Insurance Plans for Every Stage of Life
As a Florida-licensed independent agent, I compare plans from multiple top-rated carriers — so you get the right coverage at the right price, with no pressure and no cost to you.
Turning 65 or already on Medicare? Let's find your best option.
Medicare Plans
Navigating Medicare can feel overwhelming — but it doesn't have to be. I help Florida residents understand and compare all Medicare options so you can make a confident, informed decision.
- Compare plans from multiple carriers side by side
- Understand your out-of-pocket costs before you enroll
- Annual review to make sure your plan still fits your needs
- Help during Open Enrollment and Special Enrollment Periods
Plan Types Available
Medicare Advantage (Part C)
All-in-one plans that bundle Parts A, B, and often D. Many include dental, vision, and hearing benefits.
Medicare Supplement (Medigap)
Covers the gaps Original Medicare leaves behind — like copays, coinsurance, and deductibles.
Medicare Part D (Prescription Drug)
Standalone drug coverage to help manage the cost of your prescriptions.
Individual and family health coverage tailored to your life.
Health Insurance
Whether you're self-employed, between jobs, or simply looking for better coverage, I'll help you find a health plan that fits your budget and your health needs.
- Shop plans from Florida's top health insurance carriers
- Determine if you qualify for premium tax credits
- Year-round guidance — not just during open enrollment
- No extra cost to you — my consultation is free, you pay only your plan premium
Plan Types Available
ACA Marketplace Plans
Subsidized individual and family plans available through the Health Insurance Marketplace.
Short-Term Health Plans
Flexible, lower-cost coverage for gaps between jobs or major life transitions.
Group Health Plans
Small business health coverage options for employers and their teams.
Protect the people who depend on you most.
Life Insurance
Life insurance is one of the most important financial decisions you'll make. I'll help you understand your options and find a policy that protects your family without breaking your budget.
- Compare term and permanent policies from multiple carriers
- Get coverage that fits your budget and timeline
- Protect your mortgage, income, and family's future
- Simple, straightforward guidance with no pressure
Plan Types Available
Term Life Insurance
Affordable coverage for a set period — ideal for income replacement and mortgage protection.
Whole Life Insurance
Permanent coverage with a cash value component that grows over time.
Universal Life Insurance
Flexible permanent coverage with adjustable premiums and death benefits.
Fill the gaps your primary plan leaves behind.
Supplemental Coverage
Even great health insurance doesn't cover everything. Supplemental plans help protect you from unexpected out-of-pocket costs that can add up fast.
- Affordable plans that layer on top of existing coverage
- Cash benefits paid directly to you — use them however you need
- Protect your savings from unexpected medical events
- Available as standalone or bundled with other coverage
Plan Types Available
Dental & Vision
Standalone dental and vision plans to cover routine care and unexpected needs.
Hospital Indemnity
Cash benefits paid directly to you during a hospital stay to cover expenses insurance doesn't.
Critical Illness
Lump-sum benefit paid upon diagnosis of a covered illness like cancer, heart attack, or stroke.
Not Sure Which Plan Is Right for You?
That's exactly what I'm here for. Let's talk through your situation — no obligation, no pressure, just honest guidance from a Florida-licensed agent who works for you.
Mandatory Disclosures
Third-Party Marketing Organization (TPMO) Disclaimer
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Agent Disclosure
Paul Lieders is a licensed independent insurance agent serving Florida residents only. Not affiliated with or endorsed by any government agency. NPN#22281028
Scope of Appointment Notice
For Medicare Advantage and Part D plan inquiries, a Scope of Appointment (SOA) form may be required prior to our meeting. Contacting this office does not obligate you to enroll in any plan.