Insurance Clarity & Local Service in Gainesville, FL
Hi, I'm Justin Tomlin.
Insurance is more than just a policy—it’s a series of decisions that impact your future. I started CHL Insurance Solutions because I believe those decisions should be made with clarity, not confusion.
As a Licensed Independent Agent, my primary goal isn’t to "sell" a plan—it’s to ensure you understand the landscape. I take an education-first approach, breaking down the fine print so you can move forward with confidence. Because I represent a wide range of top-rated carriers, I have the flexibility to help you find the specific coverage that fits your life, your budget, and your priorities.
I provide straightforward, educational guidance for:
Health Insurance: Including Medicare, ACA/Marketplace, and temporary coverage.
Supplemental Coverage: Including Gap and ancillary protection.
Life Insurance: Protecting your family's financial legacy.
(Licensed in FL & GA)
I'm here to explain your options clearly, answer your questions without pressure, and support you through the enrollment process.
Education First, Coverage Second
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Independent & Unbiased
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No Pressure Consultations
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Licensed in Florida & Georgia
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Simplifying the Fine Print
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Education First, Coverage Second · Independent & Unbiased · No Pressure Consultations · Licensed in Florida & Georgia · Simplifying the Fine Print ·
Coverage Solutions
Health Insurance
Health needs are unique to every individual—whether you are located in Florida or Georgia. As an independent licensed agent, I represent a wide range of insurance carriers, which allows me to offer you an extensive selection of plans without being restricted to a single provider.
I help individuals and families navigate the complexities of:
Medicare: Understanding your parts, paths, and supplemental options.
ACA Marketplace: Finding quality individual and family coverage.
Specialized Health: Including supplemental (gap) plans and temporary medical insurance.
My role is to listen to your priorities, explain the features of various available products, and help you identify the coverage that fits your specific situation.
Life Insurance
Life insurance serves a fundamental purpose: protecting the people who depend on your income. Whether you are seeking affordable coverage for your peak working years or permanent protection with a legacy component, I provide access to a wide range of products across Florida and Georgia.
I offer education-first guidance on the primary types of protection:
Term Life: Straightforward, affordable protection for a specific period. Ideal for replacing income during mortgage or child-rearing years.
Whole Life: Permanent protection with a guaranteed death benefit and a cash value component that grows at a fixed rate.
Universal Life: Flexible permanent insurance that allows you to adjust premiums and death benefits as your financial situation evolves.
Indexed Universal Life (IUL): A permanent policy where cash value growth is tied to a market index, offering upside potential with protection against market loss.
My role is to listen to your family’s unique situation, explain how these different structures work, and help you identify the coverage that provides the necessary protection within your budget.
What to Expect?
Step 1:
Introduction & Needs Discovery
We begin with a brief conversation to identify your specific health or life insurance priorities. I’ll explain exactly how I can assist you in navigating the market across Florida and Georgia and create a clear roadmap for our next steps.
Step 2:
Compliance & Education
Before reviewing plans, we handle required steps like the Medicare Scope of Appointment (SOA). I then provide a plain-English "crash course" on the products you’re interested in, ensuring you understand how they work before we look at any specific carriers.
Step 3:
Plan Review & Enrollment
We’ll review a curated selection of plans that meet your criteria with a zero-pressure, no-obligation approach. My goal is to ensure you fully understand your new coverage before enrollment. Once active, I remain your dedicated agent and direct point of contact for life.
