INDEPENDENT INSURANCE GUIDANCE · LICENSED IN 50 STATES
Independent guidance for every chapter of retirement.
Medicare, life insurance, annuities, and estate planning — all under one roof, with one licensed team that works for you, not the carriers.
★ ★ ★ ★ ★4.7 / 5 across 100+ reviews
Licensed in all 50 states
over 30 A+ rated carriers
Trusted carrier partners — we shop them all on your behalf.
Three-step Process
We listen. We compare. You decide.
1
We listen.
A 15-minute call to understand your doctors, your medications, and your budget — no sales pitch.
2
We compare.
Side-by-side plans from every major carrier in your area, with the actual annual cost — not just the sticker premium.
3
You decide.
Side-by-side plans from every major carrier in your area, with the actual annual cost — not just the sticker premium.
WHAT WE HELP WITH
Four pieces of your retirement — coordinated.
Most agents specialize in one product. We cover the four that work together — so your Medicare plan, your life coverage, your income, and your estate plan actually align.
Medicare
Compare every major plan, in one sitting.
Medicare Advantage (Part C)
Medicare Supplement (Medigap)
Part D Prescription Drug plans
Annual plan reviews
Life Insurance
Protect the people who count on you.
Term life insurance
Whole life insurance
Indexed Universal Life (IUL)
Final expense coverage
Annuities
Guaranteed retirement income.
Fixed annuities
Fixed-indexed annuities
Immediate income annuities
Multi-year guaranteed (MYGA)
Trust & Will
Protect what you've built for the next generation.
Revocable living trusts
Simple wills
Healthcare directives
Power of attorney
Trusted Nationwide
What our members say about working with us.
4.7
★ ★ ★ ★ ★
Average Rating
100+
Verified Reviews
50
States Served
OUR DIFFERENCE
Independent means we actually work for you.
We're not captive to any carrier. That one structural difference changes everything about how we advise.
1
We shop every carrier we represent.
Thirty top-rated Medicare carriers, plus a dozen life and annuity carriers — we're constantly re-evaluating. You get the best policy for your situation, not the one our contract pushes.
2
We're paid the same regardless of carrier.
Commissions are roughly equal across carriers. Zero financial incentive to steer you toward one company. Our only incentive is a client who stays with us for life.
3
We're here for the long game.
Annual reviews, carrier switches when a better plan appears, coordinated planning across all four product lines. Not a one-time sale.
Common Questions
Quick answers, before you reach out.
Do you charge for your services?
No. We're paid a small commission by the carrier when you enroll — at no additional cost to you. The plan premium is the same whether you enroll through us or directly.
Are you licensed in my state?
Yes. Sun State Partners is licensed in all 50 states. We serve clients nationwide.
How is an independent agency different from Humana, UHC, etc.?
Those are carriers — they only sell their own products. We're an independent agency, which means we represent UnitedHealthcare, Aetna, Humana, Cigna HealthSpring, Mutual of Omaha, Anthem, Medico, United American, and others. We compare all of them to find your best fit.
What's the process look like?
Start with a free 15-minute call. We'll understand your situation, recommend what to look at next, and only move forward if it makes sense for you. No pressure, ever.
Can you coordinate Medicare, life insurance, and retirement planning together?
Yes — that's our specialty. Most agencies focus on only one product, which means your plans are uncoordinated. We look at the whole picture.
How do I get started?
Book a free 15-minute call or explore any of our products pages to learn more first — whichever feels right for where you are.
Get Started
Let's make your retirement plan actually fit.
One 15-minute call. We'll understand what you need, recommend what to look at first, and never push you into anything.
Sun State Partners
Independent insurance guidance, nationwide.
2681 Kavalier Dr.
Palm Harbor, FL 34684
888-909-5428
[email protected]
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Privacy Policy | Terms of Service | © 2026 Sun State Partners LLC. All rights reserved. Licensed in all 50 states.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. We are not connected with or endorsed by the United States government or the federal Medicare program. This is a solicitation for insurance.