Ruben Hernandez

My name is Ruben Hernandez, and I help individuals and families across Florida make confident decisions about their insurance and financial protection. I specialize in life, health, annuities, Medicare, and ACA planning, guiding clients through choices that can feel overwhelming without clear, honest advice.

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I entered this industry with a simple goal: to help people protect what they’ve worked so hard to build. Insurance isn’t one-size-fits-all, and I take the time to understand each client’s needs, budget, and long-term goals before recommending any solution. Whether you’re planning for retirement, protecting your family, or navigating healthcare options, my focus is always on what truly serves you.

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What sets me apart is my commitment to education and personalized service. I believe clients deserve to understand their options—not just sign paperwork. I explain coverage in plain language, stay available when questions arise, and remain a long-term resource as your life and needs change.