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SUMMARY OF BUSINESS AND SIGNIFICANT ACCOUNTING POLICIES (Tables)

9 Months Ended

Sep. 30, 2025

Accounting Policies [Abstract]

SCHEDULE OF RESTRICTED CASH IN STATEMENT OF CASH FLOW

Cash and restricted cash (restricted for debt service coverage) reported on our condensed consolidated balance sheets are reconciled to the total shown on our unaudited condensed consolidated statements of cash flows as follows:

SCHEDULE OF RESTRICTED CASH IN STATEMENT OF CASH FLOW 

		September 30, 2025				September 30, 2024
Cash		$	2,581,219			$	925,270
Restricted cash			922,198				1,428,422
Total cash and restricted cash		$	3,503,417			$	2,353,692

SCHEDULE OF DISAGGREGATION REVENUE

The following table disaggregates the Company’s revenue by line of business, showing commissions earned:

 SCHEDULE OF DISAGGREGATION REVENUE 

Period Ended September 30, 2024		Medical				Life				Property and Casualty				Total
Three months ended September 30, 2025		$	1,774,019			$	30,590			$	691,366			$	2,495,975
Three months ended September 30, 2024		$	2,422,523			$	46,808			$	972,127			$	3,441,458
Nine months ended September 30, 2025		$	7,248,223			$	95,320			$	2,475,329			$	9,818,872
Nine months ended September 30, 2024		$	8,095,631			$	141,811			$	2,519,145			$	10,757,238
Revenue		$	8,095,631			$	141,811			$	2,519,145			$	10,757,238

SCHEDULE OF CONCENTRATIONS OF REVENUES

The following are customers representing 10% or more of total revenue:

SCHEDULE OF CONCENTRATIONS OF REVENUES 

		Three Months Ended September 30,
Insurance Carrier		2025				2024
Priority Health			29	%			29	%
BlueCross BlueShield			25	%			17	%

		Nine Months Ended September 30,
Insurance Carrier		2025				2024
Priority Health			31	%			33	%
BlueCross BlueShield			17	%			13	%

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Tabular disclosure of disaggregation of revenue into categories depicting how nature, amount, timing, and uncertainty of revenue and cash flows are affected by economic factor.

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Tabular disclosure of cash and cash equivalents restricted as to withdrawal or usage.

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Tabular disclosure of the nature of a concentration, a benchmark to which it is compared, and the percentage that the risk is to the benchmark.

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