No matter the size of your business, when it comes to your health insurance protection the brokerage and consulting services from Morris & Reynolds Insurance produce the finest results available anywhere. To obtain the broad coverage and low cost you desire along with the quality care that you deserve from both your insurance company and broker then contact us at any time.

From small businesses to a large group, from fully insured to partially self- funded and self-insured, Morris & Reynolds represents and has access to the entire marketplace of insurers and administrators to meet your every need. At Morris & Reynolds, we offer brokerage and consulting services on all types of employee benefits, including group medical and dental plans, life insurance, disability, retirement plans and voluntary plans. We realize that your benefit plans have a significant impact on your ability to recruit and retain quality employees as well as your bottom line in addition to the impact they have on your employees peace of mind and wellbeing. We take our responsibilities in these areas very seriously and work hard to design plans, benefits and costs that reflect your goals and objectives.

At Morris & Reynolds our expert group health insurance plan design and brokerage process includes the following steps each year for every client that we protect:

  • Define customized plan provisions to reflect your evolving individual business goals and philosophy as an employer.
  • Review plan designs from insurer to insurer to ensure consistence with your financial objectives.
  • Evaluate plan provisions to ensure they meet your needs and are easily understood by your workforce.
  • Compare your plan design to leading benchmarks to ensure your benefits remain competitive with your industry and business.
  • Review eligibility, participation and termination approaches in your business to reduce employer liability to unforeseen losses.

In addition to group health insurance solutions, some of the benefits of our employee benefit related work for our clients include;


• Ancillary (Voluntary/Employee Paid)
• Benchmarking
• Benefits Administration
• Brokerage
• Cancer & Critical Illness
• Communications
• Compliance Consulting
• Consulting
• Dental Insurance
• Disability (Short & Long Term)
• Employee Assistance Plans (EAP)
• Health & Welfare Plans (Group)
• Health / Medical Insurance
• Healthcare Reform
• Hospital Indemnity
• Individual Health
• Life Insurance (Group)
• Payroll Deduction Auto & Home
• Pharmacy Consulting
• Plan Design
• Plan Management
• Pre-Paid Legal Plans
• Network Evaluation
• Retiree Health Care
• Retirement Plans (401k’s)
• Vision Insurance
• Wellness & Productivity


Morris & Reynolds represents and has access to the entire market of leading insurers. Many of our relationships with major insurers span decades and often find us in a leadership position as an advisor or agent Board member.


Your employee benefit’s goals and bottom line are our sole focus. The coverage and costs that we negotiate, in fact all we do, is focused on you and your employees. We are known as aggressive negotiators who have our clients’ best interest at heart. Always.

We also enjoy serving our clients in the most transparent manner possible and are happy to discuss and disclose our compensation and answer your questions about that important topic with you. Morris & Reynolds is a truly independent insurance agency and has been since 1950. Our focus is never on stockholders, stock prices or an insurance company preference but our client’s goals, dreams and desires. Always.


Let’s face it, insurance can be time consuming and frustrating. Dealing with providers and insurers is often an experience filled with ‘red tape’, delays and frustration. Whether you or your employees have a question about your coverage, a provider, a bill or a claim we are here to help every step of the way. Our Client Advocates are here at Morris & Reynolds everyday focused on assisting you and your employees with provider and claim concerns as well as the never ending ‘red tape’ involved with America’s medical ‘system’.


An apple a day really can keep the doctor away (along with exercise, an education on health and wellness). Morris & Reynolds is deeply proud of the work we do with many of our employee benefit clients to help make their employees happier, healthier and more productive both personally and professionally.


Your employees and their satisfaction with the benefits you offer to them is very important to your business and your peace of mind. At Morris & Reynolds Insurance we take your benefits, employees and peace of mind, to heart in all we do from the coverage that we structure, the insurers we suggest and the day to day service and care we provide to our clients and your employees. When you need us most, we will always be there.


At Morris & Reynolds Insurance our client’s receive the best of both worlds. We are well known for our ‘old fashioned’, reliable and responsive service that dates to the founding of our agency in 1950. We are also known for employing cutting edge technology and offering the latest in coverage innovations and ideas to serve our client’s ever evolving needs. Services such as The Protection Portal and Morris & Reynolds MyWave are just two examples of our forward thinking approach to service.


Our Client Service Underwriters, Client Advocates and Professional Agents are deeply committed to their profession and career-long learning. Our award winning TEAM of professional people, the finest people in employee benefits and insurance, is unique to Morris & Reynolds Insurance. In order to offer our client’s the very finest results possible we constantly seek improvement by way of training, performance measurement and process reviews.

Our corporate office is an approved and certified testing site for the prestigious Insurance Institute of America and their curriculum is part of our ongoing TEAM educational efforts. Morris & Reynolds Insurance is proud of the awards that TEAM members have received from a variety of industry associations and insurers, including the Florida Agent of the Year, The National Agent of the Year and The Customer Service Representative of the Year Honors to name a few.

Health Care Reform – 2016 Compliance Checklist »
The Affordable Care Act (ACA) has made a number of significant changes to group health plans since the law was enacted over four years ago. Many of these key reforms became effective in 2014 and 2015, including health plan design changes, increased wellness
Employer Mandate Final Rules »
The Affordable Care Act (ACA) imposes a penalty on large employers that do not offer minimum essential coverage to full-time employees and their dependents.
Benefits Administration
Compliance Consulting
Dental Insurance
Health & Welfare Plans (Group)
Healthcare Reform
Individual Health
Life Insurance (Group)
Long Term Disability
Pharmacy Consulting
Plan Design
Plan Management
Provider Network Evaluation
Retiree Health Care
Retirement Plans
Short Term Disability
Vision Insurance
Voluntary Benefits
Wellness & Productivity

Click above to view the Benefits 101: Introduction to Insurance Payments Video.

Click above to view the Benefits 101: Introduction to Group Health Insurance Video.


Trusted Insurance

"Savings & Service Has Been Our Policy Since 1950"
14821 South Dixie Highway, Miami, Florida 33176
P 305.238.1000 | F 305.255.9643

Independent agent