Life, health and Medicare coverage in Tampa
Term and whole life, final expense, individual and family health plans, Medicare, annuities, disability and small-business benefits. A Florida-licensed agent compares plans from multiple insurers and explains what each one actually covers before you apply.
- Florida-licensed (2-15) life and health agent
- Quotes from multiple carriers, not one
- No fee to you for quotes or enrollment help
- Hillsborough, Pasco and Pinellas counties
What are you looking for?
- I just lost my employer health insurance
- Medicare enrollment is closing and I haven't picked a plan
- I want life insurance to protect my family
- I need health coverage for myself or my family
- I'm looking at an annuity for retirement income
- I want to offer benefits to my employees
Time-sensitive: calling is fastestCan be scheduled
Insurance we help with in Tampa
Life and health lines only. For home, auto or flood you need a different kind of agent, and we'll say so.
- Individual and family health plansACA marketplace plans for people without employer coverage, with the subsidy math done for you.
- Medicare plansAdvantage, Supplement and Part D plans compared before an enrollment window closes.
- Term life insuranceAffordable coverage for the years a mortgage and kids depend on your income.
- Whole life insurancePermanent coverage with a fixed premium and cash value that builds over time.
- Final expense insuranceSmall whole life policies that cover a funeral and last bills, with simple health questions.
- AnnuitiesFixed and indexed annuities for retirement savings and income, explained without the sales pitch.
- Disability insuranceIncome protection for self-employed people and anyone whose paycheck has no backup.
- Group benefits for small businessHealth, dental, vision and life benefits for businesses with 2 to 50 employees.
How it works
- Call or send a request. Tell us who needs coverage, what kind, and when it needs to start.
- Go over your situation. A short call about health history, budget, doctors you want to keep and anything you already have in place.
- Compare the options. You get two or three plans from different insurers side by side, with the premium and what each covers in writing.
- Apply and enroll. The agent submits the application, tracks it through underwriting or the marketplace, and stays your point of contact after the policy is issued.
Why coverage looks different in Tampa Bay
A retiree-heavy population, a large share of self-employed and hourly workers, and a state that runs health coverage differently from most.
More Medicare choices than almost anywhere
Hillsborough and Pinellas have dozens of Medicare Advantage plans with different hospital networks. Whether your plan includes Tampa General, BayCare, AdventHealth or HCA matters more than the premium.
Medicare plansA state that leans on the marketplace
Florida enrolls more people through the ACA marketplace than any other state, partly because it did not expand Medicaid. That makes household income estimates and subsidy math unusually important here.
Individual and family health plansSelf-employed and 1099 workers
Real estate agents, contractors, salon owners and gig drivers make up a large share of Tampa's workforce, and none of them get benefits from an employer. Individual health, disability and term life fill that gap.
Disability insuranceRetirees with savings to protect
People who moved here for retirement often hold cash they do not want exposed to the market. A fixed annuity is one of the tools for that, and it's worth understanding the trade-offs before signing.
AnnuitiesWhere we work
Tampa and the communities around it in Hillsborough, Pasco and Pinellas counties.
Hillsborough County
Pasco County
Pinellas County
Common questions
Does it cost anything to get quotes?
No. Agents are paid by the insurer when a policy is issued, and the premium is the same whether you buy through an agent or directly from the company. Quotes and enrollment help are free to you.
Which insurance companies do you work with?
The agent is appointed with multiple life and health carriers and compares them for your situation rather than selling one company's plans. Coverage, rates and approval decisions come from the insurer, not the agent.
Do you handle home or auto insurance?
No. Home, auto, flood and business property insurance require a different Florida license (2-20). This site covers life, health, Medicare, annuities, disability and group benefits only.
What areas do you serve?
Tampa and the surrounding communities in Hillsborough, Pasco and Pinellas counties, by phone, video or in person. See the full service area list.
Can I keep the doctors I have?
Often, but it depends on the plan's network, and networks differ between insurers even for the same doctor. Bring the names of the doctors and hospitals you use and they'll be checked against each plan before you enroll.
Talk to a licensed agent
If a deadline is close, call. For a quote, a policy review or a question, the form works just as well.
Calls answered weekdays; appointments by phone, video or in person