Walk-ins welcome at 1214 E. Robinson Street, Suite 210, Orlando, FL 32801 · Same-week appointments usually available · Bilingual agents: English, Spanish and Portuguese.
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Florida Life & Health Agent License #W284917 · AHIP Medicare certified annually · ACA Marketplace certified through HealthCare.gov · E&O insured and bonded · Members of NAIFA and the Florida Association of Insurance Agents.
Cypress Ridge Life & Health Insurance is a fully independent Orlando insurance agency with more than 25 carrier appointments. That means we are not tied to one company's rate sheet — we shop term life, whole life, ACA Marketplace health plans, Medicare Advantage, Medigap and small-group benefits side by side and show you the real numbers. Our nine licensed agents have personally placed over 5,000 policies across Orange, Seminole, Osceola, Lake, Polk and Brevard counties since 2011. Whether you are a young family in Hunter's Creek looking for $500,000 of term coverage, a self-employed gig worker in Winter Park who needs a subsidy calculation, or a business owner in Altamonte Springs benchmarking a 12-person group plan, there is never a consultation fee and never an obligation to buy. Call +1-540-352-6249 or request your free quote online.
10, 15, 20 and 30-year level term policies for Orlando families, new homeowners and mortgage protection. Healthy applicants age 35 commonly see $250,000 of coverage for roughly $18–$25 per month, and no-medical-exam options are available for ages 0–85. We help you match the term length to your mortgage balance, income replacement years and college costs — then lock the rate before your next birthday changes it.
Get Your Free QuotePermanent coverage that builds cash value for clients who want lifelong protection, estate planning or a tax-advantaged savings component. Popular with Orlando business owners, grandparents funding juvenile policies, and families using IUL for supplemental retirement income. We illustrate guaranteed versus non-guaranteed columns clearly, so you know exactly which numbers are contractual and which depend on market performance.
Get Your Free QuoteSmall whole life policies designed to cover funeral costs, cremation, outstanding medical bills and other final expenses. Plans typically range from $35 to $90 per month depending on age and health, with simplified-issue underwriting that does not require a medical exam. Families in Kissimmee, Sanford and Clermont often use this to avoid leaving adult children with an unexpected bill.
Get Your Free QuoteHealthCare.gov certified enrollment with full premium tax credit and cost-sharing reduction calculations. Many Central Florida households qualify for plans in the $0–$50 per month range after subsidies, and some qualify for $0 deductible Silver plans. We verify your income estimate, check your doctors and prescriptions against each network, and re-certify you every plan year so your coverage never lapses.
Get Your Free QuoteTurning 65 or already on Medicare? We compare Advantage HMO and PPO plans, Medicare Supplement Plan G and Plan N, and standalone Part D drug plans across multiple carriers. Advantage plans are frequently $0 monthly premium with copays, while Medigap Plan G pricing varies by carrier and age — we quote several at once. All of our Medicare-writing agents are AHIP and Fraud, Waste & Abuse certified every year.
Get Your Free QuoteGroup health benefits for Orlando businesses with 2 to 50 employees, plus dental, vision, short and long-term disability, critical illness, accident and hospital indemnity options. Small-business owners receive a complimentary benefits benchmark report comparing their current group plan against three alternatives. We also write key-person and buy-sell life coverage so the business itself is protected, not just the staff.
Get Your Free QuotePlenty of Orlando agencies will quote you one carrier and move on. We built Cypress Ridge differently — an independent, family-run practice where the owner still writes policies every week and every client gets a named agent who answers their phone.
Serving Central Florida since 2011, our team of nine licensed agents and two client-service coordinators has handled more than 5,000 life and health insurance placements. That volume matters: we know which carriers approve a 58-year-old with controlled diabetes, which ACA networks actually include Orlando Health and AdventHealth physicians, and which Medigap carriers have historically raised rates in Florida ZIP codes. That first-hand underwriting knowledge is what turns a quote into a policy that still fits five years from now.
Fourteen years writing policies across Orlando, Winter Park, Kissimmee and Sanford. We know Central Florida carrier networks, ZIP-code rate patterns and hospital systems — not a national script.
Calls and emails are answered within one business day, and most clients hear back the same afternoon. During open enrollment we average under four hours. Same-week appointments are usually available.
Upfront quotes with no hidden fees, no broker mark-ups and no monthly service charges. Our agents are paid by the carriers — you pay nothing for consultations, applications or annual reviews.
Zero-pressure guarantee, a 30-day policy re-shop at no cost if a plan is not the right fit, and Florida's free-look period honored on every policy with a full premium refund.
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Most clients go from first phone call to active coverage in under two weeks — and no decision is ever required on the first conversation. Here is exactly what happens when you contact a life and health insurance agent at Cypress Ridge.
Call +1-540-352-6249, submit the form on this page, or email hello@cypressridgelifehealth.com. A licensed Orlando agent — not a call center — responds within one business day and books a 20-minute phone, Zoom or in-person appointment.
We review your household income, mortgage balance, dependents, employer benefits, doctors and prescriptions. If you already own coverage, we run a free 15-minute policy review and tell you honestly whether your current plan is still competitive.
You receive side-by-side quotes from multiple carriers with premiums, riders, waiting periods and underwriting classes spelled out in plain English. No pressure, no obligation, and no cost for the analysis — we are compensated by the carrier you choose.
