Who We Are
Over 30 Years of Helping Families Find the Right Coverage.
We know health insurance can be complicated, but with over three decades of experience, we simplify it for you. Routt Insurance is here to demystify the process, explaining the options in clear, understandable terms, and helping you navigate all the nuances of health insurance plans, so you can make informed decisions with confidence.
BBB Accredited. A+ Rated. Trusted Since 1992.
Routt Insurance LLC is proud to be a BBB Accredited Business with an A+ rating. For more than 34 years, Robert Routt has helped individuals, families, Medicare beneficiaries, and small businesses understand their insurance options with clear, honest guidance.
We assist with Health Insurance, Medicare Advantage, Medicare Supplements, Part D Prescription Drug Plans, Dental Insurance, Life Insurance, Final Expense, Annuities, and Small Business Insurance Solutions.
When you work with Routt Insurance LLC, you are working with a licensed, local agency committed to trust, transparency, and service.
How we help
Insurance Made Easy
With a wide range of health, dental, life, and Medicare insurance options, Routt Insurance is committed to helping you find the perfect plan for you and your family. We take the time to understand your needs and explain your options in plain English—no jargon, no surprises.
Expert Guidance
With over 30 years of experience, we bring a wealth of knowledge to every conversation. We’re here to help you understand your options and choose the best plan for your needs.
Personalized Plans
We take the time to get to know you and understand your unique situation. Every plan we recommend is tailored specifically to you.
No Pressure, No Obligation
We believe in building relationships, not making a sale. Our consultations are always free, and there’s never any pressure to make a decision.
Honesty and Integrity
We’re here to provide straightforward advice and honest recommendations. You can trust us to put your needs first.
News & Resources
From our desks to yours.
National Senior Fraud Awareness Day: Staying Protected From Scams
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Understanding Term Life Insurance: A Simple Guide to Protecting Your Loved Ones
Life changes quickly — new jobs, growing families, mortgages, and shifting financial priorities. Lately, many people have been rethinking their life insurance needs or exploring coverage for the...
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Life Insurance And Financial Literacy Essentials
Quick Summary: Understanding how life insurance fits into your financial plan can give you more confidence and control. During Financial Literacy Month, it’s a great time to review how your policy...
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Understanding Guaranteed Insurability Riders
Life insurance needs can change significantly over time, and a policy that fits your situation today may require adjustments later. As you take on new responsibilities like a larger home, children,...
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Understanding Accelerated Death Benefit Riders
Accelerated death benefit riders give policyholders access to a portion of their life insurance payout while they’re still living, offering important financial relief during a serious illness. As...
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Heart Health Myths Debunked: Key Insights for American Heart Month
February marks American Heart Month, a dedicated time to spotlight the vital organ that powers our entire body: the heart. While heart disease continues to be the leading cause of death in the...
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Understanding Term Life Insurance: A Guide
Life’s changes, such as buying a home or welcoming a child, often bring a fresh perspective to our financial priorities. If you're exploring life insurance for the first time or considering...
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🚨 Critical Policy Update: Enhanced Health Insurance Tax Credits at Risk
Big changes may be coming that could directly impact the affordability of health insurance for millions of Americans.What just happened Last week, the U.S. House of Representatives passed a bill to...
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Why There Are So Many Health Insurance Plans — and How to Choose the Right One
Why There Are So Many Health Insurance Plans — and How to Choose the Right OneConfused by health insurance plans in Florida? Learn why there are so many options and how Clearwater residents can...
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Wellness Tips for a Healthy Holiday Season
The holiday season is upon us, bringing joy, celebrations, and, often, a little chaos. Amid the festivities, it’s easy to let our wellness routines slip. But taking care of yourself doesn’t have to...
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Is Your Life Insurance Still Right for You?
As the year draws to a close, it's natural to reflect on the past months and anticipate new beginnings. The holiday season, coupled with the open enrollment period, provides the perfect opportunity...
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ACA Open Enrollment: Key Dates to Secure Your Coverage
The Importance of Health CoverageHealth coverage is a fundamental component of financial stability and peace of mind. The ACA Open Enrollment period provides a crucial opportunity for individuals...
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Spooky Facts About Life Insurance Gaps
As the Shadows Grow Longer: The Underinsured EpidemicBeneath the surface of your policy lies a chilling reality: over 102 million Americans are either completely without life insurance or woefully...
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Act Now to Maximize Health and Financial Benefits
As the end of the year rapidly approaches, many of us find ourselves entangled in the holiday rush, often leaving crucial health and financial benefits unattended. It's understandable to feel...
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ACA Open Enrollment: Key FAQs for Better Health Coverage
Your Opportunity for Better Health Coverage Starts NowThe whirlwind of ACA Open Enrollment is upon us, and while it might seem a tad overwhelming at first glance, consider this: it's an empowering...
