Licensed in Florida
Protect What Matters.
Plan For What's Next.
Life insurance can be confusing. I make the process simple, personal, and completely virtual.
Ricky Binet
Licensed Life Insurance Agent
Florida License #W664346
NPN #19591092
Licensed professional
Florida license and NPN you can verify yourself in under a minute.
Fully virtual
Everything happens over a video call or phone — no office visits.
No pressure
Education first. You decide what fits your situation and budget.
What I help with
Understanding options, evaluating needs, reviewing available solutions.
Every household is different, so no single product is right for everyone. Here are the areas people most often ask me about.
Term Life Insurance
Coverage for a set period of years. Often used while raising a family, paying off a home, or replacing working income.
Mortgage Protection
Life coverage arranged with your mortgage in mind, so your household has options if income stops unexpectedly.
Final Expense
Smaller policies designed to help families handle funeral and end-of-life costs without scrambling.
Permanent Life Insurance
Coverage built to last beyond a fixed term, with features that vary by carrier and policy design.
Indexed Universal Life (IUL)
A form of permanent life insurance with flexible premiums and index-linked crediting. Details, costs, and limitations vary widely.
Annuities
Insurance contracts some people use when thinking about long-term income planning. Terms differ significantly by product.
How it works
Three simple steps.
Request Information
Tell me a little about what you're looking for. No pressure, no obligation.
Virtual Conversation
Meet with me virtually to discuss your goals, needs, budget, and the options available to you.
Review Your Options
Review available solutions together and decide what fits your individual situation.
Digital business card
Everything you need to reach me, in one place.
Call, text, email, book a time, or save my contact details to your phone. Share the QR code and anyone can do the same.
Scan to open my card
Points to /card — the destination updates automatically with your website address.
Digital business card
Ricky Binet
Licensed Life Insurance Agent
Independent verification
Verify My License
Want to verify my license? You can search my information directly through the official state insurance regulator. Verification happens on the state's own website — not here.
Florida
Ricky Binet
- License #
- W664346
- NPN
- 19591092
Paste the license number into the FL License # field and click Search. Your license number is copied to your clipboard when you tap the button.
Request information
Tell me what you're looking for.
Share a few details and I'll follow up personally. This is not an application, and there's no obligation.
Already have coverage?
Insurance shouldn't be something you forget about after the policy is issued.
I'm here to help you stay connected to your coverage and make sure you know where to go when questions come up.