Keeton Benefits Agency  ·  Independent Insurance Emily@keetonbenefits.com · (727) 309-7258
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Keeton Benefits Agency Keeton Independent Insurance Agency, LLC
Independent. Local. Working for you.

When you call, I'm the one who answers.

I'm Emily Keeton, owner of Keeton Benefits Agency. I help Medicare beneficiaries, small businesses, and other individuals and families find coverage that best meets their needs. There is no call center and no handoff. You work with me, from the first conversation through every one thereafter.

Get in Touch Who I Help
🩺 Medicare Guidance 🏢 Small Business Benefits 👨‍👩‍👧 Individuals & Families
Emily Keeton — Keeton Benefits Agency
Emily Keeton, CEBS, SHRM-CP
How I can help

Coverage for Every Stage of Life

Because I'm independent, I'm not tied to one company. I'll listen to your story and what you need, gather quotes from several carriers, and walk you through what I'd recommend. Then you choose. My job is to support you.

🩺 Medicare
Products Advantage, Supplement & Part D
🏢 Small Business
Employee Benefits Group health, dental, vision & more
👨‍👩‍👧 Individuals
& Families Medical, life, disability & gap coverage

See full coverage details ↓

Built on Relationships, Not Transactions

I work one-on-one with the people I serve, focused on building a relationship with you and helping you choose coverage that best meets your needs, putting your interests first. If that sounds like what you've been looking for, I'd love to connect.

Let's Talk
Emily Keeton, CEBS, SHRM-CP
CEBS Certified Employee Benefit Specialist The CEBS is one of the most rigorous credentials in the benefits industry — it takes years of study across group benefits, retirement plans, HR, and compensation. When you work with a CEBS-designated agent, you're working with someone who knows the full picture of employee benefits, not just insurance products. For small business owners, that depth of knowledge means smarter recommendations and real strategic guidance. Learn more about CEBS → SHRM-CP SHRM Certified Professional The SHRM-CP is a nationally recognized HR certification from the Society for Human Resource Management. It means I understand how benefits fit into the broader picture of attracting, retaining, and supporting employees — not just as paperwork, but as part of how you take care of your people. For employers, this means I can help you think through your benefits strategy in a way that actually works for your people. Learn more about SHRM-CP → FL Licensed Agent Florida Licensed Insurance Agent I hold an active Florida 2-15 Health, Life & Annuity license, as well as a licensed agency registration. You can verify my credentials directly with the Florida Department of Financial Services at any time.

Individual License: W264733  |  Agency License: L135704 Verify license on FL Dept. of Financial Services → Independent What "Independent" Really Means Being independent means I'm not captive to any single insurance company — I don't have a quota to meet or a corporate playbook to follow. I'm contracted with multiple carriers, which means I can shop the market on your behalf and recommend what's right for your situation. My loyalty is to you, not to any one company. That's a meaningful difference.
About Emily

A Different Kind of Insurance Agent

I'm Emily Keeton, and I own and operate the Keeton Benefits Agency. I live in Middleton and work right here in my own neighborhood, The Villages, and the surrounding communities. Before I opened my own agency, I spent several years with independent insurance agencies in the Tampa Bay area.

For several years, I had the honor of working for Jack Fessler, founder of The Fessler Agency in Clearwater. He did life with his clients. He knew their names and the names of their husbands or wives and kids. And while he loved to tell you all about his lifetime worth of rich adventures, he cared more to know his clients' and employees' life stories. He built strong relationships with the many insurance carriers we represented, but his clients' needs came first – always. His loyalty was to them. If you talk to me long enough, you'll hear me say his name.

We lost Jack in 2021, and I moved to a larger insurance agency the following year for the growth opportunities it could offer. I was blessed with an excellent leader there as well (love you, Denise!), but working for Jack changed my life. I'm not him, but I would be honored to know and serve you as your insurance agent and (as I earn your trust) your friend.

I hold the Certified Employee Benefit Specialist (CEBS) designation and am a SHRM Certified Professional (SHRM-CP). Those come from years of focus on employee benefits and the decisions that come with them. I continue to serve small businesses and their employees, and I also now focus on helping Medicare beneficiaries and other individuals and families as well. My mom was my first Medicare beneficiary, and I'll care for you as I do her.

I will treat you like you matter, because you do.

Let's Connect
Close to home

Locally Based. Licensed Statewide.

I live and work in Middleton and serve clients in the neighborhood, throughout The Villages, and the surrounding communities. As a licensed independent agent in Florida with an active agency license, I help clients across the entire state of Florida. Whether you're approaching Medicare, turning 65 and still working, running a small business, or simply trying to find insurance products that meet your needs, I want to help you.

