Our team has personally written more than 5,000 life and health insurance policies across Central Florida since 2011 — from $250,000 term policies for young Orlando families to Medicare Advantage and Medigap plans for retirees in The Villages corridor and Brevard County.
Whether you need $500,000 of term coverage for a growing family in Hunter's Creek, a $0-premium ACA Marketplace plan for a self-employed gig worker near Lake Eola, or a Medigap Plan G that travels with you in Winter Park, our licensed Orlando insurance agents build a tailored protection plan around your budget. Because we are an independent agency with 25+ carrier appointments rather than a captive sales force, we compare plans side by side and explain the fine print in plain English — no jargon, no pressure, and no cost to you for the consultation. See our full services page for product details.
Estimates from $18–$25/month for a healthy 35-year-old
Level-term coverage that protects your mortgage, income, and children's education for a set number of years. We shop 25+ carriers for the lowest rate class, and many Orlando applicants qualify for no-medical-exam or simplified-issue approval, often in 24–72 hours.
Get Free QuotePermanent cash-value coverage built to last a lifetime
Whole life and IUL policies never expire, build tax-deferred cash value, and can fund college, a down payment, or a small-business opportunity. We model guaranteed versus projected values side by side so you see exactly what you are buying before you sign.
Get Free QuoteTypically $35–$90/month depending on age and health
Simplified-issue burial policies from $5,000 to $40,000 for adults 50–85, with no medical exam and coverage that never decreases. We qualify clients with diabetes, COPD, and prior heart conditions using carriers that still say yes — an option many Orlando families never hear about.
Get Free QuoteMany Central Florida households pay $0–$50/month after credits
As a HealthCare.gov (FFM) certified agency, we calculate your premium tax credit and cost-sharing reductions before you apply, then compare silver, bronze, and gold plans for doctors and hospitals you actually use in Orlando — AdventHealth, Orlando Health, and HCA facilities included.
Get Free QuoteMany Advantage plans carry a $0 monthly premium
All of our Medicare-writing agents are AHIP certified and complete annual Fraud, Waste & Abuse training. We compare Advantage HMO/PPO plans, Medigap Plan G and Plan N, and standalone Part D drug plans so your prescriptions are actually covered during the Oct 15 – Dec 7 Annual Enrollment Period.
Get Free QuoteFree benefits benchmark report for 2–50 employees
Group health, dental, vision, short-term disability, and hospital indemnity plans for Orlando employers. We also write key-person and buy-sell life insurance for business owners, plus individual disability income, accident, critical illness, and travel medical policies for snowbirds and international students.
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We are not a captive agency tied to a single brand, and we are not a 1-800 website that sells your phone number to five different call centers. Cypress Ridge Life & Health Insurance is a local, independent Orlando insurance agency founded in 2011, still led by owner Marcus D. Whitfield, who writes policies personally every week. That independence is exactly why 5,000+ Central Florida households have trusted us with their family's protection.
Serving the Orlando community for over a decade from our office at 1214 E. Robinson Street, Suite 210. We know which carriers work smoothly with AdventHealth and Orlando Health networks, which ones handle Florida hurricane-season claims fairly, and which Medicare Advantage plans actually include the specialists you see in Dr. Phillips or Oviedo.
Every call and email is answered within one business day, and most Orlando clients hear back within 2–4 hours during office hours — we track it internally. Same-week appointments are usually available, with evening and in-home visits Monday through Thursday until 8:00 PM. After-hours callers get a callback, not a voicemail void.
Consultations, quotes, needs analyses, applications, and annual reviews are completely free. There are no broker fees, no monthly service charges, and no mark-up on premiums; carriers pay us directly. You pay the exact same premium whether you enroll through us or on your own — you simply get a licensed expert in the middle.
Our zero-pressure guarantee means no obligation to buy during any consultation. Our 30-day policy review guarantee means if a new policy is not the right fit, we re-shop it at no cost. And every policy honors the Florida free-look period — typically 10 to 30 days — with a full refund of premium if you change your mind.
Members of NAIFA and the Florida Association of Insurance Agents · AHIP Medicare certified annually · HealthCare.gov (FFM) certified every plan year · Background-checked, bonded, and E&O insured · Bilingual in English, Spanish, and Portuguese.
