Independent agent Charles “Chuck” Lunsford compares plans from multiple carriers for you, at no added cost. Licensed in Florida since 1994.
A Medicare Supplement (Medigap) plan pays most of what Original Medicare leaves you owing, and you can see any doctor in the country who accepts Medicare. Benefits are standardized by plan letter, but premiums for the same plan can differ a lot from one carrier to the next. We compare them for you.
Turning 65? Your best window to buy is your 6-month Medigap Open Enrollment Period, when insurers cannot turn you down for health reasons.
Term, whole and universal life, compared across carriers to fit your family and budget. Life insurance options
Small whole life policies, usually with no medical exam, that help your family cover funeral costs and final bills. How final expense works
Replaces part of your income if an illness or injury keeps you from working. Ask about disability coverage
I’m Charles “Chuck” Lunsford, owner-agent of Southwest Florida Insurance and a Florida-licensed Life & Health agent since 1994. For more than 30 years I’ve helped families across Lee, Collier and Charlotte counties choose coverage that fits their health and their budget.
You work with me, not a call center: by phone, email, text, or in person by appointment, from the first call through every renewal.
I write coverage with United American, Globe Life and Epic Life, and through MCC Brokerage I have access to many more carriers. Carriers pay my commission, so my help adds no cost, and in most cases the premium is the same as buying direct.
We help clients compare Medicare Supplement (Medigap) plans, term, whole and universal life insurance, final expense insurance, and disability insurance from multiple carriers.
No. Independent agents are paid by the insurance carrier, not the client, so there’s no added fee for our help. In most cases, the premium is the same as what you’d pay buying directly from the carrier.
We work with clients throughout Southwest Florida, including Fort Myers, Naples, Cape Coral, Bonita Springs, and Estero.
Medicare Advantage (Part C) plans are offered by private insurers and typically bundle hospital, medical, and often drug coverage into one plan with a network, often with a $0 premium. Medicare Supplement (Medigap) plans work alongside Original Medicare to cover out-of-pocket costs like coinsurance and deductibles, usually for a monthly premium, but offer more flexibility to see any provider that accepts Medicare. Which one fits depends on your doctors, budget, and health needs, and we can walk through it together.
Most people can enroll during their Initial Enrollment Period, the 7-month window around their 65th birthday. After that, the Annual Enrollment Period (October 15 – December 7) lets you switch Medicare Advantage or Part D plans for the following year, and the Medicare Advantage Open Enrollment Period (January 1 – March 31) allows a second change if you’re already in a Medicare Advantage plan.
Call us at (239) 633-4392 or fill out our contact form to schedule a no-obligation appointment. We’ll review your current coverage and needs, and walk you through the options that make sense for you.
Tell us what you’re looking for and the best time to reach you. We usually call back within one business day.
Prefer to talk now? Call (239) 633-4392.