Craig Carpenter
Owner
Ratings & Reviews
5.00
5 total reviews
My Teams
Social Channels
Private & Short-Term Health Insurance
We’re a family-owned, full-service insurance brokerage dedicated to making coverage simple, accessible, and affordable. With over 18 years of experience, we guide you through plan options from most major carriers, verify eligibility for subsidies and Special Enrollment Periods, and complete your enrollment—often the same day. Our help is 100% free to you.
We proudly serve the entire state of Florida, Texas, Georgia, North Carolina And Tennessee with extended hours (8 AM–11 PM, 7 days), multilingual advisors (English, Urdu, Hindi, Bangla), and a clear focus on saving clients money without sacrificing quality or service.
Our philosophy
Clarity. Care. Consistency.
Insurance shouldn’t be confusing or stressful. We translate complex rules into plain language, present your best options side-by-side, and recommend coverage that fits your goals, health needs, and budget.
From the first call to renewals and life changes, we stay with you. Our advisors act like a trusted partner—listening first, advising honestly, and handling the details so you can feel confident and covered.
What Sets Us Apart
Extended Hours - 7 Days A Week
We're available late nights and weekends, so you don’t have to wait for Monday.
Multilingual Advisors
Get help in your preferred language — English, Urdu, Hindi, Bangla, and more.
Full Service Broker
We represent major carriers — not just one company — so you get real options.
Local Experts
Licensed in multiple states, with deep knowledge of state-specific benefits and programs.
Fast Turnaround
Get quotes, enrollment, and confirmation within minutes, not days.
Help With Complicated Situations
Specializing in hard-to-place cases: recent immigrants, denied Medicaid, tax credits, etc.
Wide Range Of Insurance
ACA, Medicare Plans, private insurance, dental, vision, accident, indemnity, and more — all under one roof.
Personalized Guidance
No cookie-cutter plans. We tailor coverage to your needs, family size, and budget.
Ratings & Reviews
Kristin
Jan 13, 2026
5.00
"Umer is straight to the point in getting you exactly what you need for a great price! He breaks it down easily for you to understand and makes sure everything you need is covered. He makes it simple and quick for you to get it done. Have worked with him for myself and two of my adult children and he has done an awesome job all three times."
Nurina T.
Jan 8, 2026
5.00
"Umer was very helpful and knowledgeable throughout the process. He helped me find the right insurance plan and made everything easy to understand. I really appreciate his support and would definitely recommend him."
Cyara C.
Jan 6, 2026
5.00
"Umer was tremendous help and very understanding of what I needed, and what worked best for my income. He took the time to go through the plans with me and explain everything to help me choose the best policy that works for me. Was very satisfied."
Aya G.
Nov 26, 2025
5.00
"Umer went above and beyond to make sure I understood everything and got the coverage that fit my needs and budget. He was super responsive, friendly, and made the whole process stress free. I’m so grateful for his help. My family has been working with him for years."
R L.
Oct 22, 2025
5.00
"Umer is the best. He is honest, always telling you the pros and cons, no gimmicks. I fully trust him in helping me picking the best choice for me. He is very customer focused. He builds the trusting relationship based on his years of experience and honesty. He would patiently explain the details of the complex world of insurance, do a lot of research for you and give advice no matter you eventually buy a plan from him or not. I would recommend him to anyone who is looking for a trust worthy insurance agent."