📞 Talk to a Licensed Agent: +1-540-352-6249No confusing forms, no pressure, and no decision required on the first call. Here is exactly what happens when you contact our Orlando insurance agency — most clients go from first conversation to active coverage in under two weeks.
Call +1-540-352-6249, email hello@cypressridgelifehealth.com, or submit the quote form on this page. A licensed Orlando agent — not a call-center script reader — responds within one business day, usually the same afternoon. We book a 20-minute phone or Zoom consultation, or an in-home visit anywhere in Orange, Seminole, or Osceola County.
We ask about your income, mortgage balance, dependents, employer benefits, prescriptions, and the doctors you want to keep. If you already own life or health insurance from another agency, we run a free 15-minute policy review and show you exactly where you may be overpaying or carrying a coverage gap. Zero pressure guarantee applies.
We come back with two or three tailored options side by side: premiums, deductibles, waiting periods, riders, and network details spelled out in plain English. Term life candidates can often be approved in 24–72 hours with no medical exam; ACA Marketplace and Medicare enrollments are usually completed in a single sitting.
We submit your application, follow the underwriting to the finish line, and deliver your policy documents electronically or by mail. Then the relationship continues: free annual coverage reviews every year, personal help filing any claim, and a $25 referral gift card for each friend or family member who becomes a policyholder. Learn more about our team.
Our insurance agents cover Orange, Seminole, Osceola, Lake, Polk, and Brevard counties — with in-home and evening appointments across Central Florida and secure virtual appointments available statewide in Florida by Zoom or phone.
We also regularly serve clients in ZIP codes 32801, 32803, 32806, 32819, 32828, 32836, 32789, 32771, 32765, 34741, 34747, and 34786. Don't see your area? We serve the entire region — call us at +1-540-352-6249 and we will come to you.
📞 Call +1-540-352-6249 for a same-day estimate
Estimates only and not a quote or offer of insurance. Final rates depend on age, health history, tobacco use, family history, carrier underwriting, and policy type. Cypress Ridge Life & Health Insurance charges no fees for quotes or consultations.
Most Orlando families we meet are paying for coverage someone sold them years ago — sometimes with a carrier that no longer has the most competitive rate class. Because our agency holds appointments with 25+ life and health carriers, we can re-shop the exact same coverage and often find meaningful savings without changing your protection.
Ready to see your real numbers? Schedule a free consultation or call +1-540-352-6249. Spanish-speaking clients can reach our alternate line at +1-407-555-0187.
Rated 4.9 out of 5 stars across 412 verified client reviews. Here is what Central Florida families and business owners say after working with our life and health insurance agents.
"I called on a Tuesday morning and had my term life policy approved by Thursday — no medical exam. Marcus found me $500,000 of 20-year coverage for $41 a month after two other agencies quoted me over $70. He also reviewed the health plan my husband's employer offered and found us a better Marketplace option for our daughter."Melissa R.
"I turned 65 in January and was completely lost on Medicare. The team explained Advantage versus Medigap in plain English, checked every one of my nine prescriptions against Part D formularies, and moved me to a plan that cut my monthly costs by $138. They responded to my email in 30 minutes on a Saturday."Robert & Ann Delgado
"As a self-employed photographer, health insurance always felt impossible. Cypress Ridge calculated my subsidy, enrolled me in a silver plan for $22 a month, and handled a billing problem with the carrier when I got a surprise invoice. Having a real local agent instead of a website is worth everything."Daniel Ortiz
"We have 14 employees and our group health renewal went up 19%. Cypress Ridge gave us a free benchmark report with three alternatives, restructured our plan, and kept our deductible the same while saving the company just over $11,000 for the year. They also wrote key-person coverage for my business partner."Sandra Whitmore
Updated for 2026 plan year rates, IRS subsidy thresholds, and the October 15 – December 7 Medicare Annual Enrollment Period. Still have a question? Call +1-540-352-6249 — a licensed agent answers, not a bot.
