Licensed Advisors Who Work for You — Not an Insurance Company
A&E Insurance Agency was founded on a simple belief: people deserve honest, pressure-free guidance when it comes to Medicare. As an independent agency, we aren't tied to any single insurance company — which means our only job is to find the right coverage for you.
We serve families across South Florida from our Miami office, and we've built our reputation one conversation at a time — on patience, transparency, and staying available long after enrollment day.
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Steve Germain
Founder & Licensed Medicare Broker
Steve Germain is a licensed independent Medicare insurance broker and author with more than a decade of experience helping South Florida families navigate Medicare with clarity and confidence.
His commitment to service was shaped early on by accompanying his grandfather to doctor appointments and witnessing firsthand the real challenges people face when trying to understand Medicare. That personal experience became a professional mission: to make Medicare easier to understand and more accessible for everyone.
Steve truly enjoys making confusing topics easy to understand and believes every client deserves honest guidance, personalized education, and exceptional service. As the founder of A&E Insurance Agency, LLC, he leads a team dedicated to helping people make informed, confident decisions about their healthcare every step of the way.
Miderve Germain
Associate Financial Advisor / Medicare Broker
Miderve Germain is an Associate Financial Advisor holding both her Series 6 and Series 7 licenses, bringing over 14 years of financial planning experience from her time at Northwestern Mutual.
Now proudly part of the A&E Insurance Agency family, she channels that same depth of expertise into helping our clients approach retirement with clarity, confidence, and a plan they truly understand.
Miderve has a genuine passion for guiding people through one of life’s most important transitions — ensuring every client she serves feels informed, empowered, and ready for what’s ahead.