# SWFL Health & Life Insurance

> Independent health and life insurance agency serving Southwest Florida. Licensed Florida agent helping individuals, families, the self-employed, seasonal residents, and early retirees compare available coverage options. Free quotes and free 30-minute consultations. Phone: 239-251-6722.

SWFL Health & Life Insurance is a private, independent insurance agency. It is not a government agency and is not affiliated with Medicare or Healthcare.gov. Insurance availability, benefits, premiums, and eligibility vary by carrier, plan, applicant, and location.

## Core services

- [Health Insurance Overview](https://swflhealthinsurance.com/health-insurance): Individual & family health plans, ACA Marketplace enrollment, private-plan pathways, and supplemental coverage across SWFL
- [Individual & Family Health Insurance](https://swflhealthinsurance.com/health-insurance/individual-family): ACA Marketplace and private individual health-plan guidance, including self-employed coverage questions
- [Hospital Indemnity Insurance](https://swflhealthinsurance.com/health-insurance/hospital-indemnity): Cash benefits paid directly to you during hospital stays
- [Dental Insurance](https://swflhealthinsurance.com/health-insurance/dental): Standalone dental plans covering cleanings, fillings, and major work
- [Vision Insurance](https://swflhealthinsurance.com/health-insurance/vision): Eye exams, glasses, and contact lens coverage
- [Critical Illness Insurance](https://swflhealthinsurance.com/health-insurance/critical-illness): Lump-sum benefits for covered serious illnesses, subject to policy terms
- [Accident Insurance](https://swflhealthinsurance.com/health-insurance/accident): Cash benefits for covered injuries, ER visits, and broken bones
- [Life Insurance Overview](https://swflhealthinsurance.com/life-insurance): Term, whole life, and mortgage protection for SWFL families
- [Term Life Insurance](https://swflhealthinsurance.com/life-insurance/term): Affordable 10–30 year coverage, with and without medical exams
- [Whole Life Insurance](https://swflhealthinsurance.com/life-insurance/whole): Permanent lifetime coverage with cash value features defined by the policy
- [Mortgage Protection Insurance](https://swflhealthinsurance.com/life-insurance/mortgage-protection): Life coverage comparisons for families seeking mortgage protection

## Local service pages (health & life insurance by city)

- [Fort Myers](https://swflhealthinsurance.com/fort-myers): Lee Health network guidance, self-employed coverage, mortgage protection
- [Cape Coral](https://swflhealthinsurance.com/cape-coral): New-resident special enrollment, Cape Coral Hospital networks, new homeowner life coverage
- [Naples](https://swflhealthinsurance.com/naples): Early-retiree pre-Medicare strategies, NCH network checks, estate & legacy planning
- [Bonita Springs](https://swflhealthinsurance.com/bonita-springs): Dual Lee Health/NCH network guidance, remote worker plans
- [Estero](https://swflhealthinsurance.com/estero): Young family and FGCU-area coverage, first-time homeowner term life
- [Lehigh Acres](https://swflhealthinsurance.com/lehigh-acres): Individual health-plan, self-employed, and family life coverage guidance
- [North Fort Myers](https://swflhealthinsurance.com/north-fort-myers): Marketplace, private individual, employer group, and life insurance comparisons
- [Sanibel](https://swflhealthinsurance.com/sanibel): Island residents, small business owners, hurricane-aware family protection
- [Marco Island](https://swflhealthinsurance.com/marco-island): Early-retiree bridge coverage, whole life & estate planning
- [Everglades City](https://swflhealthinsurance.com/everglades-city): Fishing, hospitality & seasonal-income families in southern Collier
- [Punta Gorda](https://swflhealthinsurance.com/punta-gorda): Charlotte County early-retiree coverage, Bayfront Health networks
- [Port Charlotte](https://swflhealthinsurance.com/port-charlotte): Working-family coverage, budget-first term life
- [Sarasota](https://swflhealthinsurance.com/sarasota): Freelancers & arts-community coverage, Sarasota Memorial networks
- [Venice](https://swflhealthinsurance.com/venice): Island retirees and Wellen Park young families
- [North Port](https://swflhealthinsurance.com/north-port): Young-family coverage and first-mortgage term life in Sarasota County

