St. Petersburg, FLLicensed in multiple states
(727) 341-9599terry@suncoast-us.com
About Us

Our story, your partner for life.

Suncoast Insurance Solutions was founded in 2015 by Joe Ward, who recognized a significant gap in the insurance industry. Today, that legacy continues under Terry Salak, who upholds the high standard of service our clients have come to expect.

Our Story

From a clear vision to a lasting practice.

Suncoast Insurance Solutions was founded in 2015 by Joe Ward, who recognized a significant gap in the insurance industry. He saw that individuals entering the senior market were often overwhelmed by the complexities of Medicare, Social Security, and the transition into retirement. Joe's vision was simple: to provide a dedicated advisor who could navigate the “ins and outs” of these systems with clarity and integrity.

As Joe's career evolved into broader financial planning and specialized insurance products, he ensured the agency's legacy of senior health expertise would continue by transitioning leadership to his business partner, Terry Salak.

Today, Terry oversees the day-to-day operations, upholding the high standard of service our clients have come to expect. We remain steadfast in our mission to simplify the health insurance journey. Whether you are turning 65, retiring after a long career, or reviewing your current coverage, we provide the comprehensive guidance you need to find the Medicare Supplement or Advantage plan that fits your life.

Terry Salak
Terry Salak
VP of Plan Sales & Medicare Specialist
Meet Terry

Expert Medicare guidance with Terry Salak.

Medicare can feel like a puzzle with missing pieces. With over eight years of specialized experience, Terry is the driving force at Suncoast Insurance Solutions, dedicated to ensuring your retirement is defined by your adventures — not your medical bills.

Terry started her practice because she saw too many people unprepared for the “20% gap” left by Original Medicare. As an expert in Medicare Supplements, Advantage plans (MAPD), and Part D, she handles the heavy lifting for her clients. Whether you prefer the freedom of a Supplement or the “safety net” and extra benefits of an Advantage plan, Terry helps you weigh the trade-offs so your costs are certain and your savings are secure.

A resident of St. Petersburg and licensed in multiple states, Terry is a proud member of NABIP (the National Association of Benefits and Insurance Professionals) and a committed advocate for her community and beyond. When she isn't navigating the “Medicare Maze,” she's usually on the golf course or enjoying the Sunshine City with her husband and their two rescue pups, Nora and Daisy.

Strategies Rooted in Listening

We don't believe in “one-size-fits-all” solutions. Every strategy begins by understanding your unique situation to build Custom Plan Models that compare the best options side-by-side. You won't just get a plan; you'll gain the education needed to understand exactly why a specific option aligns with your long-term goals.

Relentless Advocacy Beyond Enrollment

Most professionals vanish once the ink is dry, but we are your year-round advocate. Life doesn't stop for enrollment windows — whether you face a move, a new health condition, or a change in resources, Terry provides “wrap-around” support to ensure your benefits adapt as your life does.

Comprehensive Coverage for Every Gap

We look at the big picture to identify hidden risks in standard plans. Through a wide range of complimentary benefits, Suncoast Insurance Solutions secures vital coverage for: Health Essentials (Dental, Hearing, and Vision), Long-Term Security (expert long-term care planning), and Global Protection (specialized international travel coverage).

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Our most important staff

Meet our Chief Comfort Officers.

At Suncoast Insurance Solutions, our most important support staff have four legs and a lot of heart. Nora and Daisy, our “paws-on” rescue pups, take their roles as Office Supervisors very seriously. By greeting every guest with expert precision and supervising the office from their favorite sunny spots, they ensure that high-stakes Medicare transitions are never high-stress.

When they aren't vetting clients at the door, they are busy enforcing our wellness mandate: mandatory mid-day walks and high-level sunbathing consultations. As the heart and soul of the office, Nora and Daisy bring a sense of calm that reminds us every day that while insurance is serious business, your experience should be a joyful one. They don't just work here — they make sure we stay focused on what matters most: you.

Nora, Chief Treat Officer

Nora

Office Supervisor
Head of Hospitality
Nap Coordination
Chief Treat Officer
Daisy, Head of Office Security

Daisy

Office Supervisor
Director of Wellness
Squirrel Surveillance
Head of Security
Take the first step

Ready to close the gaps?

Take the guesswork out of Medicare. Tell us a bit about your needs and we'll help you build a plan that provides total security — at no cost to you.

Book a ConsultationCall (727) 341-9599
No obligation · No pressure · Always at no cost to you