Life, Health &
Financial Protection
Property insurance protects what you own. Life and health coverage protects who you are — and who depends on you. Bulls Insurance Group helps Florida families and business owners build the complete financial protection stack: Medicare, annuities, and IUL.
$80M+
Life & Annuity Coverage Placed
300+
Medicare Clients Served
15+
Annuity & Life Carriers
Free
Annual Plan Reviews
Three Products. One Complete Picture.
Click any product to see full coverage details, real-world scenarios, and a dedicated consultation form.
Medicare Advantage & Supplements
Navigating Medicare is overwhelming. We help you compare Advantage plans (HMO/PPO networks) vs. Supplement plans (go anywhere), evaluate Part D drug coverage, and enroll in the right plan for your doctors, medications, and budget.
- Medicare Advantage (Part C) plans
- Medicare Supplement (Medigap)
- Part D prescription drug plans
- Annual plan review & optimization
- Local Bradenton/Sarasota specialists
Fixed & Indexed Annuities
Annuities provide guaranteed income you cannot outlive — a critical tool for Florida retirees who don't have a pension. Fixed annuities offer set interest rates. Indexed annuities grow with market upside while protecting against losses.
- Fixed annuities — guaranteed rate of return
- Indexed annuities — market-linked growth
- No loss of principal in down markets
- Lifetime income payment options
- Tax-deferred growth
Indexed Universal Life (IUL)
An IUL is a permanent life insurance policy with a cash value component that grows indexed to market performance — with no downside risk. For business owners and self-employed professionals without a 401K, it's one of the most powerful retirement tools available.
- Permanent life insurance + retirement savings
- Tax-free cash value growth
- No 401K required — perfect for self-employed
- Business succession & key person coverage
- Zero floor — no losses in down markets
Who Life & Health Coverage Is For
Whether you're 35 or 75, self-employed or retiring — there's a product here that belongs in your financial plan.
Approaching Retirement (55–64)
The decade before Medicare eligibility is critical. We help you bridge the gap with life coverage, annuities, and a retirement income plan so you're not dependent on Social Security alone.
Newly Medicare Eligible (65+)
Most people wait until they're confused to ask for help. We proactively guide new Medicare enrollees through every decision — Advantage vs. Supplement, drug plans, specialist access — before the window closes.
Self-Employed & Business Owners
No employer = no 401K, no group health, no pension. IUL fills the retirement gap. Annuities create guaranteed income. Life insurance protects your business and your family simultaneously.
Families Building Long-Term Security
Young families often skip life insurance until it's too late. An IUL started in your 30s or 40s builds significant cash value by retirement while maintaining a strong death benefit throughout.
Business Succession Planning
Buy-sell agreements funded by life insurance protect your business and your partner if one owner passes or becomes disabled. We structure the coverage alongside an estate attorney or CPA.
Retirees Protecting Their Legacy
Annuities ensure income never runs dry. Life insurance protects a surviving spouse or children. Estate planning tools protect generational wealth. We tie it all together.
Why Florida Families Trust Bulls for Life & Health
Local Florida Expertise
We serve Manatee, Sarasota, and the Gulf Coast. We know the local Medicare plan networks, which hospitals are in-network, and what matters most to Florida retirees.
Independent & Unbiased
We work with every major Medicare carrier, annuity provider, and life insurance company. We have no quota to fill for any one brand — you get honest recommendations based on your needs.
Annual Plan Reviews
Medicare plans change every year. We proactively reach out before open enrollment to review your current plan and flag any changes that affect your doctors, drugs, or costs.
Business + Personal Together
Many of our clients are contractors and business owners. We handle their commercial insurance AND their personal financial protection — one relationship, one holistic picture.
No Pressure Education
We explain every product in plain English and never push a product before you understand it. Our clients buy because they understand what they're getting — not because we sold them.
Long-Term Relationship
The right time to start a life policy or annuity is now — but it's never too late. We work with clients from their first IUL at 35 through their Medicare enrollment at 65 and beyond.
Let's Build Your Complete Financial Protection Plan
Medicare. Annuities. IUL. We start with where you are today and build a plan for where you want to be. No pressure — just an honest conversation about your options.