Insurance guidance that starts with listening
Explore Medicare, health, life and annuity options with warm, independent guidance built around your questions.
How can we help you?
Which coverage are you thinking about?
Credentials held by Luis Tornes Jr., owner of LTDT Insurance. Read our disclosures..
Guidance for your family, wherever you are in Florida
LTDT Insurance is an independent insurance agency in Ft. Myers, owned by Luis Tornes Jr., CMIP®. We help people all over Florida make sense of Medicare, health coverage, life insurance and annuities.
Many people come to us thinking about the family they love and what they want to leave behind. We start with your questions, explain the choices in plain English or Spanish, and let you decide at your own pace.
Three simple steps, at your pace
No pressure and no jargon. Just a clear conversation about what matters to you.
Book a time
Choose a time that suits you on our booking calendar, or send Luis an email first.
Talk it through
Luis listens first, then explains your options, costs and tradeoffs in plain language.
Decide with confidence
Take the time you need. When life changes, like turning 65, moving or a new plan year, you know who to ask.
Independent guidance from Ft. Myers, for all of Florida
Luis Tornes Jr., CMIP®, is the owner of LTDT Insurance and an independent licensed insurance agent. He has worked in insurance since 2013.
Start with the question on your mind
Every card opens a plain-language guide. Nothing to fill in, nothing to sign.
When should I sign up for Medicare?
What do Medicare Parts A and B cover?
Medicare Advantage or a Medicare Supplement?
Will my prescriptions be covered?
What happens if I sign up for Medicare late?
What does a Medicare Supplement help pay?
Do Medicare Advantage plans use networks?
When can I change my Medicare coverage?
Can I buy my own health insurance?
When is Marketplace Open Enrollment?
How much life insurance do I need?
What is final expense insurance?
Explore your options
Plain-language guides to the coverage we help with. None of them asks you for anything.
Medicare & Turning 65 checklists
Printable PDF checklists you can fill in and bring to your call with Luis. Available in English and Spanish.
MedicareFree PDF checklistMedicare basics
Parts A and B, and what they leave for you to pay.
MedicareFree PDF checklistTurning 65
Your seven-month window, and what to do in it.
MedicareMedicare Advantage
Part C in plain words, networks included.
MedicareMedicare Supplement
Medigap and the one-time window to buy it.
MedicarePart D
Prescription drug coverage, explained simply.
HealthHealth insurance
Coverage for you and your family before 65.
HealthACA FormACA Marketplace
Open Enrollment dates and savings based on income.
HealthDental & vision
Checkups, cleanings, eye exams and glasses.
LifeLife insurance
Term, whole life and the DIME calculator.
RetirementAnnuities
Turning savings into income you can plan around.
HealthSupplemental coverage
Accident, critical illness and hospital coverage.
Prefer email first? Tell us what's on your mind.
Send a quick note and Luis will reply personally. Nothing here signs you up for anything — you decide what happens next.
Questions people ask us
Let's talk about what matters to you
Pick a time that works for you. Luis will listen first and explain your options clearly.