Licensed Insurance Agent · Miami, FL
I'm Erika Torres. I help Florida families and retirees compare Medicare, life, final expense and dental plans — plainly, patiently, and at no cost to you.
What I help with
Independent means I'm not tied to a single carrier. I compare what's available in your ZIP code and explain the trade-offs in ordinary language.
Advantage, Supplement and Part D — compared side by side, with your doctors and prescriptions checked first.
Small whole-life policies that cover funeral and burial costs, so the bill never lands on your children.
Term and permanent coverage sized to your mortgage, your income and the people counting on it.
Standalone dental, vision and hearing plans for what Original Medicare leaves out.
About
Insurance is only simple once someone sits down and walks you through it. That's the whole job as I see it: listen first, compare honestly, and never push a plan that doesn't serve you.
I work with clients across Miami-Dade and all of Florida — at my Doral office, at your kitchen table, or over the phone if that's easier. When something changes mid-year, you call me directly. Not a call center.
— Erika Torres
How it works
A short call or visit. Your doctors, your medications, your budget, what you already have.
I pull the plans available where you live and lay out the real differences — not brochures.
You pick. I handle the paperwork and stay your point of contact for as long as you're covered.
Get in touch