About Affordable Insurance Agency

I’m Frances J. Cardinale, founder of Affordable Insurance Agency. For over 36 years, I’ve been helping individuals, families, and groups find insurance solutions that fit their needs, budgets, and goals. Licensed in multiple states, I offer Medicare, life insurance, final expense coverage, health insurance under 65, and more.



With a background in human services and a passion for guiding others, I make insurance simple, clear, and stress-free. My mission is to listen, understand your needs, and match you with the most cost-effective plan that delivers the protection you deserve.

I’m proud to serve clients across multiple states, offering personalized insurance solutions no matter where you call home. My resident state is Pennsylvania, and I’m also licensed in Delaware, Florida, Texas, New Jersey, Maryland, North Carolina, South Carolina, New Hampshire, Maine, and Virginia. Whether we connect in person, over the phone, or online, I’m committed to providing the same level of care, attention, and expertise to every client I work with.