Tom has worked for Murray Insurance Agency for over 22 years as a licensed health, life, and variable annuity agent. Tom is a blue diamond agent with Florida Blue and FHCP and is certified by CMS as a Medicare specialist. He has considerable insurance experience with group, individual and family, medicare products, dental and ancillary accident, and hospital and critical insurance. Tom believes that life insurance is just as important as health insurance to the family’s income should one or both parents lose their lives. Tom can explain how life insurance can be used to create tax-free retirement income, disability income, and long-term care insurance benefits.