There’s Two Types of Term Life Insurance. Which One Might Be Best Suited For Your Needs?
Term Life Insurance is a type of life insurance that provides coverage for a specified period of time, such as 10, 20, or 30 years.
Southwest Florida Insurance is an independent insurance agency based in Fort Myers, helping individuals and families throughout Fort Myers, Naples, Cape Coral, Bonita Springs, and Estero for more than 20 years. We’re not tied to any single insurance company. Instead, we work with a range of leading carriers to compare Medicare Supplement, Medicare Advantage, and Part D prescription drug plans, along with life insurance, health insurance, hospital indemnity insurance, and disability insurance, so you can make an informed decision rather than settling for the first plan you’re offered.
Why Work With An Independent Agent?
Because we aren’t captive to one insurance company, we’re able to compare plans across multiple carriers and recommend the one that actually fits your health needs, budget, and the doctors you already see, not just the products a single company happens to sell. Our services are paid by the carriers we work with, so there’s no added cost to you for working with us, and in most cases the premium is identical to what you’d pay going directly to the insurance company.
How We Work With You
We start by understanding your current coverage, health needs, and budget. From there, we walk you through the options available in your ZIP code, explain the trade-offs in plain language, and help you enroll in the plan that fits. We’re also available every year during the Annual Enrollment Period to review your coverage and make sure it still makes sense, since plan costs and benefits can change from year to year even if the plan name stays the same.
What We Help With
Have feedback about your experience with us, good or bad? We’d like to hear it. Contact us any time, or call (239) 340-2297 to schedule a no-obligation appointment to discuss your insurance needs.
Quick Answer: Southwest Florida Insurance is a local, independent insurance agency, not tied to any single carrier. We compare Medicare, health, and life insurance plans from multiple top-rated companies so you can choose coverage that actually fits your needs and budget, at no added cost to you.
No. Southwest Florida Insurance is a private, independent insurance agency. We are not affiliated with or endorsed by Medicare or any government agency, though we help clients navigate and enroll in Medicare-related plans.
We’ve served individuals and families throughout Fort Myers, Naples, Cape Coral, Bonita Springs, and Estero for more than 20 years.
No. As an independent agency, we work with a range of leading carriers so we can compare options and recommend what fits your needs, rather than being limited to one company’s products.
No. Our services are paid by the insurance carriers, not by you, so there’s no added cost for working with an independent agent.
Our founder, Chuck, has been a licensed Life & Health insurance agent in Florida since 1994, over 30 years of experience. He holds Florida Insurance License #A160316 and National Producer Number (NPN) 553216, and every client works directly with him rather than a call center or rotating staff.
We help Southwest Florida residents compare and enroll in Medicare Advantage, Medicare Supplement (Medigap), Medicare Part D, life insurance (including final expense, whole, and universal life), individual and family health insurance, and hospital indemnity plans, all from an independent, multi-carrier perspective.
Licensed & Credentialed: Florida Life & Health Insurance License #A160316 · NPN #553216 · Licensed since 1994 · 30+ years serving Southwest Florida
Our Story
For more than three decades, we’ve served Southwest Florida residents with straightforward, independent insurance advice. Licensed since 1994 (Florida License #A160316, NPN #553216), our agency has built a reputation for honest guidance, personal attention, and long-term client relationships. We’ve watched the Medicare and insurance landscape change over the years and adapted right alongside it, always with the same goal: keeping our clients protected and confident in their coverage.
Meet the Founder
I’m Chuck, a licensed Life & Health insurance professional based in Southwest Florida. For over 30 years, I’ve helped individuals and families in Fort Myers, Naples, Cape Coral, Bonita Springs, and Estero find Medicare and life insurance coverage that fits their health needs and budget. Unlike a call center, I work directly with you, one-on-one, whether by phone, email, or text. My role is to listen, explain, and guide, not to sell.
Serving Southwest Florida
We proudly serve clients across Southwest Florida, including Fort Myers, Naples, Cape Coral, Bonita Springs, and Estero. Our reach is regional, but our approach is personal — every client works directly with the same licensed agent from their first call through every renewal season.
Client Testimonials
“Working with Chuck was the best decision I made when I turned 65. He explained my options clearly and helped me choose a plan I feel good about.” — J.S., Naples, FL
“Finally, someone who doesn’t make Medicare confusing! I trust this agency completely.” — R.M.
Our Commitment to Compliance
We take compliance seriously. Licensed in Florida since 1994 (License #A160316, NPN #553216), we follow all CMS and state guidelines. We respect your privacy and never share your information without consent. Marketing is conducted only by phone, email, or text with your permission.
Why Choose Us
Our Values
Term Life Insurance is a type of life insurance that provides coverage for a specified period of time, such as 10, 20, or 30 years.
Conceived to be an alternative to Original Medicare, Medicare Advantage Plans are wide-spread and available through a multitude of insurance companies. When you enroll in
When considering a Medicare Plan people naturally have the tendency to focus on the now and give the future little to no consideration. Sure you