A native Floridian, Frank Bell was born on Merritt Island and raised in Lake Worth. He attended Palm Beach Junior College and later transferred to University of Florida. Before his graduation, he enlisted in the U.S. Army Air Force. He was sent to Italy, where he flew 35 sorties over Europe. For his service during WWII, he was awarded the Distinguished Flying Cross, four Air Medals, the European Battle Theater Ribbon with seven Battle Stars, and was discharged with the rank of captain.

Pan American World Airways hired Frank in July of 1945, and in 1946 he and Catherine were married. Initially stationed in New York, he transferred to Miami in 1953, where he was based until his retirement in 1982. While flying for Pan Am, he also studied and, in 1966, received a Bachelor of Business Administration from University of Miami.

Frank and Cathy moved from Coral Gables to Palm City in 1988, and several years later they moved into Sandhill Cove, where they resided for almost twenty years. Frank served on several committees there and was proud to have organized the Sunday NFL Huddle.

Frank and Cathy enjoyed 72 years of marriage. They have two children, Fran Farinos (Jose), and Chris (Mary Jean); four grandchildren, Rachel Nuhn (Dirk), Quinton (Tiffany), Amanda Zeigler (Rob), and Jose, Jr. (Emily); and four great grandchildren, Teagan, Ethan, Madilyn, and Abigail.