Insurance

At Cross-Practice, we make life insurance simple and flexible. Many people under 50 can now qualify without a medical exam, reducing approval time from 60 days to just 10.

Disability Insurance

Your income is your greatest asset protect it. Disability insurance helps safeguard your financial security if illness or injury prevents you from working.

Annuities

Turn retirement savings into guaranteed lifetime income. Annuities protect you from one of the greatest risks in retirement outliving your money.

Long-Term Care Insurance

Protect your assets from the rising cost of care. Nearly 30% of U.S. bankruptcies stem from medical bills. With long-term care averaging $100,000 per year and stays of three years, that’s a $600,000 hit to retirement savings.

Life Insurance for Business Owners

Protect your assets from the rising cost of care. Nearly 30% of bankruptcies in the U.S. are tied to unpaid medical bills. With long-term care facilities averaging over $100,000 per year and stays lasting around three years that can mean a $600,000 after-tax hit to retirement savings.

Quick Comparison: Types of Life Insurance

Type

Best For

Key Benefits

Term Life

Families with mortgages, young parents

Affordable, temporary coverage (10–30 years)

Whole Life

Long-term planners, estate needs

Permanent protection + cash value growth

Universal Life

Flexible households, changing income

Adjustable premiums & benefits

Indexed UL

Savvy savers, wealth builders

Market-linked growth with downside protection

Quick Comparison: Types of Life Insurance

Term Life

Best For:

Families with mortgages, young parents

Key Benefits

Affordable, temporary coverage (10–30 years)

Whole Life

Best For:

Long-term planners, estate needs

Key Benefits

Permanent protection + cash value growth

Universal Life

Best For:

Flexible households, changing income

Key Benefits

Adjustable premiums & benefits

Indexed UL

Best For:

Savvy savers, wealth builders

Key Benefits

Market-linked growth with downside protection

Get Started Today

Peace of mind is closer than you think. Whether you’re in Boca Raton, Palm Beach County, or the surrounding South Florida communities, Cross-Practice Insurance is here to help.

We are also licensed in other states, please see info below to check your state.

Why Trust Cross-Practice?

Choosing the right insurance partner is about more than policies it’s about confidence, clarity, and care. Cross-Practice stands apart through:

  • Over 15 years of experience in life insurance and financial services

  • Licensed professionals with Series 65, 63, 7, and 24 credentials

  • Deep knowledge of the needs of Boca Raton families, professionals, and business owners

  • Expertise across family, business, and retirement planning strategies

  • A people-first approach that combines technical know-how with empathy and trust

With us, you don’t just get coverage you gain a partner committed to protecting what matters most.

Why Trust Cross Practice?

Choosing the right insurance partner is about more than policies it’s about confidence, clarity, and care. Cross Practice stands apart through:

  • Over 15 years of experience in life insurance and financial services

  • Licensed professionals with Series 65, 63, 7, and 24 credentials

  • Deep knowledge of the needs of Boca Raton families, professionals, and business owners

  • Expertise across family, business, and retirement planning strategies

  • A people-first approach that combines technical know-how with empathy and trust

With us, you don’t just get coverage you gain a partner committed to protecting what matters most.

Meet Our Founder

Arthur Zapesochny, President

Life Insurance Strategist | Boca Raton, FL

Arthur’s mission is simple: to help families, professionals, and business owners plan smarter and protect their futures. His unique blend of insurance expertise, financial credentials, and personal values ensures every client gets more than coverage they get real strategy and guidance.

Boca Raton Insurance FAQs

What’s the fastest way to get life insurance in Boca Raton?

With our no-exam, digital application process, many clients are approved in as little as 10 minutes.

Do I need both life and disability insurance?

They serve different roles—life insurance protects loved ones if you pass away, while disability insurance protects your income if you can’t work. Many Boca Raton professionals benefit from having both.

How can business owners protect their company if something happens to them?

Tools like buy-sell agreements funded with life insurance and key person coverage help ensure continuity and financial stability.