We submit the application, track underwriting, confirm delivery of your policy, and set a calendar reminder for your annual review. If you ever file a claim, your assigned agent handles the paperwork with you personally.
Our office sits in downtown Orlando at 1214 E. Robinson Street, and we write policies throughout Orange, Seminole, Osceola, Lake, Polk and Brevard counties. In-home appointments are available across the metro area, and virtual appointments are offered statewide in Florida via Zoom or phone. We are licensed in Florida only.
Don't see your area? We serve the entire region — call +1-540-352-6249 and we will confirm same-week availability in your neighborhood.
Rated 4.9 out of 5 across 412 client reviews. Here is what real Central Florida policyholders say after contacting our Orlando life and health insurance agents.
"Our ACA Marketplace premium was $612 a month before I called. The team ran a new subsidy calculation and moved us to a Silver plan with a $0 deductible for $38 a month. They answered my first call in under 20 minutes and walked me through every document upload."
"I needed mortgage protection before a Friday closing. Marcus issued a $400,000 20-year term policy in six days with no medical exam and saved me $62 a month versus the quote my lender gave me. He followed up after the policy was delivered to confirm the beneficiary was correct."
"I turned 65 in October and had three Medicare mailers on my counter. Cypress Ridge checked my cardiologist, my hospital and all six of my prescriptions, then put me on a $0 premium Advantage plan with a $0 copay for generics. The whole review took 40 minutes on Zoom."
"We have 14 employees and our group renewal jumped 19%. Cypress Ridge brought a benchmark report comparing our plan to three alternatives and we kept the same network while holding the increase to 6%. They even added dental and hospital indemnity without a broker fee."
These are the questions our Orlando agents hear most often, answered plainly. Have a question that is not listed? Call +1-540-352-6249 and we will answer it in person — no obligation, no pressure.
Nothing. Consultations, quotes, needs analyses, applications and annual reviews are completely free to you. Our agents are compensated directly by the insurance carriers, so there are no broker fees, no mark-ups on your premium and no monthly service charges — ever.
Simplified-issue and no-medical-exam policies are frequently approved in 24 to 72 hours. Fully underwritten term policies with labs and medical records typically take two to four weeks. We tell you the expected timeline for your specific age, health history and carrier before you apply.
No. Our 15-minute policy review is complimentary, even if your current policy was written by a different agency. We compare your existing plan against 25+ carriers and tell you honestly whether switching or keeping what you have is the better financial decision.
Yes. Cypress Ridge Life & Health Insurance holds Florida Department of Financial Services Life & Health Agent License #W284917. All Medicare-writing agents complete AHIP and Fraud, Waste & Abuse certification annually, and we are ACA Marketplace certified through HealthCare.gov each plan year.
Florida law gives you a free-look period — typically 10 to 30 days depending on the product. If you cancel in writing during that window, you receive a full refund of premium. We also offer a 30-day policy re-shop guarantee at no cost if the plan simply is not the right fit.
Absolutely. We compare Medicare Advantage HMO and PPO plans, Medicare Supplement Plan G and Plan N, and standalone Part D drug plans from multiple carriers. Before recommending anything, we check your physicians, your hospital and every prescription against each plan's network and formulary.
Your assigned agent does — not a 1-800 call center. Claims support is part of our written service promise. Call the same number you used to enroll and the licensed agent who wrote your policy walks the claim through the paperwork and carrier follow-up with you personally.
Yes. We hold evening appointments Monday through Thursday until 8:00 PM, in-home visits across Orange, Seminole and Osceola counties, Saturday appointments by request from 9:00 AM to 2:00 PM, and virtual Zoom or phone appointments statewide in Florida. Same-week availability is typical.
Yes. For groups of 2 to 50 employees we provide a complimentary benefits benchmark report comparing your current group plan against three alternatives, including dental, vision, short and long-term disability, critical illness and hospital indemnity coverage. There is no consulting fee for the report.
Sí. Our downtown Orlando office is staffed in English, Spanish and Portuguese. Call our Spanish-language line at +1-407-555-0187 and a bilingual licensed agent will assist with any life insurance, ACA Marketplace or Medicare question you have.
A captive agent represents one insurance company. We are independent with 25+ carrier appointments, so we can compare pricing, underwriting flexibility and benefits side by side — and if your health or needs change, we can re-shop your coverage rather than cancel and start over.
Call +1-540-352-6249, complete the form on this page, or email hello@cypressridgelifehealth.com. We respond within one business day, and there is never an obligation to purchase during your first consultation.
⏳ Medicare Annual Enrollment runs October 15 – December 7, and our calendar fills fastest in the final three weeks. Same-week appointments are usually available, but the sooner you call, the more carrier options you will have.
📞 Call Now: +1-540-352-6249Prefer to reach out in writing? Email hello@cypressridgelifehealth.com — we answer every message within one business day.
Ready for your free quote? Call, email, walk in, or send the form below. A licensed agent — not an answering service — responds within one business day, and there is never any cost or obligation to speak with us.
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"I called on a Tuesday afternoon and had a licensed agent on the phone in under 20 minutes. By Thursday my application was submitted and my policy was delivered the following week."
✅ Licensed & Insured · ✅ 14 Years in Orlando · ✅ 412 verified reviews · ✅ E&O insured and bonded
Helpful pages: about our Orlando insurance agency · all life and health insurance services · contact and appointment scheduling. Virtual appointments are available statewide in Florida. Cypress Ridge Life & Health Insurance is licensed in Florida only.