Wildwood  ·  Middleton  ·  Sumterville  ·  Eastport  ·  The Villages  ·  Leesburg  ·  Florida Panhandle  ·  Tampa Bay Area  ·  All of Florida

Let's Connect
Who I Serve

Do You See Yourself Here?

I work with Medicare beneficiaries, small businesses, and other individuals and families who want a real person to help them sort through their options. If that's you, you're in the right place.

🩺

Medicare Beneficiaries

Medicare-eligible individuals

Medicare has a lot of moving parts, and the questions start long before you even turn 65. Whether you're approaching Medicare, still working full-time at 65, or ready to enroll, I'll help you find the plan that best meets your needs for your doctors, prescriptions, and budget.

  • Medicare Advantage (Part C)
  • Medicare Supplement (Medigap)
  • Part D Prescription Drug Plans
  • Annual Plan Reviews
  • New-to-Medicare Guidance
  • Turning 65 & Still Working Guidance
  • Special Enrollment Period Help
🏢

Small Businesses

Typically 2–40 employees

I work with small employers who want to offer benefits and need help making sense of their options, without feeling like just another policy number.

  • Group medical insurance (5+ enrolled employees)
  • Group Dental & Vision
  • Group Life & Disability
  • Voluntary / Supplemental Benefits
  • ICHRA (Individual Coverage HRA)
  • Level-Funded Plans
  • Self-Funded Plan Consulting (case by case)
  • Open Enrollment Support
  • Yearlong guidance – I have your back.
👨‍👩‍👧

Other Individuals & Families

Life, disability & supplemental coverage

I help individuals and families step back and look at what they actually need, then find the products that solve a real problem or fill a gap. Much of this is life and supplemental coverage that protects your income and the people who count on you. I can also guide you through your medical options when you need that, but the focus here is the bigger picture of protecting your family.

  • Term, whole & permanent life insurance
  • Disability income (short & long term)
  • Long-term care insurance
  • Critical illness, cancer & hospital indemnity
  • Accident & gap coverage
  • Individual dental & vision
  • Annuities, when appropriate
  • Individual major medical guidance, when you need it
  • Additional coverages where needed (pet, telehealth, identity theft, and more)
Important Medicare Notice: We do not offer every plan available in your area. Currently, we represent a limited number of organizations which offer Medicare Advantage and Prescription Drug Plans. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
What to expect

Independent. Personal. Ongoing.

Here's what working with me looks like. It's the same whether you're new to Medicare, a business owner, or just trying to cover your family.

1

We talk first

Before anything else, I want to understand your situation. Your needs, your concerns, your budget, and what matters most to you. When you reach out, you reach me, not a call center.

2

I shop the market for you

Because I'm independent, I gather quotes from several trusted carriers and thoroughly compare them. I send you my recommendations.

3

You decide

I'll lay out your choices in plain language and answer every question. The decision is yours, and I'll make sure you feel clear about what you're choosing.

4

I stay with you

Enrolling is the beginning, not the end. I follow up to make sure you're happy, I'm here when questions come up, and every year I check that your plan still meets your needs.

FAQ

When I call, who answers?+
I do. When you call or text, you get me, not a call center and not a team you've never met. If I can't pick up right then, I'll call you back myself.
Does it cost anything to work with you?+
No. You don't pay me anything for my help, and you won't pay more for your plan by working with me than you would on your own.
Are you tied to one insurance company?+
No. I'm an independent agent, so I'm not locked into a single carrier. I gather quotes from several companies, look them over, and bring you the ones that best meet your needs.
It's just you. Do you have the resources of a bigger agency?+
It's me you'll always talk to, but I'm not doing this alone. I have additional team support behind me, so I have access to the same carriers and resources the larger agencies do.
Do we have to meet in person?+
Only if you'd like to. We can sit down together or handle everything by phone, whichever is easier for you. Either way, I'll take the time to understand your situation before I recommend anything.
I'm turning 65 but still working. Do I need to do anything yet?+
It's worth a conversation. There are a few things to think through when you reach 65 and you're still on an employer's plan, and the right move depends on your situation. Reach out and we'll work through it together.
What happens after I enroll?+
I stay with you. I follow up to make sure you're happy, I'm the one you reach when a question or a problem comes up, and I check back regularly to make sure your plan still meets your needs as life changes.
Let's Connect

Let's Talk

Whether you're just starting to look at your options or are trying to secure coverage, I am here to help.

Reach Out Anytime

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Serving all who call the great state of Florida home
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(727) 309-7258
✉️
Emily@keetonbenefits.com
🌐
www.keetonbenefits.com
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Mon – Fri, 9am – 5pm EST
Evening & weekend appointments available
Not sure what you need? That's exactly why I'm here. Fill out the form and I'll reach out — no jargon, no pressure, just a helpful conversation.
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