Licensed Life & Health Insurance Broker

Coverage that protects the life you're building.

I'm Samantha, an independent broker helping families, homeowners, and self-employed professionals find the right life insurance, health insurance, and annuities. I shop the carriers so you don't have to, and I explain everything in plain English.

Independent brokerMultiple top carriersEnglish & Español
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Protected by someone who gets it.Mom, homeowner, and self-employed. I own the coverage I recommend.
Who I Work With

Built for real life, at every stage

New Parents

A new baby changes everything. The right coverage makes sure they're cared for no matter what.

Homeowners

Your mortgage protection plan should protect your family, not just the bank.

Self-Employed

No employer benefits? You can still build solid health coverage and long-term protection.

Couples & Families

Building a life together means planning for it together, from income protection to retirement.

How It Works

Simple from start to finish

01

Book a free call

Pick a time that works for you. In 15 minutes, we'll talk through your situation and what you want to protect.

02

I shop the market

As an independent broker, I compare options across multiple carriers to find coverage that fits your needs and budget.

03

You choose with confidence

I walk you through each option clearly, answer every question, and help you apply. The decision is always yours.

"I owned my home for three years before anyone explained the difference between protecting the house and protecting the family inside it."

Samantha Melendez

Why Samantha

I've been where you are.

I'm a mom of two, a homeowner, and I left my W2 job to become self-employed. Before I was licensed, nobody took the time to explain my options to me. That gap is exactly why I do this work.

I spent 12 years in real estate, mortgage, and marketing, so I understand the financial side of the milestones my clients are going through. And I practice what I teach: I own the same kinds of coverage I help my clients choose.

Broker vs. Captive Agent

Why work with an independent broker?

More options

A captive agent represents one company. I can compare plans from multiple carriers side by side.

Honest guidance

My job is to find what fits you, not to push a specific company's product.

Ongoing support

Life changes. I'm here to review your coverage as you grow, move, or welcome new family members.

Common Questions

Good questions to ask

Does it cost anything to work with a broker?

No. My consultation is free, and brokers are paid by the insurance carrier. You don't pay extra for my help comparing options.

How much life insurance do I need?

It depends on your income, debts, mortgage, kids, and goals. On our call, I'll walk you through a simple way to estimate the right amount so you're not over or under covered.

I already have coverage through work. Is that enough?

Employer coverage is a great start, but it's often limited and usually doesn't follow you if you change jobs. We can look at whether there's a gap worth filling.

Which states do you work in?

I'm licensed in Florida and several other states. Book a call and I'll confirm whether I can help in your state.

¿Hablas español?

¡Sí! Puedo ayudarte en español o en inglés, como te sientas más cómoda o cómodo.

Free Consultation

Have questions? Start with a 15-minute conversation.

Tell me what's going on in your life and I'll walk you through your options in plain English. No jargon, no obligation, just clarity.

Protected by someone who gets it.

Samantha Melendez is a licensed independent life and health insurance broker based in Central Florida, helping families, homeowners, and self-employed professionals find coverage that fits. Se habla español.