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We Insure Everything

Rely on an independent insurance agency you can trust.

We Insure Everything began with the goal of meeting the unique insurance needs of today’s world. Whether you’re looking to protect yourself, your family, or your business, we are dedicated to being your guide along your insurance journey. Through top-quality service, we have helped clients nationwide and look forward to helping you next. Join our family today to get on your way to protection and peace of mind!

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Meet Mikell Simmons

Agency Owner, Principal

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Our Name Says It All

Whether you are looking for personal insurance, business insurance, or employee benefits, We Insure Everything is here to help.

Personal Insurance
Business Insurance
Employee Benefits

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Customized Coverage

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Our Insurance Specialties
  Personal
  Business
  Life
  Health
  Group Health
  International Travel

What Makes Our Independent Agency Different?

We represent multiple insurance companies.

We are licensed insurance advisors.

We are by your side every step of the way.

We offer a wide variety of insurance solutions.

We are there for you in your time of need.

Our Clients Trust Us

“Mickell is a very dedicated person, he took the time to look for the best options that would suit my needs and my budget and went through the details and the language of the policy to make it easier for me to understand.”

– Ines B.
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Insuring Florida and Beyond

With offices in Miami, FL, and Fort Lauderdale, FL, we are proud to serve clients locally and beyond, including Florida, New Jersey, New York, and Texas.

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Benefits Administration Solutions

Ready to streamline your benefits administration? We offer unique tools for your specific needs.

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Insurance Agency Solutions

If you’re an insurance agency, we offer AgentPro!, an app that allows you to convert more sales in three simple steps.

“Best company to work with when it comes to figuring out insurance! I was able to save around 40% on my existing medical plan and was able to get a really cool app that makes it easy to switch or change things.”

– Francisco B.
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Get a glimpse of the risks you face and how your insurance can protect what matters most.

Life
Providing for Your Family
Risk Factor

Raising a child can be a rewarding life experience, but it is also very expensive. It costs hundreds of thousands of dollars to raise a child to age 18, with college tuition, fees, room, and board resulting in another potentially enormous expense. If you were to die tomorrow, would funds be available to provide for food, clothing, day care, and educational expenses for your child?

Solution

Having life insurance could secure the future for your children if you have an untimely death. With a life insurance policy, there could be enough income to help pay for everything your child might need while growing up.

Mortgage Payments
Risk Factor

After your death, any outstanding debt and financial obligations do not disappear. Your home is probably the costliest and most significant property you own. A mortgage payment is a large burden for a spouse or partner to carry.

Solution

A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on the home.

Auto Payments
Risk Factor

Many families lease or finance their automobiles these days. If the primary earner in the family were to die, the family could be left with outstanding car payments for years to come.

Solution

A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on your car(s).

Funeral Costs
Risk Factor

An average funeral can cost tens of thousands of dollars, and that's without unnecessary options or luxurious services. A death in the family is stressful enough; why add the hefty bill of a funeral to that stress?

Solution

A life insurance policy can easily cover the cost of a funeral. Your family will be able to think of you and have peace of mind without being burdened by funeral costs.

Protecting Your Retirement Savings
Risk Factor

Once you retire, you will be living off social security, and if you are lucky to have them, a pension or retirement fund, too. But what if the surviving spouse has been relying on you to fund retirement for the couple? Premature death of an earner can affect sources of retirement benefits such as Social Security.

Solution

Life insurance can help support a surviving spouse during their retirement.

Protecting Your Small Business
Risk Factor

If you passed away, would your business suffer? There are many complications and financial issues that can arise due to the death of a business owner. Many people overlook this predicament.

Solution

A life insurance policy can keep a business moving along even during tough times, such as the loss of the business owner/partner. Key person life insurance is payable to the company and provides money for training and hiring of a new employee. A buy-sell agreement, funded by life insurance, allows the other partners in the business to buy the deceased’s share of the business, which will provide money for his or her family.

Spousal Support / Income Replacement
Risk Factor

Many people mistakenly think that they don’t need life insurance if they don’t have children or if their children are grown. However, your financial responsibilities fall to your family when you are gone.

Solution

Life insurance can replace the income you would usually bring in and help support your spouse or adult children, ensuring your loved ones are able to maintain the lifestyle they're accustomed to.

Life Insurance 101

Make sure you cover the unique risks you face with life insurance.

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