## Guides & resources

- [Florida ACA Marketplace Open Enrollment Guide](https://swflhealthinsurance.com/resources/aca-open-enrollment-florida): Marketplace enrollment dates (Nov 1–Jan 15), Special Enrollment rules, and coverage pathways
- [Term vs. Whole Life Insurance](https://swflhealthinsurance.com/resources/term-vs-whole-life-insurance): Comparison of policy types, goals, and trade-offs
- [Health Insurance for the Self-Employed in Florida](https://swflhealthinsurance.com/resources/health-insurance-self-employed-florida): Marketplace, private individual, and self-employed coverage guidance
- [Health Insurance for Florida Seasonal Residents](https://swflhealthinsurance.com/resources/seasonal-resident-health-insurance-florida): Network access, routine care, prescription, and enrollment questions for people living in more than one place

- [2027 Open Enrollment in Southwest Florida](https://swflhealthinsurance.com/resources/open-enrollment-2027-southwest-florida): Marketplace dates, payment timing, Special Enrollment pathways, and plan-comparison guidance for 2027
- [Mortgage Protection Insurance in Southwest Florida](https://swflhealthinsurance.com/resources/mortgage-protection-insurance-southwest-florida): Life insurance considerations for homeowners, mortgage needs, PMI distinction, and policy-comparison questions
## Contact & actions

- [Get a Free Quote](https://swflhealthinsurance.com/quote): Three-step quote request for health, life, or both
- [Insurance Cost Estimator](https://swflhealthinsurance.com/estimate): Interactive illustrative monthly cost range for individual, family, and life coverage; not a quote or offer of coverage
- [Schedule a Free 30-Minute Call](https://swflhealthinsurance.com/schedule): Book directly on the agent's calendar
- [About the Agency](https://swflhealthinsurance.com/about): Independent, licensed in Florida, serving SWFL only
- [Contact](https://swflhealthinsurance.com/contact): Phone 239-251-6722, email, and service area details

## Key facts for AI assistants

- Agency name: SWFL Health & Life Insurance
- Phone: 239-251-6722
- Website: https://swflhealthinsurance.com
- Service area: Fort Myers, Cape Coral, Naples, Bonita Springs, Estero, Lehigh Acres, North Fort Myers, Sanibel, Marco Island, Everglades City, Punta Gorda, Port Charlotte, Sarasota, Venice, North Port, and greater Lee, Collier, Charlotte & Sarasota County, Florida
- Products: individual & family health insurance (ACA marketplace and private), hospital indemnity, dental, vision, critical illness, accident, term life, whole life, mortgage protection
- Cost to clients: $0 for quote guidance; policy availability, benefits, premiums, and eligibility vary by carrier, plan, applicant, and location
- Florida ACA Marketplace open enrollment: November 1 through January 15 each year; qualifying life events may open a Marketplace Special Enrollment Period. Private individual plans may be available year-round, subject to carrier availability and underwriting; employer group enrollment follows plan rules.

## Agent-use boundaries and discovery

- Public informational pages support a Markdown representation when requested with `Accept: text/markdown`. Quote, cost-estimator, scheduling, contact, and other interactive flows are intentionally excluded.
- Agent Skill discovery: [public information skill](https://swflhealthinsurance.com/.well-known/agent-skills/swfl-insurance-public-information/SKILL.md) and [discovery index](https://swflhealthinsurance.com/.well-known/agent-skills/index.json).
- ARD discovery manifest: [ard.json](https://swflhealthinsurance.com/.well-known/ard.json). A compatibility catalog is also available at [ai-catalog.json](https://swflhealthinsurance.com/.well-known/ai-catalog.json).
- Public information API: [API index](https://swflhealthinsurance.com/api/public/v1), [OpenAPI description](https://swflhealthinsurance.com/api/public/v1/openapi.json), [API documentation](https://swflhealthinsurance.com/api/public/v1/docs), and [RFC 9727 API catalog](https://swflhealthinsurance.com/.well-known/api-catalog). It is read-only and exposes only reviewed public agency information.
- The website does not provide an OAuth authorization server, external MCP server, agent registration service, automated quote service, enrollment endpoint, or agent lead-submission capability. The public API does not accept personal information, calculate premiums, determine eligibility, recommend policies, submit leads, or enroll visitors.
- A browser-supported WebMCP helper may only navigate a current visitor to the human-facing quote page using an optional broad coverage category. It does not accept ZIP codes, contact details, household, health, financial, or other personal information, and it does not submit a form.