About Us
At AIA, we support independent agents and agencies with the tools, resources, and guidance they need to build lasting careers in insurance.
Our Founders
Advantage Insurance Advisors, widely known as AIA, stands as a premier Field Marketing Organization (FMO) dedicated to empowering independent health agents and agencies. Our journey began in February 2018 under the name Medicare Plans and Access (MPA), founded by the visionary husband-and-wife team, Orlando and Emily Ruiz. The recent rebranding in early 2024 to Advantage Insurance Advisors signifies a strategic evolution, reflecting our expanded focus from direct client services to a robust, broker-centric support system. This transition underscores our commitment to equipping agents with comprehensive resources, education, and tools to navigate the complexities of Medicare and Marketplace health plans.
Orlando Ruiz
President of Advantage Insurance Advisors FMO, brings over 18 years of profound experience in the insurance industry. His passion for helping individuals understand their healthcare options was ignited early in his career, stemming from a personal experience assisting his grandmother with her Medicare choices. This foundational empathy and extensive industry knowledge drive AIA's mission to provide comprehensive support to brokers. Prior to co-founding MPA, Orlando honed his expertise as a Broker Sales Manager at WellCare, further solidifying his understanding of agent needs and market dynamics.
Emily Ruiz
Co-Founder and Vice President of Operations, complements Orlando's vision with her strategic operational acumen. With a background in Forensic Psychology from John Jay College (CUNY), Emily's role is pivotal in ensuring seamless product management, efficient operations, and effective outreach programs. She is instrumental in developing and implementing the support systems that empower independent health agents, managing the intricate details that allow AIA to deliver on its promise of excellence. Together, their combined expertise and shared commitment form the bedrock of AIA's success and its dedication to the broker community.
Empowering Brokers for Success
At AIA, our core mission revolves around three pillars:
Educate:
We are committed to educating brokers on the latest sales strategies, best practices, networking opportunities, and the ever-evolving landscape of Medicare and Marketplace Health Plans. This comprehensive education aims to increase agents' production, retention, and overall reliability.
Empower:
We empower our brokers by providing cutting-edge tools, extensive resources, and a supportive team dedicated to helping them understand their industry thoroughly, thereby maximizing their opportunities for growth and success.
Deliver:
Our specialization in Medicare and Marketplace health plans, coupled with our status as a DCF Community Partner, ensures that our brokers are well-equipped to serve a diverse clientele with integrity and expertise.
Community Engagement and Growth
Beyond our dedication to brokers, AIA maintains a strong commitment to community engagement. Our involvement in local advocacy through organizations like NABIP and our support for initiatives such as food pantries and low-income housing assistance reflect our holistic approach to service. This community-focused ethos not only enriches the lives of those we serve but also provides our network of agents with valuable opportunities for local impact and relationship building. With multiple office locations across Florida, including Clermont, Ocala, St. Cloud, and Four Corners, AIA is strategically positioned to support a growing network of independent agents, fostering a collaborative environment where success is shared and celebrated. Our agency is licensed to operate in: FL, TX, GA, NY, NJ, PA, TN, OH, SC, MI, and LA.
What Sets Us Apart
Here is what makes AIA different from our competition.
True Independence
You own your book of business, period. We give you the tools and contracts — the freedom is yours.
Top Tier Commissions
Transparent commission structures with direct carrier payments. You see exactly what you earn on every policy.
Agent Mentorship
Weekly training, compliance reviews, and one-on-one mentorship from producers who have built the business you want to build.
Dedicated Support
We navigate the complex terrain of carrier relations and plan changes so you don't have to.
Our Contracted Carriers
We work with the carriers your clients already trust — so you can offer the coverage they need.
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Join The AIA Network
Looking to grow with a modern FMO? Explore our platform, support, and carrier relationships built to help independent agents win.
Supporting Agencies Coast to Coast
Our compliance tools and technology platform are built to support agents operating across 11+ state markets safely and effectively.
No matter where you are licensed, our back-office team is dedicated to providing real-time support, contracting assistance, and strategy.
Licensed States
Ready to Grow?
Schedule your FMO consultation today. Discover the difference true partnership makes.
Advantage Insurance Advisors supports independent brokers. Platform features and carrier availability vary by state.