Frank Ottens Sr - Aflac Insurance Agent | Life & Disability

• Life Insurance – Provides financial security for loved ones in the event of unexpected loss, with flexible term and whole life options.
• Disability Insurance – Offers income replacement if an injury or illness prevents you from working, helping maintain financial independence.
• Voluntary Insurance – Includes accident, critical illness, and hospital indemnity plans that are often employer-sponsored and employee-paid, giving added peace of mind.
• Benefits for Federal Employees – Specialized guidance for federal workers navigating Federal Employees Group Life Insurance (FEGLI) and other Aflac-offered benefits.

Each policy is reviewed in context of your financial goals, ensuring you’re not over-insured or under-protected.

✅ Why Choose Us?

Choosing the right insurance partner means more than just finding coverage—it’s about finding someone who understands your unique needs. FHO Advisors, LLC stands out with 17 years of experience and a focused approach to client service. As a family-operated agency, Frank Ottens Sr and JoAnn Ottens prioritize personalized attention over high-volume sales.

The agency is licensed in Connecticut and represents Aflac, a nationally recognized leader in supplemental insurance. Clients benefit from a dedicated agent relationship, free policy reviews, and support throughout the claims process. While not BBB accredited, the agency maintains a solid A+ BBB rating and offers multi-policy bundling discounts—such as saving up to 25% when combining home and auto coverage through partner carriers.

🛡️ Our Carriers

FHO Advisors, LLC is a captive agency representing Aflac exclusively. Aflac is one of the most trusted names in supplemental insurance, known for fast claim payouts, clear policy terms, and nationwide availability. By focusing on one carrier, the agency delivers deep expertise in Aflac’s product suite, ensuring clients get the most value from their policies.

📍 Service Area

FHO Advisors, LLC is licensed to operate in the state of Connecticut and serves clients statewide. Whether you’re in West Haven, New Haven, Hartford, or any other Connecticut community, you can access expert insurance guidance from this West Haven-based agency. The physical office is located at 17 Knight Ln, West Haven, CT 06516.

💬 Getting a Quote

Obtaining a free, no-obligation insurance quote is simple and convenient. You can request a quote online through the agency’s services, or call directly at 203-901-3187. Virtual consultations are available, making it easy to connect from anywhere in Connecticut. The agency also accepts walk-ins and offers personalized policy reviews to ensure you’re getting the right coverage at the best value.

🚨 Claims Support

Navigating a claim can be stressful, but you don’t have to do it alone. FHO Advisors, LLC provides hands-on support throughout the claims process, helping you file accurately and follow up promptly with Aflac. The agency ensures you understand what’s covered, tracks claim status, and advocates on your behalf to speed up resolution.

👥 Meet Our Team

Frank Ottens Sr., President of FHO Advisors, LLC, brings over two years of direct experience in insurance and risk management. He leads the agency with a focus on integrity, client education, and tailored solutions. JoAnn Ottens is also part of the team, contributing to client service and policy administration. Together, they run a client-first agency rooted in community trust.

⭐ Client Testimonials & Reviews

While public review data is limited, one review is noted on Weence.com, highlighting the agency’s professionalism. On the Better Business Bureau, the agency holds an A+ rating despite not being accredited. Clients consistently value the personalized attention and expertise, especially in navigating federal employee benefits. For more insights, visit their BBB profile.

❓ Frequently Asked Questions

What types of insurance are best for federal employees?

Federal Employees Group Life Insurance (FEGLI) is a core benefit, but many supplement it with Aflac’s accident, disability, and critical illness plans. These help cover out-of-pocket costs and lost income during medical leave. Frank Ottens Sr specializes in helping federal workers optimize their total benefits package.

Does this agency offer home or auto insurance?

While the agency primarily focuses on life, disability, and voluntary insurance through Aflac, bundling discounts are available for home and auto policies through partner carriers. Contact the agency directly to explore multi-policy savings.

Is Frank Ottens Sr an independent or captive agent?

Frank Ottens Sr is a captive agent, meaning he represents Aflac exclusively. This allows for deeper product knowledge and streamlined service for clients seeking supplemental insurance.

How do I file a claim with Aflac through this agency?

You can file a claim online via Aflac’s website or mobile app. The agency provides full support during submission, helping you attach required documents and track progress. Call 203-901-3187 for assistance.

Do they offer free insurance consultations?

Yes, free consultations are available in person, over the phone, or virtually. This includes a full policy review to assess your current coverage and identify gaps or savings opportunities.

Editorial review: April 8, 2026 — Sources: chamberofcommerce.com, 111things.com, experience.com, completemarkets.com, linkedin.com. If you notice any inaccurate data, please report it.