Smarter Health Options
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BORN TO HELP AND SERVE PEOPLE

We Are Located In Beautiful Fort Myers, Florida
OUR MISSION STATEMENT
To Educate, Teach, and Expose Individuals, Families, Churches, Small, Medium, and Large Size Business Owners The Power of Insurance and Investing In Yourself To Leave A Generational Inheritance To Our Family, Love Ones and The Community.  In Order To Empower The Next Generation To The Next Level That God Has Ordine For Them To Reach...
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Terence, is the founder of Smarter Health Options, TSP Financial Group, My Online Digital Empire, and VIP Ticket Orders and has been in the accounting, finance, banking, insurance, auditing, and real estate arena for over 35 years. 

Since graduating from Hampton University in 1989 with a Bachelor of Science degree in Accounting/Finance; Terence has seen the ups and downs of the financial markets, housing crises, and economic distress over the past few decades.  He also experienced his own challenges during this time.  However, he was able to not only survive, but thrive during this time with the help and guidance of his Lord and Savior Jesus Christ! 

Terence also has a Master's Degree in Education from the University of Phoenix, is a Licensed Insurance Agent and also holds various certificates in Customer Service, Management Training, Sales and Marketing. He has hands-on experiences and training in Automotive/RV Finance, Budgeting, Governmental Accounting, Sales/Marketing, Taxes, Real Estate, and Financial Planning/Budgeting. 

Feeling the need to branch out further, and share his God given gifts, experiences, and testimony in this Financial Market, TSP Financial Group was birthed and a dream became reality.  During many of Terence's networking encounters, a brand new business relationship was birthed with Assurance IQ, Inc. and other various financial, investors, and institutional partners.


Like putting gas to a fire, Terence exploded and speaking engagements, seminars, and presentations are constantly requested to obtain the wealth of financial knowledge and information that Terence has acquired.  Hearing this young man's personal testimony during one of his workshops and presentations is a must!

Terence is married to the beautiful and lovely Dr. Deidre M. Phillips. They both share in raising three beautiful children and are preparing to leaving a lasting financial legacy for them and for generations to come.


I Am A Licensed Insurance Professional.  I Am Not Licensed In All jurisdictions.  Currently, I am Licensed in 38 States in the Country.
​

​I service the following states:  
Alabama, Arizona, Arkansas, Colorado, Connecticut, Delaware, District of Columbia"DC", Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Mississippi, Missouri, Nebraska, Nevada, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, West Virginia, Wisconsin, Wyoming, and my Residential State of Florida.  Other States Will Be Coming Onboard Very Soon.  
My License Numbers:   Florida License No. W472774 |  NPN# 18727754 | Agent Code# CLH12509412 | An Assurance IQ, Inc., Agent


Recommended Resources
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The TSP Online Empire Creation Story
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Terence S. Phillips, Senior Licensed Health Insurance Professional - Over 35 Years of Financial, Business, and Insurance Industry Experiences
Experienced.  Knowledgeable.  Professional
When it comes to preparing for the future it’s important to work with someone who has the foresight and proven experience to help you navigate life’s changes successfully.

That’s where we come in.  Whether you’re just starting out, growing your business, getting ready for expansion, or looking for a way to protect all that you’ve worked for, our consultants can help you find the right solutions to make the most of today, tomorrow, and the years to come.

We can give your business a strong start.  No one said starting out would be easy.  But with proper guidance and some smart decisions, you’ll be surprised at what you can accomplish.  Let’s talk about what you’ll need to reach your business goals.

Starting out on the right foot and working with someone you can trust and get the job done can make a big difference.  If needing major project financing, working capital, a business loan, a real estate loan, a construction loan, a church loan, or any of our other specialized products and services - we can help you!

We are ready to help you achieve your dreams and goals.  We are a Jesus lead company with high conducts, standards, and morals.  We will never mislead you or tell you something that is not true, as we too work for our reward in Heaven and are here to help and serve you and to make a difference in our community and in the world.

