About Florida Life & Health Exchange
We help people buy insurance with clarity, honesty, and respect for their time—always focused on what truly fits their needs.
Built for People Who Want Straight Answers
Florida Life & Health Exchange was created to solve a common problem: insurance decisions that feel confusing, rushed, or sales-driven. Many people come to us after feeling pressured or unsure whether advice was truly in their best interest. Our approach is simple—explain options clearly, compare plans objectively, and let clients decide with confidence. That clarity is what keeps relationships strong long after enrollment.
We’re an independent insurance agency, which means we aren’t tied to any single carrier. Because insurance premiums are regulated, you pay the same price whether you work with us or go directly to a company. The difference is guidance that’s built around you, not a quota.
We help people buy insurance; we don’t sell insurance. You get the same price as you would if you went directly to the insurance company. Our expertise guides through the process to obtaining the best option for you. Our fees get paid by the insurance company so you dont have to pays us. If you like our service; tell your friends.
The Principles That Guide Your Experience
Independence You Can Rely On
Being independent allows us to compare plans from all major carriers, so recommendations are based on fit—not incentives.
Clarity Over Pressure
Insurance choices carry real consequences, which is why we focus on explanation, not urgency or persuasion.
Respect for Your Time
We communicate when it matters, not constantly. Clients hear from us when there’s something genuinely useful to know.
Long-Term Relationships
Our business is built on referrals and repeat clients, which only happens when people feel taken care of year after year.
Leadership Grounded in Financial Experience
Florida Life & Health Exchange is led by Henry Goode, whose background spans nearly two decades in finance and insurance. Before founding FLHE, Henry worked as a financial advisor at Merrill Lynch, where he managed approximately $180 million in client assets. That experience shaped a planning-first mindset focused on responsibility, transparency, and putting the client’s interests first.
Today, that same mindset guides how FLHE approaches insurance. Coverage decisions are treated as part of a bigger financial picture—not a transaction—and clients are encouraged to ask questions until everything feels clear.
The People You’ll Work With
Henry Goode
Principal Managing Agent
Lisa Ross
Agent
Robert Patton
Agent
Proudly Rooted in the Florida Community
Florida Life & Health Exchange is based in Satellite Beach and serves individuals, families, and business owners across the state. Our team understands Florida-specific insurance considerations, from Marketplace rules to Medicare plan availability and business coverage needs that vary by region. Clients regularly work with us from Orlando, Miami, Tampa, Jacksonville, and the Space Coast, often through virtual meetings that make statewide service simple and personal.
Being locally rooted while serving all of Florida allows us to combine familiarity with accessibility. Clients know they’re workiing with real people who understand their environment and stay available long after a policy is in place.
Ready to Work With a Team That Puts You First?
People across Florida turn to Florida Life & Health Exchange when they want insurance guidance that feels honest, calm, and dependable. If you’re ready for answers without pressure, we’re here to help you take the next step with confidence.
