Why should I work with you instead of shopping online?

You can go online and enroll in the same plans — that's always an option. What an independent agent offers is someone in your corner before, during, and after enrollment. When questions come up, you call me directly — not a 1-800 number. In addition, official resources are always worth consulting as well: MyFloridaCFO.com — Verify agent licenses and explore Florida insurance product information OCI.georgia.gov — Georgia-specific insurance product information and consumer resources Medicare.gov — The official source for Medicare coverage, enrollment, and plan comparison Healthcare.gov — Shop ACA Marketplace plans and find coverage information

Health & Life Insurance in FL & GA

Navigate Your Options With Confidence

Health

Medicare plans, ACA Marketplace coverage, and personalized guidance to help you choose.

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Life

Protect your family with flexible life Term Life to Whole Life — find coverage that fits where you are in life.

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Temporary

Short-Term Medical and Global Medical coverage for gaps and travel.

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Supplemental

Hospital Indemnity, Accident, and Critical Illness coverage to offset out-of-pocket costs.

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Prioritize

Let’s figure out what actually matters. No sales pitch — just honest questions about your situation.

Education

Insurance plans are confusing. I’ll translate the jargon so you actually understand what you’re buying.

Review

You’ll know exactly what you’re getting, what it costs, and why it fits your life. Then you decide.

Frequently Asked Questions

You can go online and enroll in the same plans — that’s always an option. What an independent agent offers is someone in your corner before, during, and after enrollment. When questions come up, you call me directly — not a 1-800 number.

In addition, official resources are always worth consulting as well:

MyFloridaCFO.com — Verify agent licenses and explore Florida insurance product information
OCI.georgia.gov — Georgia-specific insurance product information and consumer resources
Medicare.gov — The official source for Medicare coverage, enrollment, and plan comparison
Healthcare.gov — Shop ACA Marketplace plans and find coverage information

I’m licensed in Florida and Georgia to help clients with Medicare plans, life insurance, supplemental health coverage, and ACA Marketplace plans. If you’re wondering whether your current coverage is still working — or whether you have the right coverage at all — that’s exactly the kind of conversation I’m here for.

Never. My services are free to you. I’m compensated by the insurance companies when you enroll in a plan. You pay the same premium whether you work with an agent or go it alone. The only difference is you have someone in your corner as an additional resource.

Yes! Keep my number. I pride myself on being available long after the paperwork is done — whether that’s a plan benefit question six months later, a life change that affects your coverage, or making sure your plan still fits at your next annual review. Enrollment is the beginning, not the end.

Cool Hand Luke. My grandfather gave me that nickname when I was young — inspired by Paul Newman’s portrayal of a man who simply refused to conform. It stuck. So did the philosophy. After 20+ years of self-employment, I work hard to maintain that independent philosophy.

Get Your Questions Answered

Generally same-day responses — or by the next business day.

Tap to Call

(352) 448-7012

Tap to Text

(352) 448-7012

Real Stories. Real Peace of Mind.

Read our reviews on Google

“Justin Tomlin, thank you very much for taking great care of me on my Medicare needs. Great customer service, Awesome personality, and your knowledge explaining to me all my options to make the right choice. Thank you very much.”

Stephen H., (FL)

“would love to leave two (2) more stars for Mr. Tomlin. He goes out of his way to make sure that all your insurance coverage is up to date and serviced extremely well! Always available or returns my calls immediately !!!”

Paul B., (FL)