Insurance made clear.
Right here in Florida.
Local, independent guidance for Medicare, health insurance, life insurance, annuities and supplemental coverage — for people turning 65, retirees and families planning ahead.
Local help. Plain answers. No pressure.
Curbello Health is an independent insurance agency based in Palm Beach County and serving clients across Florida. My expertise helps individuals, families, seniors and those preparing for retirement compare Medicare, health, life, supplemental and fixed indexed annuity options — with no cost and no pressure.
Insurance guidance built around you
Independent options
Guidance based on your needs — not a single insurance company's.
Clear explanations
We turn confusing insurance choices into plain language you can act on.
Continued support
We're here before, during and after enrollment — and every fall for a review.
Explore your insurance options
Personal guidance for people turning 65, those already on Medicare, and families planning ahead.
Medicare Advantage
Part C plans that combine hospital and medical coverage — and often drug coverage — in one plan. We check your doctors and pharmacies before you choose.
Medicare options →Medicare Supplement
Medigap plans that help pay costs Original Medicare leaves behind, with the freedom to see any doctor who accepts Medicare.
Medicare options →Part D Drug Plans
Prescription drug coverage compared against your actual medication list and preferred pharmacy.
Medicare options →Health Insurance
Individual and family plans, including ACA Marketplace coverage — and a bridge for early retirees until Medicare.
Health insurance →Life Insurance
Final expense, term, return of premium term, mortgage protection, whole life, indexed universal life (IUL) and guaranteed issue policies to protect the people you love.
Life insurance →Fixed Indexed Annuities
Protect retirement savings from market losses, with growth potential and tax-deferred earnings.
Annuities →Hospital Indemnity
Supplemental coverage that pays a cash benefit for covered hospital stays, to help with out-of-pocket costs.
Supplemental coverage →Home Health Care
Coverage designed to help with in-home care and support, so you can stay independent at home.
Supplemental coverage →How we help
We make insurance easier to understand. From learning about your needs and comparing your options to helping you enroll and staying available afterward, we guide you through every step.
Schedule
Pick a time that works for you for a no-cost conversation with a local licensed agent.
Review
We talk through your needs, doctors, prescriptions, priorities and budget.
Compare
We clearly explain the options that fit you from the insurance companies we represent.
Enroll
When you're ready, we help with enrollment and stay available long after.
Learn before you enroll
Medicare 101: Understanding the Basics of Parts A, B, C, and D
New to Medicare? A plain-language overview of what each part covers — hospital, medical, Advantage, and drug coverage — plus when to enroll.
When Can You Enroll in Medicare? Understanding Enrollment Periods and Avoiding Penalties
A plain-language guide to the Initial, General, and Special Enrollment Periods — and how to avoid permanent late-enrollment penalties.
Medicare Supplement Insurance (Medigap): What It Is and How It Works
What Medigap covers (and doesn't), when to buy it, and how to compare standardized plans like Plan G across insurers.
Ready for clear, local guidance?
A short call is all it takes. No pressure and no obligation — just straight answers from a licensed agent in your community.