Senior Insurance Broker · Hablo español
Insurance made simple, all in one place
Real quotes. Real help. No sales tricks.
An independent broker for Palm Bay, Melbourne, and Brevard County. You talk to this office, not a call center. Hablo español.
5.0 stars from 18 Google reviews · Licensed in Florida – License #G100342 (Life, Health & Variable Contracts). Verify license. Hablo español.
Coverage we quote
Homeowners, landlord, auto, flood, and commercial are quoted here, along with Medicare, Marketplace health, and life insurance. Hablo español.
Homeowners
The home you live in. Renters coverage is available if you do not own.
Learn moreLandlord
A policy for a home you rent out. That is not the same as a policy for a home you live in.
Learn moreAuto
Coverage for the cars you drive in Florida.
Learn moreFlood
A separate policy. Standard homeowners coverage typically does not include flood.
Learn moreCommercial
General liability, property, workers’ compensation, auto, BOP, professional liability, and cyber.
Learn moreRenters
Your belongings and liability. A landlord’s policy does not replace this.
Learn moreBoats / RVs
Boat and RV quotes, separate from a basic auto or home policy.
Learn moreGeneral liability
Business liability for injury or damage you may cause to someone else.
Learn moreWorkers’ comp
For Florida employers. The quote starts with who you pay.
Learn moreUmbrella
Extra liability above a home or auto policy.
Learn moreMedicare
Advantage, Supplement, and Part D. Free consultation.
Learn moreMarketplace health
Open enrollment starts November 1. Free consultation.
Learn moreLife insurance
Life insurance quotes. The conversation is free.
Learn more
How a quote works
1
Tell us the line and your ZIP code
The form takes a few fields. Birthdate and household size can wait for the call.
2
We call at the time you pick
Monday–Friday, 9:00 AM–6:00 PM. Saturday, 10:00 AM–2:00 PM. Same-day replies during those hours.
3
You decide
We show the options in plain language. A quote is not a policy until a carrier confirms it.
Why use this office
A carrier website shows that carrier’s plans. An independent agent can put several next to each other. Javier works the quote with you, explains the tradeoffs, and you choose.
The old site sent people out to carrier tools and split the same job across four forms. This site keeps the request here. One form. One phone number.
There is no fee for the conversation. If you buy a policy, the carrier pays the commission. We do not promise the lowest price, and we do not promise that a plan will accept you.
Carriers we work with
We do not offer every plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Logos are trademarks of their respective owners and are shown to identify carriers we are appointed with.
Medicare, with a real person
Annual enrollment is October 15 through December 7. I offer all Medicare plans available in the area. The consultation is free.
Three ways to meet
In person
At our Palm Bay office.
Phone
Call or text (321) 429-1182.
Video call
Ask for a video meeting when you send the quote form.
Check us before you buy
Licensed in Florida – License #G100342 (Life, Health & Variable Contracts). Issued March 6, 2024 to Francisco Javier Garcia. Verify license.
5.0 stars from 18 Google reviews as of November 4, 2026.
Hablo español. Independent broker serving Palm Bay, Melbourne, and all of Brevard County.
Independent broker working with all Medicare and Marketplace carriers in Florida. We shop the carriers so you get options, not pressure.
Google reviews
5.0 stars from 18 Google reviews as of November 4, 2026.
“Javier lo mejor super profecional trabaja junto con el cliente para satisfactory lo del cliente”
Read on Google“Working with Javier has been a completely different experience from a typical insurance agent. He introduced me to the health and life insurance space in depth, and despite spending weeks (even months) answering all my questions, I haven’t signed a policy, NOT because of him, but because my situation is very specific and I take long-term decisions seriously. He fully respected that.…”
“Javier was extremely helpful and knowledgeable when it came to getting me covered with insurance through the affordable care act. I can’t thank him enough and I would absolutely recommend using him as a guide to go over all plan options and setting up your insurance.”
Questions people ask
Do I pay for a quote?
No. The consultation is free. If you enroll, the insurance company pays the commission. You do not add a broker fee on top.
What lines do you quote?
Medicare Advantage, Medicare Supplement, and Part D. ACA Marketplace health plans. Homeowners, auto, flood, renters, life, and commercial coverage, including general liability and workers’ compensation.
Are you local?
Yes. We serve Palm Bay, Melbourne, and all of Brevard County. Hours are Monday–Friday, 9:00 AM–6:00 PM; Saturday, 10:00 AM–2:00 PM; Sunday closed. Closed on US federal holidays. Hablo español.
Do you offer every Medicare plan?
This office is appointed with all Medicare and ACA Marketplace carriers in Florida. The CMS disclaimer is in the footer of every page. Organization and plan counts for your ZIP code are confirmed before we talk about plan choices. You can also use Medicare.gov or call 1-800-MEDICARE.
Ready for a real quote?
Call, text, or send the short form. We answer during Monday–Friday, 9:00 AM–6:00 PM; Saturday, 10:00 AM–2:00 PM; Sunday closed.