Insurance, done right.
For every American family.
Swan is a modern brokerage that treats coverage like it matters — because it does. We use today's tools and yesterday's values to give every household the honest math, real network checks, and life-of-the-policy follow-through they deserve.
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We started Swan in Lakeland in 2022 because the old way wasn't working. Today we're headquartered in Clermont, Florida — still serving our local community, now also serving families across all 50 states. The industry treats people like a transaction. We treat them like neighbors. Same standard for everyone — with a special place in our hearts for the people who serve.
Coverage for everyone. Built with a soft spot for the rest.
We work with families from every walk of life. We hold a special place in our hearts for those who spend their lives serving the rest of us.
Veterans & Active Duty
First Responders
Educators & Staff
Government Workers
Healthcare Workers
Everyone in between
Three pillars. One relationship.
The same advisor walks beside you across every life stage. From the family health plan in your thirties, to the Medicare decision at sixty-five, to the legacy you leave behind. One firm. One person who knows your name.
Health Insurance
Marketplace plans when subsidies apply. Private coverage when it serves you better. We pull every plan you qualify for, verify your doctors are actually in-network, and tell you which one fits.
- ACA Marketplace plans
- Private health coverage
- UHC, BCBS, Cigna, Ambetter
- Year-round enrollment
Medicare Counsel
The decision at sixty-five compounds for the rest of your life. We walk every client through every plan in their zip code, side by side, ranked against your actual doctors.
- Medicare Advantage
- Medicare Supplement
- Part D drug plans
- Humana, UHC, HealthSpring
Life & Annuity
Term protects a young family. IUL builds tax-advantaged wealth. An annuity secures retirement income. We start with the math — not the commission.
- Term & whole life
- Indexed Universal Life
- Final expense coverage
- Mutual of Omaha, Transamerica
From first call to full coverage — in four steps.
Modern process. Honest math. Real follow-through. The whole thing is built so you understand exactly what you're buying and why — before you sign anything.
Send us your last EOB
Before we recommend anything, we ask for your most recent Explanation of Benefits and a short note about the doctors and prescriptions that matter to you. Three minutes on your side. It saves us both an hour of guessing — and it changes everything.
We build your comparison sheet
Every plan you qualify for — Marketplace, private, group, Medicare — laid out side by side on one page. Real network coverage for the doctors you actually see. Real formulary coverage for the medications you actually take. Honest out-of-pocket projections — not marketing premiums.
An 18-minute conversation
In person at our Clermont office, by phone, or by video — your call. We walk you through the comparison. We give you our recommendation and the reasoning behind it. We answer every question. Then you make the final call.
We stay your advisor
Claim denied? Doctor leaves network? Premium hike at renewal? You call our office — the same office that placed your coverage. We check in at month six. We review at every renewal. The relationship doesn't end at enrollment. It starts there.
Six things we do differently — on purpose.
Every brokerage says they put clients first. We can only tell you the specific things we actually do — in writing, in specifics, in the daily mechanics of how a Swan client experiences us.
We read your last EOB first.
Most brokers recommend plans after a five-minute call and a quote engine. We start with what your current coverage actually paid, denied, and cost you. The right plan reveals itself when you start there.
We verify your doctors against the plan.
"In-network" is one of the most frequently incorrect labels in American healthcare. Before we recommend anything, we confirm your specific providers and prescriptions are actually covered.
We fight your claims when they get denied.
Roughly one in eight claims gets denied on first pass. Most clients give up — the appeals process is intentionally exhausting. We handle the appeal. We work the carrier relationships. We go to the mat when we should.
We call you in May to ask how it's going.
Six months after enrollment, every Swan client gets a call from the advisor who placed them. Not marketing. Not an upsell. If something isn't working, there's still time to fix it.
We refuse the easy sale.
When sticking with your current plan is right, we say so. When term is the answer and not whole life, we recommend term. When the Marketplace beats the private alternative, we tell you. Our job is to advise — not to sell.
We're real people. One office. One number.
The phone rings at 917 S Hwy 27 in Clermont, and the person who answers is the same person on your account. No call centers. No phone trees. That's how we were founded. It's how we plan to operate forever.
Owner-operated. On the floor every day.
Five leaders. All working in the business. All reachable. When you call our office, you'll reach a real person — and sometimes that real person is one of these.
Ricardo Verduzco
Founder & Chief Executive
Founded Swan in 2022 to build the brokerage he wished existed when he started in this industry. Personally oversees every carrier partnership and every standard the firm holds itself to.
Miriam Verduzco
Executive Director, Swan Cares
Leads the Swan Cares Foundation — the philanthropic arm of the firm that channels resources back into the communities Swan serves. Builds the bridge between the business and the families behind it.
Adam Gross
Chief Financial Officer
CPA with a deep operating background as a Property & Casualty agency principal. Brings the financial rigor of a multi-line insurance operator to Swan's growth, compliance, and the long view.
Tony Futch
VP of Sales
U.S. military veteran. Leads Swan's producer team and the daily standards on the sales floor. Brings the discipline of service to how the firm runs — structured, accountable, built on follow-through.
Spencer Futch
Chief Operations Officer
Runs the operational engine of Swan — client services, carrier contracting, back-office systems, and the infrastructure that lets every advisor focus on the household in front of them.
Are you a licensed agent?
Swan is hiring producers across health, Medicare, and life. Day-one book ownership. Lead programs or build your own — your choice. Comp right-fit to you. The full picture is on our agents page.
See what Swan offers your book.
The two paths. The carrier roster. The leadership team. The right-fit conversation. Everything is laid out on our dedicated agents page — built for licensed producers.
Visit our agents pageThe full list of who we represent.
Twenty-plus carriers across three pillars. No favorites. No carrier owns our recommendation. The household across the table does.
Health Insurance
- UnitedHealthcare Marketplace & private
- UnitedHealthOne Private
- Manhattan Life Private
- Allstate Private
- Ambetter Marketplace
- AvMed Marketplace
- Blue Cross Blue Shield 5 states
- Cigna Marketplace
- Molina Marketplace
Medicare
- Humana
- UnitedHealthcare
- HealthSpring
- Freedom
- Optimum
- Devoted
Life & Annuity
- Mutual of Omaha
- Transamerica
- National Life Group
- Corebridge
- Ethos
- F&G
- Foresters
Let's talk.
Whether you're shopping coverage, comparing Medicare options, or just trying to understand your choices — we're here. No call centers. No automation. The advisor who answers is the advisor on your account.
Clermont, FL 34715
Tell us your situation.
A licensed advisor will be in touch within one business day. No automation, no pressure — an honest conversation about what's right for your family.