Today we’d like to introduce you to Stephanie Floyd.
Hi Stephanie, thanks for joining us today. We’d love for you to start by introducing yourself.
I graduated from Texas State University in the late 90s with a bachelor’s degree in marketing and stepped straight into what I thought would be my long-term career in retail. But even early on, I could see how online shopping was about to reshape the entire industry. That realization pushed me to pivot into marketing for a local Austin company, which eventually opened the door to a sales role at Dell Technologies.
Over the next 20 years at Dell, I moved through several transitions — sales, coaching, training, customer success, and project management. Looking back, every role had a common thread: helping people. I’ve always been drawn to improving processes, using data, and leveraging technology to make things clearer and more efficient for customers.
When the constant rounds of layoffs finally caught up to me, like they did for so many others, I took it as an unexpected opportunity to rethink my path. The job market at the time felt like a game I didn’t want to play anymore. I’d always admired entrepreneurs — the freedom, the creativity, the ability to build something meaningful while having unlimited income potential. So, I decided it was time to take the leap.
I earned my life and health insurance license in just a couple of weeks and started my new career with a captive insurance company. It didn’t take long to realize that model wasn’t aligned with how I wanted to serve clients. I transitioned to a non‑captive IMO, learned a lot, but ultimately knew I still hadn’t found the right fit.
Everything changed when I found an agency that allowed me to be fully independent — and more importantly, to work in a way that aligned with my ethics and values. That’s when Stephanie Floyd Insurance Solutions truly took off. Today, I’m continuing to grow, expanding into more states, and helping people with life and health insurance, Medicare. and retirement planning. Serving seniors and families feels like the perfect intersection of my skills, my experience, and my passion for helping people navigate complex systems with clarity and confidence.
I’m sure it wasn’t obstacle-free, but would you say the journey has been fairly smooth so far?
It definitely hasn’t been a smooth road. Life insurance is one of those things everyone needs but no one wakes up excited to buy, so earning trust is a challenge from day one. I’ve been operating mostly in the telesales world, which gives me the flexibility I need, but it also means I’m reaching people in the one channel most of us avoid — phone calls. That alone forces you to get creative fast.
This is where my love of marketing has really become an advantage. I’m constantly experimenting, researching, and testing new ways to reach people in a way that feels natural and helpful instead of intrusive. Building a business from scratch requires a lot of trial and error, and I’ve had my share of both.
This year has also been my first working with Medicare, and that comes with its own learning curve. It’s a highly regulated space, and staying compliant while preparing for the next Annual Enrollment Period is practically a year‑round job. I’m always studying, refining my processes, and making sure I’m ready to serve clients well when the busy season hits.
The road hasn’t been easy, but every challenge has pushed me to grow, adapt, and build a business that truly aligns with my values.
As you know, we’re big fans of Stephanie Floyd Insurance Solutions. For our readers who might not be as familiar what can you tell them about the brand?
At Stephanie Floyd Insurance Solutions, my focus is on helping families and seniors protect what matters most with clear, straightforward insurance solutions. I specialize in term life, whole life, and final expense coverage, as well as Medicare, Marketplace health plans, and annuities. These are the core products that most people rely on throughout their lives, and I’ve built my business around making them easy to understand and easy to access.
One thing that sets my agency apart is that I’m very intentional about the products I choose to offer. The insurance world can be overwhelming, and not every product is the right fit for every family. I’ve made a purposeful decision to focus on solutions that are stable, transparent, and aligned with my clients’ long‑term best interests. My clients trust me because I take the time to explain how everything works, what the risks are, and what truly fits their goals — not just what’s popular or trendy.
I’m most proud of the fact that my brand is built on education, ethics, and advocacy. I don’t believe in high‑pressure sales or confusing jargon. I believe in clarity. I believe in giving people options. And I believe in empowering families and seniors to make confident decisions about their health and financial protection.
Whether someone needs life insurance to protect their family, Medicare guidance to navigate a complex system, or help finding affordable health coverage, my goal is always the same: to make the process simple, honest, and personalized. That’s the heart of my business and the reason I love what I do.
What sort of changes are you expecting over the next 5-10 years?
The insurance industry is going to look very different over the next 5–10 years, and I think we’re already seeing the early signs. One of the biggest shifts will be the rise of inbound calls and AI‑assisted client engagement. Consumers are getting more comfortable researching online, comparing options, and reaching out when they’re ready — which means agents who rely solely on cold outreach will struggle. The future belongs to advisors who can attract clients through education, transparency, and trust.
AI is also going to play a major role, not by replacing agents, but by making us more efficient. Tools that help with quoting, underwriting, follow‑up, and client communication will free up time for what really matters: the human side of advising. People still want a real person to guide them through big decisions like life insurance, Medicare, and retirement planning. AI just helps us serve more people, more effectively.
I also think we’ll see a shift toward simpler, more transparent products. Families want coverage they can understand without a finance degree. That’s why I focus on term life, whole life, final expense, Medicare, ACA plans, and annuities — the foundational products most people rely on throughout their lives. I’ve made a very intentional decision to avoid more complex or high‑risk products because my priority is long‑term stability and clarity for my clients.
Overall, the industry is moving toward a more consumer‑driven, tech‑enabled model. Agents who embrace technology, lead with education, and stay rooted in ethics will thrive. And honestly, I’m excited about that future. It aligns perfectly with how I want to serve people.
Pricing:
- Term Life Insurance: Typically the most affordable option for families looking for high coverage at a low monthly cost. Great for income protection, mortgages, and young families.
- Final Expense Insurance: Designed for seniors; smaller policies with predictable premiums and simplified underwriting.
- Medicare Plans: Many Medicare Advantage plans have $0 premiums, depending on the county. Supplement (Medigap) plans vary by age and state.
- Marketplace Health Plans: Pricing is income‑based, and many people qualify for very low‑cost or even $0 monthly premiums through subsidies.
- Annuities: Can be funded from either a lump sum or monthly premium.— used for long‑term income planning. These are a great option for an old 401k to use for retirement income and life insurance.
Contact Info:
- Website: https://bit.ly/SFSolutions
- Instagram: https://instagram.com/stephanie.floyd.insurance
- Facebook: https://www.facebook.com/SFloydInsurance
- LinkedIn: https://www.linkedin.com/company/stephanie-floyd-insurance-solutions
- Twitter: @Steph_Floyd
- Youtube: @SFInsuranceSolutions
- Other: https://bit.ly/stephfloydptc
