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Medicare Insurance Advisor and Broker

Putting Customers First, Always

For over 42 years, our agency has built its reputation on listening, understanding, and putting people first. We don't just sell policies—we build trust and lasting relationships. One of our longtime clients came to us after experiencing a devastating house fire. While the damage was overwhelming, we worked side by side with them through every step of the claims process, ensuring they had the resources and guidance they needed to rebuild quickly. Moments like these remind us why we do what we do: to protect what matters most and to stand by our clients when they need us most.

Personal

Car, Home, Umbrella, Motorcycle

Personal lines insurance should fit your life and your budget. That's why we shop 76 companies on your behalf, comparing coverage and rates.

Commercial

General Liability, Workers' Comp

Protecting your business means more than investing a loss. We find the right general liability and workers' compensation coverage, giving you the confidence you deserve.

Specialty

Unique Risks, Events, Products

Not every risk is routine. From events to unique products and special exposures, we work with carriers to customize specialty coverage that fits your exact needs.

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About Ralph Temple..

Couple overlooking ocean

Ralph has been an insurance professional since 1968. He and his wife Cheryl relocated from Glen Ellyn, IL to Punta Gorda in 2004 and in 2011 he began a second insurance career, focused on helping you and hundreds of others understand Medicare insurance. Ralph has always believed that insurance is a service to help people deal with the financial uncertainties of life, and his “golden rule” is if he wouldn’t buy it he won’t recommend it.

Call/Text: 941-286-6047

ralph.temple@rtemple.net

office hours by appointment 315 E. Olympia Avenue Second floor, Suite 249 Punta Gorda FL 33950

Family planning

The first and last question we always ask

The first and last question we always ask is simple: "Do you have any questions?" Because where there isn't confidence matter most.

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Sailboat at sunset

The hidden costs of the wrong coverage

The hidden costs of having the wrong coverage often surface when it's too late. Beyond your personal protected expenses, and gaps in protection.

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Home interior

How to cut expenses on your policy

You can cut expenses on your policy by bundling—combining your home, auto, or business coverage with one plan often lowers premiums and maximizes your savings.

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