Nothing. Cypress Ridge Life & Health Insurance charges no consultation, quote, application, or annual review fees. Our licensed agents are compensated directly by the insurance carriers, and premiums are never marked up — you pay the same rate you would pay the carrier directly, just with an expert handling the paperwork.
Simplified-issue and no-medical-exam policies can be approved in as little as 24 to 72 hours, and some applicants qualify for same-day conditional approval. Fully underwritten term and indexed universal life policies typically take 2 to 4 weeks depending on medical records, lab scheduling, and carrier volume.
A healthy 35-year-old Orlando resident commonly pays about $18 to $25 per month for a 20-year, $250,000 term policy. Final expense and burial policies generally range from $35 to $90 per month depending on age and health. Every figure is an estimate — request a free quote for exact pricing based on your health history.
Yes. Every Medicare-writing agent on our team is AHIP certified and completes annual Fraud, Waste and Abuse training. We compare Medicare Advantage HMO and PPO plans, Medicare Supplement Plan G and Plan N, and standalone Part D drug plans across multiple carriers — at no cost to you — including during the Annual Enrollment Period.
Many Central Florida households qualify for premium tax credits and cost-sharing reductions that bring silver and bronze Marketplace plans to $0 to $50 per month. We are HealthCare.gov (FFM) certified and calculate your subsidy before you apply, so there are no surprises when your first bill arrives.
All calls and emails are answered within one business day, and most Orlando clients hear back within 2 to 4 hours during office hours — we track it internally. Same-week appointments are usually available, including evening and in-home visits Monday through Thursday until 8:00 PM.
No. There are no broker fees, no monthly service charges, and no mark-up on premiums. Carriers compensate us directly for the work we do. If we cannot find a plan that genuinely improves your situation, we will tell you honestly and help you keep your current coverage in place.
We offer a free 15-minute policy review with no obligation. We compare your current coverage against 25+ carrier options and show you exactly where you may be overpaying or underinsured. There is no pressure to switch, and no decision has to be made on the first call. See what we compare here.
Yes. Cypress Ridge Life & Health Insurance operates under Florida Department of Financial Services Life & Health Agent License #W284917 and carries errors and omissions (E&O) insurance. Our nine agents are background-checked, bonded, and licensed in Florida only.
We help Orlando-area employers with 2 to 50 employees build group health, dental, vision, and disability benefit packages. Business owners receive a complimentary benefits benchmark report comparing their current group plan against three alternative carrier options — useful information before any renewal negotiation.
Yes. We offer evening and in-home appointments Monday through Thursday until 8:00 PM across Orange, Seminole, Osceola, Lake, Polk, and Brevard counties, plus secure virtual appointments by Zoom or phone anywhere in Florida. Saturday appointments at our Robinson Street office are available from 9:00 AM to 2:00 PM.
Your assigned agent personally helps you file the claim — you are never handed off to a 1-800 call center. We coordinate paperwork with the carrier, follow up on status, and stay involved until the claim is paid. That claims support guarantee is one of the biggest reasons clients stay with us for years.
Complete the short form and a licensed Cypress Ridge agent will contact you within one business day with personalized options from 25+ carriers. No fees, no obligation, and no decision required on the first call.
📞 Phone: +1-540-352-6249 · Available 24/7 for messages
📞 Línea en Español: +1-407-555-0187
✉️ Email: hello@cypressridgelifehealth.com
📍 Address: 1214 E. Robinson Street, Suite 210, Orlando, FL 32801 — walk-ins welcome, appointments preferred
🕘 Hours: Mon–Fri 8:30 AM – 6:30 PM · Sat 9:00 AM – 2:00 PM (by appointment) · Sun closed
⏰ Evening & in-home appointments: Mon–Thu until 8:00 PM · Medicare AEP (Oct 15 – Dec 7): Mon–Sat 8 AM – 8 PM, Sun 12 PM – 5 PM
Rates change every plan year, and the Medicare Annual Enrollment Period closes December 7. Talk to a licensed Orlando agent today — same-week appointments are usually available, and there is never a fee or an obligation.
📞 Call Now: +1-540-352-6249Cypress Ridge Life & Health Insurance · 1214 E. Robinson Street, Suite 210, Orlando, FL 32801 · hello@cypressridgelifehealth.com