Office Hours

Mon - Fri

9 AM - 5 PM

Sat 10 AM - 4 PM


Our Location

Fort Myers, FL 33966


Call Us Now

(888) 841-6117

About Us


We ensure the quality

LTDT Insurance was started in 2013 by Luis Tornes Jr., CMIP® who in his second career, wanted to do something in memory of his mom. She suffered from cancer in the mid-90s and took her to the doctor’s offices for her treatments and office visits. He discovered that Medicare was not what he thought it was. It was confusing to him and his mom.

After a long career with the local phone company, Luis retired and formed LTDT Insurance to honor his mom. We specialized in Medicare. However, we do life, health and retirement plans with just as much enthusiasm.

Year's in business

The company has grown since 2013 and now has a great team of agents working with him.

The only requirement that Luis has is to “treat clients like they are part of the family”. Luis always says, “Take care of the people and the people will take care of you.”

You will find this with all our agents.

We are in Southwest Florida, but we work in the entire state.

You can reach us by phone, email or text.

We will be happy to come out to visit you or we can meet virtually. It is your choice.

Proud Member of
National Association of Benefits and Insurance Professionals

CMIP®, CMIS™, CMIR™, Certified Medicare Insurance Planner™, Certified Medicare Insurance Specialist™, and Certified Medicare Insurance Representative™, are all owned by the parent company of Certified Medicare Insurance Planner™, DBA, The Life Man®, LLC, and authorizes use of by individuals who have met Certified Medicare Insurance Planner™, DBA administration’s initial and ongoing certification requirements.” The Federal Government, CMS, and Medicare does not affiliate with or endorse ANY professional designation, which would include the CMIP®, CMIS™, and CMIR™ designations.

Certified Medicare Insurance Planner™

Proud member of Medicare Journey

Medicare Journey is not connected with or endorsed by the U.S. Government or the Federal Medicare Program. Medicare Journey is a 501(c)(3) Not for Profit Organization

Copyright© 2023. LTDT Insurance LLC - All Rights Reserved.

We do not offer every plan available in your area. Currently we represent 8 organizations which offer 54 products in your area. Please contact, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options