NPN
18181266
find it by name on NIPR
Zach
Bradford
I don't work for the insurance companies. I work for you. I've been licensed since November 2016 and with Best Insurance Group since September 2021. I help families in 8 states work out which health and life coverage fits what they can actually pay.
Both dates are checkable. My Florida license is W347851, and you can look it up on the Florida Department of Financial Services licensee search. My NPN is 18181266, and NIPR’s lookup matches my name to it.
Why I Became Your Guide
Like most people, I once thought health insurance was just a monthly bill you paid and hoped to never use. That changed in 2016 when a close friend's wife was diagnosed with aggressive cancer at 32.
Their "affordable" plan became a nightmare: $8,000 deductibles, denied specialists, and mounting debt. Watching them choose between their home and her care changed me forever.
"Every family deserves to sleep soundly. My job is to make the coverage understandable, and to be straight with you about what it does and doesn't cover."
I realized insurance isn't about premiums. It's about sleep. It's knowing that if the worst happens, the money is there. I became the advocate I wish they'd had: someone who reads the fine print so you don't have to.
Best Insurance Group
I'm a self-employed independent contractor with Best Insurance Group. Here's what that does and doesn't mean for you.
Which plans I can sell you
Any plan from a private health, life, or supplemental insurance company I'm appointed with. Appointed means that company has contracted me to sell its plans, and I hold those contracts through Best Insurance Group, the agency I contract under. You still deal with me, not with them. Marketplace plans work differently: there's no appointment involved, so I help you enroll instead, through healthcare.gov or HealthSherpa, in FL, MI, NC, AZ, TX, IN, and SC; in Georgia, you enroll yourself at Georgia Access.
Who you actually deal with
Me. The call, the application, and the follow-up if a claim goes sideways. You won't get handed off to a call center, and the advice you get is mine.
What to expect from me.
I'm one licensed broker, and you'll deal with me start to finish.
What I tell you on the phone is what you're reading here.
Staying put is an option
no is a real answer
If the plan you already have is the better one, I'll tell you so and you'll keep it. I'd rather say that than move you into something you didn't need.
I'll say it plainly
no jargon
Deductible, network, subsidy - I'll tell you what each one means for your money before I use the word again. If something doesn't land, say so and I'll put it another way. You should finish the call knowing what you're buying and why.
Health and life only
the whole list
That's what I'm licensed for, and it's all I sell. Ask me about your car or your house and I'll tell you straight that I'm not the right person for it. You can look up my license before you ever talk to me.