
GULF BREEZE LIFE & HEALTH
- …
GULF BREEZE LIFE & HEALTH
- …

Valora is becoming Gulf Breeze Life & Health
A new name. The same personal commitment to you.
Valora Insurance Agency is transitioning to Gulf Breeze Life & Health. Mark Murphy, Michele Wagoner, and their team of experts are here to help you explore Medicare, health insurance, life insurance, and retirement options with clear, personal guidance.
Medicare 101 • Lunch & Learn
You’re invited to a complimentary educational lunch.
Turning 65 or have questions about Medicare? Get a clear introduction to Medicare basics, enrollment timing, and coverage choices.
Sponsored by Aetna and VIP Care
WHEN & WHERE
Tuesday, December 1, 2026
11:00 AM–1:30 PM Central Time
Culinary Productions Event Venue and Catering
201 E Wright St · Pensacola, FL 32501RSVP below to request your seat. We’ll email you to confirm your attendance.
YOUR SPEAKER & EVENT SUPPORT
Mark Murphy · Medicare 101 Speaker
Gulf Breeze Life and HealthMichele Wagoner · Managing Agent
Available to assist guests and schedule individual appointments.50 SEATS · AGE 64+ · ONE GUEST WELCOME
Guest seats count toward the 50-seat total. Attendance is subject to final confirmation.
This is an educational event. No plan-specific sales presentation or enrollment will take place. No obligation to enroll. Attendance is subject to confirmation after you RSVP.

Medicare Plan Reviews for Florida Seniors
Schedule a complimentary Medicare review by phone throughout Florida or an in-person appointment in Pensacola, surrounding communities, and nearby South Alabama. Contact us to discuss your enrollment options.
WHOLE LIFE INSURANCE
Schedule an appointment for a complimentary whole life insurance quote. We help clients throughout Florida by phone and offer local in-person appointments.
Medicare Advantage carriers we represent
More choices start with a conversation. We represent UnitedHealthcare, Aetna, Humana, Devoted Health, HealthSpring, and Wellcare. Carrier and plan availability varies by county and location. Tell us your ZIP code and what matters to you, and we’ll help you explore the options available in your area.

Your life has possibilities. So does your coverage.
For your health. Your family. Your future. Explore the ways we can help, open a card to learn more, or choose what matters to you. You don’t need all the answers to start a conversation.
Marketplace health insurance
Under 65 and need a health plan?
Explore individual and family coverage when you’re self-employed, between jobs, or looking for another option.
We can help you compare available plans and discuss enrollment, costs, and potential savings based on your situation.

