Serving Naples, Marco Island, Bonita, Estero, Fort Myers & the Cape.
Heather Stone has been an independent insurance advisor across Southwest Florida for more than 20 years — helping retirees, families, and small business owners across Collier and Lee counties pick coverage with confidence.
One advisor for the whole coast.
Southwest Florida is a uniquely complex insurance market. Carrier networks shift each plan year, the Lee Health and NCH systems each anchor a different side of the region, and the mix of full-time retirees, snowbirds, working families, and small businesses means there is no single "right" plan for the entire coast.
Heather Stone works community by community — verifying which Advantage plans actually include NCH North Naples this year, which Marketplace plans keep your Lee Physician Group pediatrician in-network, and which annuity carrier is offering the strongest lifetime-income rider for retirees in Bonita Bay or Cape Harbour. Every recommendation starts with your doctors, your prescriptions, and your real-life budget — not a sales script.
Five lines, one trusted advocate.
Naples & inland communities
Bonita Springs to Cape Coral
Where Heather Stone serves clients across Southwest Florida.
Our office is based in Naples, but the work happens in living rooms, condos, and over Zoom calls from Marco Island up through Cape Coral. If you're inside Collier or Lee County — or relocating here — we can help.
Not sure where to start?
Call Heather directly or send a message — we'll point you to the right next step, even if it isn't with us.