We have been working with individuals and businesses for over 35 years. Richard Penrose is licensed and certified to sell a range of insurance products that are based on personal and professional experience.

We know that insurance can be complicated, but we also know our business. Our years of experience allow us to provide clear, easily understood explanations of insurance products and services, to help you make the best decision.


Richard Penrose

License in the State of Florida W031236

Agency License State of Florida L097756

National Producer Number 16136260

CMS Certified for Medicare Advantage Plans, Medicare Supplements and Prescription Drug Plans

Federal MarketPlace Certification for Individuals

Federal MarketPlace SHOP Certification for Employer Enrollments

Richard started his career with Liberty National Life Insurance in 1983 where he was awarded StateĀ  Leading Sales Award for 3 years. He changed careers and flourished with a 27 year career in wholesale distribution for Industrial applications and building materials. During this time, he received the Mark of Excellence award from Hughes Supply. Richard then resumed working with Florida Farm Bureau Insurance and FloridaBlue from 2011 until 2014. He then transitioned to the Florida Insurance Agency during 2014 and 2015. Shortly after, he received his appointment with FloridaBlue to start a neighborhood agency. Our partnership with Rogers Benefit Group and FloridaBlue shine bright in our area of Northwest Florida residents, small business owners and reach across the state.

Richard’s diversified background and experience is your advantage for answers and help. We are here for your personal or small business life needs and concerns. We also provide 401k retirement plan services through our appointment through Ohio National Life and Financial. Coastal Family LLC is also appointed as a Nationwide Financial General Agency and Illinois Mutual Life Insurance General Agency, while offering Progressive coverage as well.


Our relationships with our carriers is your advantage for making the right choice for your family or your small business. Our resources provide you with the very best information so you can make the right choice.