Free guides, calculators, and educational tools to help you make informed decisions about your insurance and retirement planning.
Use our interactive calculators to estimate your insurance needs, retirement savings, and Florida tax advantages.
Calculate how much you'll save by retiring in Florida vs other states with state income tax.
Determine how much life insurance coverage you need to protect your family's financial future.
Estimate your retirement income needs and see if you're on track for a comfortable retirement.
Estimate long-term care costs in Florida and determine if you need LTC insurance coverage.
Compare Medicare plan costs and coverage options available in Florida.
Estimate your Social Security benefits and optimize your claiming strategy.
Key milestones and insurance considerations for each stage of your retirement journey.
Everything you need to know about Medicare enrollment, plan options, and Florida-specific benefits.
Covers inpatient hospital stays, skilled nursing care, hospice, and some home health care.
Covers doctor visits, outpatient care, medical supplies, and preventive services.
Private plans that combine Parts A and B, often including prescription drug coverage.
Standalone prescription drug coverage to add to Original Medicare.
7 months around your 65th birthday (3 months before, birthday month, 3 months after)
October 15 - December 7 each year for changes to Medicare Advantage and Part D plans
January 1 - March 31 for Medicare Advantage plan changes
Discover the unique advantages Florida offers for insurance and retirement planning.
Keep more of your retirement income, Social Security benefits, and pension payments.
Example: On $50,000 annual retirement income, you save $2,500-$4,000 compared to states with 5-8% state income tax.
Florida's homestead laws protect your primary residence from creditors and property tax increases.
Benefit: Your home is protected from most creditors and property tax assessments are capped at 3% annual increases.
Florida has no state estate tax, preserving more wealth for your beneficiaries.
Note: Federal estate tax may still apply to estates over $13.99 million (2025 limit).
Florida has strong consumer protection laws specifically designed to protect senior residents.
Protection: Enhanced safeguards against insurance fraud and financial exploitation.
Life insurance and annuity cash values are protected from creditors in Florida.
Security: Your insurance assets are shielded from most creditor claims and lawsuits.
Access to world-class healthcare facilities and specialists throughout Florida.
Access: Top-ranked hospitals, specialized care centers, and extensive Medicare provider networks.
Download our comprehensive guides to help you make informed insurance decisions.
Complete guide to Medicare options, enrollment periods, and Florida-specific benefits.
Learn how to determine your life insurance needs and choose the right type of coverage.
Step-by-step checklist to ensure you're prepared for a comfortable retirement in Florida.
Understand long-term care costs in Florida and explore insurance options.
Learn how to integrate insurance into your estate plan for maximum benefit.
Comprehensive guide to Florida's unique insurance advantages and protections.
Get answers to common questions about insurance and retirement planning in Florida.
Start planning 6 months before your 65th birthday. Your Initial Enrollment Period begins 3 months before you turn 65 and ends 3 months after. Missing this window can result in lifetime penalties and coverage gaps.
A general rule is 10-15 times your annual income, but this varies based on your debts, family situation, and financial goals. Consider income replacement, debt payoff, education costs, and final expenses when calculating your needs.
Florida offers no state income tax, homestead protection, no estate tax, and senior-friendly insurance laws. These benefits can significantly reduce your retirement expenses and protect your assets.
With Florida long-term care costs averaging $48,000-$110,000 annually, LTC insurance can protect your retirement savings. Consider purchasing in your 50s or early 60s when premiums are more affordable and you're more likely to qualify.
Bundle policies, maintain good health, compare quotes annually, increase deductibles when appropriate, and take advantage of Florida's insurance-friendly laws. Work with an independent agent to find the best rates.
While our resources provide valuable information, nothing replaces personalized advice from an experienced insurance professional. Schedule your free consultation today.