Why Choose R.I.S.
- We are real people: We take the time to understand your situation and advocate for your best interest.
- We work for you, not the carriers: As an independent agency, we have no obligation to push any specific company - only to find what's genuinely right for you.
- Our advice is always free: There is no charge for consultations or plan comparisons. We're compensated by the carriers, never by you.
- We explain everything in plain language: Insurance can be confusing. We break it down clearly so you can make confident, informed decisions without the jargon.
- Ongoing support after enrollment: Our relationship doesn't end when you sign up. We are here for annual reviews, billing questions, provider look-up and claims help.
Not sure where to begin? Our team walks through all your options at absolutely no cost. We make it easy to understand exactly what you need.
Our Mission
Our Expertise
Our Expertise
As we provide insurance solutions, serving clients in Florida and across multiple states, we strive to deliver the best coverage tailored to meet your needs. Our experienced team is here to provide comprehensive coverage that helps you protect your assets, your family and your business.
Our Expertise
Our Expertise
Our Expertise
With many years of experience in the insurance industry, our team of experts has the knowledge and skills to guide you through the insurance process. We help our clients find the right coverage at the right price.
Insurance Solutions Tailored to You
Medicare
Health Marketplace/ACA
Health Marketplace/ACA
Medicare.gov basics (Advantage & Supplement)
- Medicare Advantage: All in one Medicare Plans that often include prescription drug, dental, vision and hearing coverage - frequently at a low or no extra premium. Network restrictions apply.
- Medicare Supplement/Medigap: Fill the gaps in Original Medicare. The "Certainty" plan. Predictable out-of
Medicare.gov basics (Advantage & Supplement)
- Medicare Advantage: All in one Medicare Plans that often include prescription drug, dental, vision and hearing coverage - frequently at a low or no extra premium. Network restrictions apply.
- Medicare Supplement/Medigap: Fill the gaps in Original Medicare. The "Certainty" plan. Predictable out-of-pocket cost with the freedom to see any Medicare-accepting doctor in the county.
Health Marketplace/ACA
Health Marketplace/ACA
Health Marketplace/ACA
- ACA-Compliant health plans: For individuals and families. We help you navigate enrollment periods and find plans that match your healthcare needs, while utilizing any subsidies available tailored to your income and budget.
- Indemnity health insurance, or "fee-for-service" plans: Provides fixed cash payments directly to
- ACA-Compliant health plans: For individuals and families. We help you navigate enrollment periods and find plans that match your healthcare needs, while utilizing any subsidies available tailored to your income and budget.
- Indemnity health insurance, or "fee-for-service" plans: Provides fixed cash payments directly to you for specific medical services (like hospital stays, surgeries, or doctor visits), regardless of the actual cost or other insurance coverage.
Term & Whole Life
Health Marketplace/ACA
Prescription Drug Coverage (Part D)
- Term & Whole Life: Protect your loved ones financially. We help you choose between term coverage for specific needs or whole life for lifelong protection and cash value.
- Indexed Universal Life (IUL): Flexible life insurance with a cash value component linked to market indexes-combining lifelong protection with tax-advantaged growth potential.
Prescription Drug Coverage (Part D)
Prescription Drug Coverage (Part D)
Prescription Drug Coverage (Part D)
- Stand-alone Medicare drug Plan: To lower medication costs. We compare plans across carriers to find the best fit for your specific prescriptions.
Dental, Vision & Hearing (DVH)
Prescription Drug Coverage (Part D)
Dental, Vision & Hearing (DVH)
- Stand-alone DVH plans: To complement your Medicare or Health coverage. Quality care for your eyes, ears and smile shouldn't be out of reach for the whole family.