People approaching 65
Turning 65 within the next six months, or still working with employer coverage and unsure whether to take Part B. Reviewing the timing and coverage rules can help avoid enrollment problems.
About Your Advisor
Meet Lynn Hunteryour neighbor, and your advocate
Lynn Hunter is an independent, licensed multi-state insurance advisor based in Sarasota and serving Sarasota, Manatee and Charlotte County. She built her practice on a simple idea: people make good decisions when someone takes the time to explain the options honestly — including when keeping your current coverage may be the right choice.
A different kind of insurance conversation
Most people meet an insurance agent at a stressful moment — a birthday that triggers Medicare, a retirement date, a diagnosis, the death of a parent. Lynn's job is to make that moment calmer. She starts by listening: what you own, who depends on you, which doctors you trust, what would genuinely worry you if it happened next year.
Only then does she talk about products. Because she is independent, she can shop multiple highly rated insurance carriers and put the comparison in front of you side by side — premiums, networks, benefit definitions, financial-strength ratings and the trade-offs each option carries. If your current coverage is already the right fit, she will tell you so and put the meeting to better use.
Lynn has lived in the Sarasota area since 1989 and now resides in the neighboring community of Palmetto, FL. That local knowledge matters more than people expect — from understanding local provider networks and hospital systems to helping clients evaluate pharmacy access and insurance options available in their area.
Lynn is licensed in multiple states and is able to obtain a non-resident license in any state where her clients need help. So whether you are in Florida full-time, a snowbird splitting the year, or a family member trying to coordinate coverage from across the country, she can work with you — or guide you to a qualified colleague if another state is a better fit.
How Lynn works
- Independent and unbiased — appointed with multiple carriers, loyal to clients rather than companies.
- Educational first — you should be able to explain your own plan to a friend by the time the meeting ends.
- No cost, no obligation — reviews are free, with a straightforward and no-pressure approach.
- Whole-picture planning — Medicare, income, life insurance and care planning considered together, not sold in isolation.
- Available year-round — an advocate for claims, ID cards, prior authorizations and pharmacy issues, not just at enrollment.
- Local and in person — meetings on your terms, in your neighborhood.
Who Lynn commonly helps
Recent retirees
Trading a paycheck for a portfolio. Lynn can help coordinate Medicare, retirement income options and coverage previously provided by an employer.
Snowbirds & part-year residents
Splitting time between Florida and a northern state changes which Medicare structure makes sense. Lynn does this comparison constantly.
Families caring for parents
Adult children who suddenly need to understand Mom's plan, her drug costs and what happens if she cannot stay home alone.
Business owners & professionals
Key person coverage, buy-sell funding, and life insurance sized to a real balance sheet.
Anyone who feels sold to
If your last insurance conversation felt like a pitch, this one will not.
Start with what you need
Explore Medicare, annuities, life insurance, long-term care and supplemental protection coverage — or start with the free guides and checklists.
Frequently Asked Questions
- Is Lynn an independent agent?
- Yes. Lynn is not captive to any single insurance company. She is appointed with multiple highly rated insurance carriers, which means she can compare options among the plans and carriers she represents and recommend coverage that fits your individual needs rather than the plan a single employer requires her to sell.
- How is Lynn paid?
- There is no fee to you for my insurance services. When a policy is placed, I may be compensated by the insurance carrier. Your premium is not increased because you work with me.
- Where does Lynn meet clients?
- In your home, at a coffee shop, in your community clubhouse, or by phone and video — whatever is comfortable. Lynn regularly travels throughout Sarasota, Bradenton, Lakewood Ranch, Venice, Osprey, Nokomis, Palmer Ranch, North Port, Port Charlotte, Punta Gorda and Englewood.
- What happens after I enroll?
- Lynn is available year-round to help with coverage questions, ID cards, prior authorizations, pharmacy issues and plan changes. Each fall, Medicare clients are encouraged to review their Annual Notice of Change and request a review if they would like help determining whether their current coverage continues to meet their needs.
Where Lynn works
Lynn meets clients in person throughout Sarasota, Manatee and Charlotte County — at your kitchen table, your condo clubhouse, a Lakewood Ranch or Port Charlotte coffee shop — and by phone or video when that is easier. Snowbirds who split the year between Florida and a northern state are welcome; Lynn regularly helps part-year residents coordinate coverage that travels with them.
- Sarasota
- Bradenton
- Lakewood Ranch
- Venice
- Palmer Ranch
- North Port
- Osprey
- Nokomis
- Siesta Key
- Longboat Key
- Manatee County
- Sarasota County
- Charlotte County
- Port Charlotte
- Punta Gorda
- Englewood
- Rotonda West
Let's have a real conversation
No script, no pressure, no cost. Just an honest look at whether your coverage still fits your life.