Virtual Insurance Bureau

Reliability and competence at your service

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About Us

Welcome to my agency! We are an independent agency with the client in mind. We offer you a no-stress, hassle-free way to see if you can save more money on insurance.

At Virtual Insurance Bureau we specialize in Medicare Supplements and Medicare Advantage, Life Insurance, and Social Security timing. We are passionate about serving our clients. As an independent Agency, we customize plans that are appropriate and tailored to your specific needs.
We offer educational Medicare seminars and Informational seminars on the Deferred Retirement Options Plans (DROP) for Retiring Florida State, City, County and School members.

…here is a list of what we can do for you.

All Medicare Products
Life Insurance
Final Expense
Cancer Insurance * Lump sum from $5,000 to $50,000 with reasonable premiums.
Critical Illness
Dental, Vision, Hearing
Long Term Care, Home Health Care

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Medicare is a fee-for-service health care program for seniors, in which the government pays health care providers directly for services that fall under Parts A and B of Medicare benefits (see below). However, if you are looking for more coverage than Original Medicare, you can purchase one of our Medicare Advantage Plans to receive all your Part A and Part B benefits.

Medicare is divided into four categories. This allows you to customize your personal coverage when shopping for a comprehensive policy.

  • Part A (hospital insurance): Covers hospital care, emergency services, nursing home care, home health services and hospice.
  • Part B (medical insurance): Covers medically necessary services and supplies used for diagnosing and treating medical conditions, and preventative services for illness prevention and/or early detection. Examples include ambulance services, mental health care, outpatient procedures and clinical research.
  • Part C: Combines Parts A and B and often part D as well.
  • Part D: Offers prescription drug coverage.

Life Insurance

With our Return of Premium life Insurance, you can provide solid life insurance protection for your family with a guaranteed death benefit. If you outlive your policy, you get something tangible back-The Return Of ALL, Eligible Premium Paid.

Long Term Care

Unlike traditional health insurance, long-term care insurance is designed to cover long-term services and supports, including personal and custodial care in a variety of settings such as your home, a community organization, or other facilities.


Social Security is a major source of income for most people age 65 and over.   The Social Security program was originally established to provide the base of financial protection for working people and their families when earnings are lost due to retirement.  Social Security can be more than just retirement income.