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Social Security Fairness Act: A New Era for Retirees!
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Medicare's AEP: 5 Key FAQs Answered
Understanding the Medicare Annual Enrollment PeriodMedicare’s Annual Enrollment Period (AEP) is an essential event that takes place every year from October 15 to December 7. This is your limited...
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What Is Life Insurance, Really?
Understanding Life Insurance: Simplifying the ComplexFor many, the world of life insurance can feel like navigating through a maze. You're not alone if you feel this way. In fact, the 2024 J.D....
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Preparing for Medicare Open Enrollment with Confidence
Make Medicare Choices with ConfidenceMedicare Open Enrollment, running from October 15 to December 7, doesn't have to be daunting. Instead, it’s an opportunity to reassess and align your choices...
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Key Steps for Your Medicare ANOC Review
Understanding Your Annual Notice of Change (ANOC)Medicare Open Enrollment can feel overwhelming, but addressing your Annual Notice of Change (ANOC) is a practical way to simplify the process. The...
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Understanding Grandparent Contributions Under the New FAFSA
In a significant shift to federal student aid policy, the FAFSA Simplification Act has changed how financial contributions from grandparents and other relatives affect a student's eligibility for...
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ABA Therapy & Marketplace Health Insurance: What You Need to Know
ABA Therapy & Marketplace Health Insurance: What You Need to KnowApplied Behavior Analysis (ABA) is a cornerstone therapy for children with autism, helping them gain critical skills in...
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The Psychology Behind Underinsurance: Insights & Solutions
Does this sound familiar? You’ve been meaning to get life insurance, but somehow it never becomes a top priority. You're not alone. Many people share this hesitation, and it’s not just about...
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The Psychology Behind Underinsurance
Why Is It So Hard to Purchase Life Insurance?Have you ever thought about getting life insurance, only to find yourself delaying the decision? Perhaps you've felt a sense of urgency but just couldn...
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Affordability: Factors to Consider When Comparing College Costs
Families often assume that private colleges are out of reach because of their higher "sticker price." But what students actually pay, known as the net price, is usually far less than the published...
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ACA Changes for 2026: What You Need to Know Before Open Enrollment
ACA Changes for 2026: Florida Marketplace Health Insurance Updates You Need to Know If you live in Florida and get your health insurance through the Affordable Care Act (ACA) Marketplace, major...
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Essential Travel Insurance Tips for a Stress-Free Summer
Getting Ready for Summer AdventuresSummer is just around the corner, and the anticipation of sunny getaways, beach days, and new explorations is electric. But while you're packing your bags and...
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National Eye Exam Month: Why August is Key for Eye Health
August is National Eye Exam Month August, known as National Eye Exam Month, is the perfect time to prioritize eye health. While many consider eye exams as mere prescription updates, they are...
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Social Security Fairness Act: A Breakthrough for Retirees
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Life Insurance vs. Accidental Death Insurance: Key Differences
The Importance of Financial ProtectionFinancial planning is vital to ensure the security of your loved ones, especially in uncertain times. Many people find themselves confused when it comes to...
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Social Security Fairness Act: What You Need to Know
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Your Life Online: Navigating Cyber Risks and Protection
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The Hidden Benefits of Life Insurance You Haven't Considered
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Skin Cancer Screenings: Medicare Coverage Explained
With summer approaching, many people anticipate more time outdoors, enjoying the sun. However, this increased sun exposure also raises concerns about skin cancer, a particular worry for those over...
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Understanding the Psychology Behind Underinsurance
Life is busy, and amid all the chaos, it’s easy to tell ourselves, “I’ll get to it later.” This mentality is especially common when it comes to purchasing life insurance. If you’ve ever caught...
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Understanding Life Insurance vs. Accidental Death Insurance
The Importance of Financial PlanningIn today's unpredictable world, securing financial protection is essential to safeguard your loved ones' future. This often involves evaluating insurance options...
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Prioritize Your Vision: Celebrate National Eye Exam Month
👁️ Protect Your Vision This AugustCelebrate National Eye Exam Month by Putting Your Eye Health FirstAugust is National Eye Exam Month—an ideal reminder to schedule that eye checkup you’ve been...
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Determining the Right Amount of Life Insurance
The Importance of Life Insurance Life insurance is a vital component of a robust financial plan. It acts as a safety net, ensuring that your loved ones are financially secure should anything...
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Key Benefits of Term Life Insurance for Your Family
Term life insurance stands as a reliable pillar for financial planning, offering unparalleled peace of mind to policyholders. It serves a primary role in ensuring that your family remains...
