You shouldn't need a decoder ring to understand your insurance.
I'm Tammy Mink, and I help people in Florida make sense of Medicare Supplement, life insurance, and supplemental health coverage. No jargon. No pressure. Just plain English from someone who lives in your community.
I'm an independent agent based in Palm Harbor. That means I work for you, not for an insurance company.
How I work
- 1
Listen
I start by understanding your situation, your concerns, and what matters to you.
- 2
Explain
I walk you through your options in plain English. No jargon, no fine print tricks.
- 3
Compare
I show you the trade-offs. Every plan has them. You deserve to see them clearly.
- 4
Recommend
I tell you what I'd suggest and why. But the decision is always yours.
- 5
Follow up
I check in. If something changes, I want to make sure your coverage still fits.
What I help with
Medicare Supplement
Original Medicare leaves gaps. A Medigap plan helps cover what Medicare doesn't, like deductibles and coinsurance. I'll walk you through the standardized plan letters and help you understand what fits.
Learn more →Life Insurance
Whether you're looking at final expense coverage, term life for a specific period, or whole life for permanent protection, I can explain the differences so you can decide what makes sense.
Learn more →Supplemental Health
Hospital indemnity, cancer, and accident policies pay you directly when something happens. They supplement your existing coverage, not replace it. I'll help you understand if they make sense for you.
Learn more →Licensed in Florida. Based in Palm Harbor.
I'm based in Palm Harbor and licensed to help people across Florida. When you call me, you're talking to someone who lives in the same community and understands what matters to the people here.
Whether you're local to Pinellas County or anywhere else in the state, you'll get the same attention.
Questions I hear often
What does Original Medicare actually cover?
Medicare Parts A and B cover a lot, but not everything. Understanding the gaps is the first step.
Do I need life insurance if I'm retired?
It depends on your situation. Final expenses, remaining debts, and family needs all factor in.
What's the difference between Plan G and Plan N?
Both are popular Medigap plans. The trade-off is between monthly cost and small copayments.
What is hospital indemnity insurance?
It pays you a fixed cash amount when you're hospitalized. You can use it for anything you need.
Have a question?
Fill out the form below and I'll get back to you. No pressure. No obligation.