Discover Florida's unique insurance advantages. From Medicare optimization to retirement planning, we help you secure your financial future in the Sunshine State.

No State Income Tax
Senior-Friendly Laws
Medicare Experts
25+ Years Experience

Why Florida Residents Choose Us

Florida offers unique advantages for insurance and retirement planning. We help you maximize these benefits for your financial security.

No State Income Tax

Keep more of your retirement income with Florida's tax-friendly policies.

Senior Protection Laws

Florida's strong consumer protection laws safeguard senior residents.

Medicare Expertise

Specialized knowledge of Medicare options and Florida-specific plans.

Local Expertise

25+ years serving Florida residents from our Seaside office on 30A.

Comprehensive Insurance Solutions

From Medicare planning to estate protection, we offer the insurance solutions Florida residents need for a secure retirement.

Medicare Planning

Navigate Medicare options with expert guidance. Compare Advantage vs Supplement plans and optimize your coverage for Florida's healthcare landscape.

Learn More →

Life Insurance

Protect your family's future with tailored life insurance solutions. From term to whole life, we help you make the right choice for your situation.

Learn More →

Long-Term Care

Plan for future care needs with comprehensive long-term care insurance. Protect your assets and ensure quality care when you need it most.

Learn More →

Retirement Planning

Maximize your Florida retirement benefits. Coordinate FRS, Social Security, and private investments for a secure financial future.

Learn More →

Disability Insurance

Protect your income with comprehensive disability coverage. Ensure financial stability if you're unable to work due to illness or injury.

Learn More →

Estate Planning

Integrate insurance into your estate plan. Protect assets, minimize taxes, and ensure your legacy passes to your beneficiaries as intended.

Learn More →

Calculate Your Florida Advantage

See how Florida's tax benefits can impact your retirement savings and insurance costs.

Florida Retirement Advantage Calculator

Enter your information to see how much you could save by retiring in Florida

What Our Clients Say

Trusted by Florida residents for over 25 years

  • MJ

    Margaret Johnson

    Pensacola, FL

    "Lucas Insurance helped me navigate the confusing world of Medicare. Their expertise saved me thousands and gave me peace of mind in my retirement."

  • RC

    Robert Chen

    Destin, FL

    "The team at Lucas Insurance made estate planning simple. They helped me set up life insurance that protects my family and minimizes taxes. Highly recommended!"

  • DS

    Dorothy Smith

    Panama City, FL

    "Moving to Florida was the best decision we made for retirement. Lucas Insurance helped us understand all the benefits and get the right coverage for our needs."

Ready to Secure Your Florida Retirement?

Join thousands of Florida residents who trust Lucas Insurance Services for their retirement and insurance planning needs. Get started with a free, no-obligation consultation.

Call (850) 555-0123