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Social Security Fairness Act: Financial Relief for Retirees
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Navigating Cyber Risks in the Digital Age
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Boosting Business Success with Ancillary Benefits
The Hidden Strength of EmployeesImagine a world where employees feel genuinely valued and cared for beyond their primary health coverage. It's no secret that satisfied and content employees are the...
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Life Insurance Trends Shaping 2025
The year 2025 presents a pivotal opportunity for individuals to reassess their life insurance needs. As the cornerstone of financial security, life insurance offers protection and peace of mind for...
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Exploring Vision Insurance for Healthy Vision Month
May is Healthy Vision Month, the perfect time to consider the essential role that eye care plays in your overall health and daily life. Vision insurance is a crucial component in making eye care...
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Stay Ahead of Scams: National Senior Fraud Awareness Day
Staying Informed to Protect SeniorsMarked on May 15, National Senior Fraud Awareness Day serves as a crucial reminder to stay vigilant against the evolving threats of scams targeting our elder...
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National Life Insurance Day: 5 Key Facts You Need to Know
Understanding the Importance of Life InsuranceMay 2 marks National Life Insurance Day, a perfect reminder to consider the critical role life insurance plays in our lives. Whether you already have...
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Boost Your Financial Health with Life Insurance
April is Financial Literacy Month, a dedicated time to focus on improving our understanding of personal finance tools that promote financial stability and growth. Amidst discussions on budgeting,...
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Spring Clean Your Finances: Revamp Your Life Insurance
Spring is a time for renewal and rejuvenation. While many of us think of spring cleaning as an opportunity to tidy up our homes, it's equally important to refresh our financial lives. Among the...
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Does General Liability Cover 1099 Workers?
Understanding Liability Risks with Independent ContractorsWorking with independent contractors is a common practice for many businesses. However, understanding the liability risks associated with...
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5 Key Facts for National Life Insurance Day
National Life Insurance Day on May 2 serves as a crucial opportunity for individuals to reflect on the importance of life insurance. Whether you already have coverage or are contemplating it,...
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Maximize Your Insurance-Based Tax Breaks
Many individuals overlook valuable insurance-based tax deductions that could enhance their financial well-being, especially during tax season. By understanding these deductions, you can achieve...
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Heart Health Tips for American Heart Month
February is American Heart Month, a time dedicated to raising awareness about heart health and inspiring us to take steps toward a healthier lifestyle. As we age, maintaining heart health can...
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Transform Your Heart Health This February
February is American Heart Month: Take Charge of Your Heart HealthEvery February, we have the opportunity to put our hearts in the spotlight with American Heart Month. It's a time to recognize the...
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Strengthening Business Resilience with Key Insurance Plans
In today's unpredictable business environment, resilience is not just a buzzword but a necessity for survival and growth. Strategic planning, coupled with robust insurance solutions, plays a...
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Why Term Life Insurance is a Smart Choice
Planning for the future is essential, and when it comes to ensuring your family's financial security, term life insurance offers peace of mind. This straightforward and cost-effective solution...
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Securing Business Resilience with Insurance Strategies
In today’s unpredictable business environment, ensuring continuity and resilience has never been more critical. Strategic planning and comprehensive insurance solutions play a pivotal role in...
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Life Insurance Trends Shaping 2025
Welcome to 2025, a pivotal year for those considering their life insurance needs. As life continues to change for many—whether it's buying a new home or experiencing family changes—it's an ideal...
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Unlock Tax Savings with Insurance Deductions
Many individuals often overlook valuable insurance-based tax deductions, which can lead to significant savings and improved financial health, especially during tax season. Understanding that both...
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Enhancing Construction Safety on National Safety Day
March 4: A Day to Prioritize Construction Workplace SafetyMarch 4 marks National Safety Day, a perfect opportunity for the construction industry to emphasize the paramount importance of workplace...
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Understanding Hearing Care Coverage During Awareness Week
Hearing Awareness Week: Why It MattersEach year, March 1-7 marks Hearing Awareness Week, a time to highlight the importance of hearing health. Hearing loss can often go neglected in the broader...
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Avoid Small Business Audits with Smart Practices
Understanding Your Audit AnxietyFor many small business owners, the word 'audit' triggers a wave of anxiety. The stress of potential scrutiny from the IRS is not only daunting but often avoidable...
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Why Choose Term Life Insurance for Your Family
Term life insurance is a straightforward solution that offers peace of mind, knowing your family will be financially protected in the event of your passing. This blog post highlights the key...
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Unlimited PTO: Key Insights for Employers
In today’s evolving workplace, unlimited PTO (Paid Time Off) stands out as a revolutionary approach to employee leave policies. This benefit reflects a progressive shift towards fostering trust and...
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Life Insurance Trends and Insights for 2025
As we enter 2025, understanding life insurance trends is crucial for making informed decisions about protecting your family and securing your financial future. By keeping updated with the latest...