Contact us to find out what you can do to help you and your business.

Making the right decisions is key to getting where you want to go.  Working together we can make sure you have the proper information and resources to help you and your business reach your goals.

We can help make your business stronger.  Whether you have a brand new start-up, or been in business for a while, with our unique resources, contacts, and global partners around the world, we can help solve your financial problems and get the funds and resources your business needs.

 Let’s work together to find the right solution for yours.
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Small businesses are the engine of the economy, so it’s important they get the financial help, protection, and guidance they deserve.  Let us help you find the right resources to keep your business on track.

About Our Health and Supplemental Insurance Coverage Provider...
Why Assurance IQ, Inc.?
With the recent merger with Prudential, For more than 140 years, Assurance and Prudential Financial has helped individual and institutional customers grow and protect their wealth.  Prudential is known for delivering on their promises to their customers, and are recognized as a trusted brand and one of the world’s most admired companies.
Insurance is something you rely on. So get it from a company that’s reliable.

No one likes to worry about serious illness and injury. That’s why people buy insurance. But how do you know the company that sells you your policy is dependable – and not just one more thing to worry about?

Serving customers, employees and communities in a highly ethical way
We measure our long-term success on our ability to deliver value for shareholders, meet customer needs, attract and develop the best talent in our industry, offer an inclusive work environment where employees can develop to their full potential and give back to the communities where we live and work. We are committed to keeping our promises and doing business the right way.
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Terence@SmarterHealthOptions.com
1-888-998-1994

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Corporate Office
Assurance IQ, Inc.
10500 NE 8th St
Bellevue, WA 98004

Fort Myers Office
13650 Fiddlesticks Blvd.
​Suite 202-175
Fort Myers FL 33912

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DRIVEN BY ETERNITY

Smarter Health Options

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When it comes to preparing for the future it’s important to work with someone who has the foresight and proven experience to help you navigate life’s changes successfully.

That’s where we come in.  Whether you’re just starting out, growing your business, getting ready for expansion, or looking for a way to protect all that you’ve worked for, our consultants can help you find the right solutions to make the most of today, tomorrow, and the years to come.
 
Contact us to find out what we can do to help you, your family, and your business.
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Terence S. Phillips, License Agent
Florida License No. W472774
NPN# 18727754
​Agent Code# CLH12509412

An Assurance IQ, Inc., Agent
Licensed In 38 States In The USA
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​​I Am Blessed To Be A Blessing
​To You, Your Family, and
​Your Business!
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“We are a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for us to earn fees by linking to Amazon.com and affiliated sites.”
Smarter Health Options  Copyright 2020.  ALL RIGHTS RESERVED
​13650 Fiddlesticks Blvd. Suite 202-175 | Myers FL 33912

Quote@SmarterHealthOptions.com
​O:  888-998-1994
 | F:  239-236-0211
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​1-888-998-1994

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  • Home
  • COVERAGES
    • ACA "Market Place Plans" >
      • Cigna Health Plans
      • HealthSherpa
      • Anthem Blue Cross, Blue Shield
      • Oscar
    • Short-Term Health Insurance Plans
    • Limited Medical Plans
    • Cancer Care Protection
    • Critical Illness Protection
    • Limited Income Health Plans
    • DENTAL DISCOUNT PROGRAM
    • Accidental Death and Dismemberment
    • Dental Coverage
    • GoodRx Prescription Discount Card for free!
  • ABOUT US
  • GET A QUOTE
    • Needs Assessment
  • BLOG
  • CONTACT
    • My Benefits Keeper
    • The MultiPlan Network
    • The First Health Network
    • Aetna Dental Provider Lookup
    • Outlook Vision Provider Lookup
    • Prescription Discount Drug Price Lookup
    • TELADOC
    • KARIS 360
    • Health Care.gov
    • Health Insurance Marketplace Calculator
    • Seminars and Workshops
    • Career Opportunities