The right coverage, explained by someone who answers the phone.
MSW Agency is a Florida insurance agency built on one idea: people make better decisions about life, health and retirement when someone sits with them and walks through the options in plain language. No pressure, no jargon, no guessing.
Support
Coverage that keeps a family steady when income stops or a final expense arrives. We size the policy to the actual obligation — the mortgage, the tuition, the funeral — not to a sales target.
- Term life insurance
- Whole and universal life
- Final expense coverage
- Mortgage protection
- Accident and critical illness
- Living benefit riders
Empower
Health coverage you can actually use. We compare plans side by side — premiums, deductibles, drug lists, and whether your doctor is still in network — and then explain the trade-offs before you enroll.
- Medicare Advantage
- Medicare Supplement
- Part D prescription plans
- Individual and family health
- Dental, vision and hearing
- Hospital indemnity
Transform
Retirement income you cannot outlive, and savings strategies that protect principal. For business owners, coverage that keeps the company running when a key person cannot.
- Fixed and indexed annuities
- Retirement income planning
- IRA and 401(k) rollovers
- College savings strategies
- Key person coverage
- Buy-sell funding
How it works
Three conversations, usually inside of a week. Nothing is submitted until you say so, and a review costs you nothing.
Tell us what you're protecting
A short call or an in-person visit. Who depends on you, what you already have in place, what keeps you up at night, and what you can comfortably spend each month.
Compare real options
We shop multiple carriers and bring you a short list with the numbers next to each other — what it costs, what it pays, what it excludes, and why we recommend one over the others.
Enroll and stay covered
We handle the application, the underwriting questions and the paperwork. Then we check in each year, because rates change, health changes, and plans change their networks.
Who we sit down with
Families
Parents making sure a mortgage and a childhood stay intact if something happens to the person paying for both.
People turning 65
First-time Medicare enrollees sorting Advantage from Supplement, and current members whose plan changed under them.
Near-retirees
Savers who want a floor under their retirement income and are tired of watching a balance swing.
Small business owners
Owners protecting the business against the loss of a partner or the one employee everything runs through.
Churches and nonprofits
Ministries and community organizations covering pastors, staff and volunteers on a real budget.
Anyone who's been sold to
Clients who already own a policy and want an honest second opinion on whether it still fits.
We shop the market, not one shelf
Independent means we are not employed by any single insurance company. We place business with carriers we hold appointments with and recommend the one that fits your situation.
- Aetna
- Aflac
- Allstate
- American Amicable
- Americo
- Cigna
- Corebridge
- Foresters
- Gerber Life
- Guarantee Trust Life
- Humana
- Liberty Bankers
- Manhattan Life
- Mutual of Omaha
- Royal Neighbors
- Transamerica
- United Home Life
- UnitedHealthcare
Carrier availability varies by product, by state and by your eligibility. Ask us which carriers we currently represent for the coverage you are shopping for.
Licensed agents: build your book here
We are growing a producer network across Florida and beyond. If you hold a 2-15, 2-14 or 0215 license — or you're newly licensed and coachable — there is a seat here.
You get carrier access, live training, leads support and a leadership track that pays you for developing other agents, not just for your own production.
Start the conversationWhat comes with the contract
- Direct carrier appointments across life, annuity and health
- Weekly product training and monthly compliance training
- Structured onboarding, from contracting to first submitted app
- Commission tracking you can see, not guess at
- Team leader track after a proven production period
- Mentorship from an agency leadership team with decades in the field
Let's talk
Tell us a little about what you need. We'll reach out within one business day to set up a time.
Call or text
Office
600 NW 183rd Street, Suite 103
Miami Gardens, FL 33169
Hours
Monday to Friday, 9:00 a.m. – 6:00 p.m. ET
Evenings and weekends by appointment