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Understanding the Social Security Fairness Act
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Boost Your Retirement with After-Tax 401(k) Contributions
As you plan for a financially secure retirement, understanding all your savings options can significantly impact your future. One valuable yet often overlooked tool is the after-tax 401(k)...
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Understanding the Impact of the Social Security Fairness Act
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Understanding the Benefits of Term Life Insurance
When it comes to ensuring the financial well-being of your loved ones after you’re gone, term life insurance emerges as a straightforward and effective solution. It provides peace of mind by...
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Exploring the Benefits of Term Life Insurance
Term life insurance offers a straightforward and cost-effective method of securing financial peace of mind. It’s essentially a promise that, should anything happen to you, your family will stay...
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Exploring Tax Perks of Homeownership Simplified
Beyond the pride of owning a home, there are significant financial benefits that come with it, especially during tax season. Navigating these perks doesn't have to be daunting, even with the...
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Planning Ahead: Life Insurance and Long-Term Care
As the cost of long-term care rises, thoughtful planning becomes increasingly crucial. Today, the average cost of a home health aide exceeds $6,000 per month and is projected to surpass $7,000 by...
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Enhancing Workplace Wellness with Vision Insurance
Why Eye Wellness Matters in the WorkplaceIn our increasingly digital world, eye strain has become an almost ubiquitous workplace issue. Many employees spend hours a day staring at screens, leading...
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Simplifying Annuity Choices: Finding the Right Fit
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Key Advantages of Term Life Insurance
Life is full of uncertainties, and ensuring the financial security of your loved ones is a priority shared by many. Term life insurance emerges as a straightforward, cost-effective solution that...
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Kickstart Your 2025 with a Comprehensive Health Reset
The dawn of a new year is the perfect time to hit the refresh button on your health. In 2025, let's embrace the opportunity to focus on the holistic aspects of our well-being: physical, mental,...
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Kickstart 2025: Your Holistic Health Checklist
The New Year is a perfect opportunity to reset and refocus on your health. It's important to remember that health isn't just about physical well-being; it encompasses mental, financial, and...
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Kickstart 2025 with Your Complete New Year Health Checklist
The New Year is a fresh start—a chance for us to reset and refocus on our health. Health is multidimensional, encompassing physical, mental, financial, and emotional aspects. This guide offers...
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Understanding 1031 Tax Exchanges for Real Estate Growth
Unlocking the Potential of 1031 Tax ExchangesFor those with an interest in real estate investing, the 1031 tax exchange is an invaluable tool to consider. Whether you're planning to sell or acquire...
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2025 Life Insurance Trends: Key Updates & Insights
As we step into 2025, understanding life insurance trends becomes essential for making informed decisions about protecting our families and securing our financial futures. Updated statistics play a...
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🦷 Understanding Dental Insurance: Why It Matters 🦷
🦷 Understanding Dental Insurance: Why It Matters 🦷 Dental insurance is more than just a policy—it's a vital part of maintaining your overall health and well-being. Regular dental check-ups and...
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Exploring Life Insurance Trends in 2025
As we step into 2025, understanding life insurance trends becomes increasingly vital. With life insurance playing a crucial role in safeguarding families and securing financial futures, updated...
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Understanding Open Enrollment: Secure Your Health Insurance Coverage Before January 15th
Health insurance is an essential aspect of ensuring your well-being, providing financial security and access to necessary healthcare services. However, navigating the process of obtaining health...
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Understanding the Importance of Life Insurance: A Vital Financial Safety Net
Life insurance is one of those topics that many people know they need to think about, but often delay dealing with until it feels absolutely necessary. However, understanding the importance of life...
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The Critical Role of Routine Eye Exams in Overall Health
Hello everyone, I hope you’re doing well this week. As we all navigate the busy rhythms of our daily lives, taking care of ourselves and our loved ones often tops our list of priorities....
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Understanding the Impact of Annuities in 2024: What You Need to Know
In 2024, annuities continue to be a significant financial product offering for individuals seeking to secure their financial future, especially in retirement planning. An annuity is essentially a...
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Exploring Health Insurance Options Beyond Open Enrollment: Your Guide to Special Enrollment Periods
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Best of 2026
(BusinessRate Benchmark)
- Category: Health Insurance Agency
- Location: Clearwater, FL
- Basis: 100% Verified Google Customer Reviews
- Expertise: 30+ Years of Independent Guidance
- Specialty: Medicare, ACA Marketplace, Life, Dental & Vision Insurance
- Service: Personalized, Jargon-Free Consultations
A Sincere Thank You to Our Clients: This recognition belongs to you. We are incredibly grateful for the trust you place in Routt Insurance every day. Your honest feedback and support are the reason we've been able to serve the Clearwater community for over 3 decades. Thank you for making us the best! Thanks