Group health insurance
Benefits for the people behind your business.
Explore health insurance options for your employees and your business.
Tell us about your team, your goals, and your budget. We’ll help you understand available choices.
Medicare Advantage
What matters most in your Medicare plan?
Let’s talk about your doctors, prescriptions, costs, and coverage priorities.
We help you explore Medicare Advantage options available in your area and understand plan networks, benefits, and limitations.
Medicare Supplement insurance
Explore help with Original Medicare costs.
Ask about Medicare Supplement insurance, also called Medigap.
These policies can help with certain costs Original Medicare doesn’t pay. We’ll explain available options, eligibility, and how this differs from Medicare Advantage.
Cancer insurance
A cancer diagnosis can affect more than your health.
Explore additional financial protection for covered cancer-related expenses.
Ask how benefits are paid and what diagnoses, treatments, waiting periods, and exclusions apply.
Hospital indemnity insurance
What if a hospital stay brought extra bills?
Ask about cash benefits for covered hospital stays.
We’ll explain benefit amounts, covered events, waiting periods, and limitations so you can consider how a policy fits your needs.
Accident insurance
Life happens. Plan for the unexpected.
Explore benefits for covered accidental injuries and related expenses.
Ask what injuries and services are covered, how benefits work, and what exclusions apply.
Supplemental insurance
Give your protection another layer.
Explore coverage that can complement your primary health insurance.
Tell us about the gaps that concern you. We’ll help you understand available supplemental policies, their costs, and their limitations.
Whole life insurance
Protection with a longer view.
Explore permanent life insurance designed for lifelong protection.
Ask about premiums, death benefits, cash value, and the terms required to keep coverage in force.
Term life insurance
Protect the years your family counts on you.
Explore life insurance for a specific period of time.
We’ll discuss coverage amounts, term lengths, costs, and what happens when the term ends.
Universal life insurance
Your goals may change. Explore your options.
Ask about permanent life insurance with flexible features.
We’ll explain premiums, policy charges, cash value, and how funding and policy performance can affect coverage.
Final expense insurance
A thoughtful step for the people you love.
Explore coverage to help loved ones with funeral costs and other final bills.
Ask about coverage amounts, premiums, eligibility, and any waiting periods before choosing a policy.
Long-term care insurance
What could care look like later in life?
Plan a conversation about help at home or care in another setting.
We’ll discuss available plans, covered services, eligibility, benefit limits, waiting periods, and costs.
Annuities
Let’s talk about your retirement income goals.
Explore whether an annuity could fit your plans for the future.
Ask about annuity types, fees, surrender periods, access to funds, and insurer-backed guarantees.
Dental insurance
Keep your smile in the picture.
Explore coverage for dental care, from routine visits to other covered services.
We’ll help you compare available benefits, provider networks, waiting periods, and annual limits.
Vision insurance
A clearer view of your options.
Ask about coverage for eye exams, glasses, and contact lenses.
Compare available networks, allowances, costs, and how often benefits can be used.
We Make Retirement Options a Breeze!
We Make Medicare a Breeze.
Gulf Breeze Life & Health, a DBA of Gulf Coast Retirement and Medical Solutions, began in 2019. Our owner has been in the insurance business since 2008.
We focus on helping our clients understand how Medicare works so they can choose plans suited to their individual needs. Medicare is not one size fits all. Coverage needs and available options may change from year to year as circumstances change.
We understand the importance of being in the right plan at the right time. Our team takes the time to listen, explain your options, and help you make informed decisions about your coverage and retirement goals.
Let us show you why we are different!
Your story could help someone take their next step.
Have you worked with our agency? We’d love to hear about your experience. Your honest feedback helps other individuals and families get to know our agency.
Click the button to leave your review. Thank you for sharing your experience.
Leave a Google Review
Michele’s appointment calendar — November 2026
Edit this schedule here. Appointment requests must be confirmed by Michele.
Month: November 2026
Hours: 10:00 AM–5:00 PM
CVS Olive & Davis: 3, 4, 6, 7, 10, 11, 12, 13, 19, 21, 24, 25, 28, 29
CVS Navy Blvd & Gulf Beach Hwy: 14, 18
Phone appointment days: 2, 8, 9, 15, 16, 17, 22, 23, 30
Closed: 26, 27
Special event: 20 — Thanksgiving Holiday Vendor Market, 4–8 PM at Gary’s Brewery & Biergarten, 208 Newman Ave, Pensacola
Unavailable appointment times:
November 3: 10:00–11:00 AM; 12:30–2:00 PM
November 5: 9:00 AM–12:00 PM; 2:00–3:45 PM
November 8: 1:00–2:00 PM
November 14: 11:02 AM–12:02 PM; 3:00–5:00 PM
November 18: 2:00–4:00 PM
November 20: 4:00–8:00 PM
All times are Central Time. This is an appointment request calendar; appointments are confirmed personally.
Who We Are
Personal guidance. Community roots. People you can talk to.

John “Mark” Murphy | Owner
Licensed since May 2008, John “Mark” Murphy moved into management in 2009 and later founded his own agency. He works with national insurance carriers and is dedicated to helping clients understand Medicare and retirement options, so they can choose coverage that fits their needs. Mark is AHIP certified and has received multiple customer satisfaction awards.
Originally from Smith Station, Alabama, Mark moved to Pensacola in 1988. He married in 1991 and lives in Gulf Breeze with his wife and daughter.

Michele Wagoner | Managing Agent & Insurance Broker
Michele Wagoner brings years of insurance experience and a warm, personal approach to Gulf Breeze Life & Health. As Managing Agent and Insurance Broker, she helps clients understand Medicare, life insurance, supplemental coverage, long-term care, and annuity options in clear, everyday language.
Based in Pensacola, Michele serves clients throughout Florida by phone and offers local in-person appointments, including nearby South Alabama. She builds lasting relationships through trust, listening, and guidance tailored to each client’s goals. God • Family • Community is at the heart of her work.

Courtney Carter | Administrative Assistant & Community Outreach Coordinator
Courtney Carter serves as Michele Wagoner’s personal assistant and supports the entire Gulf Breeze Life & Health team as Administrative Assistant & Community Outreach Coordinator. A Pensacola resident, Courtney brings experience as a CVS manager, a paralegal background, and previous work as a property and casualty insurance agent.
Her varied background brings together customer service, organization, attention to detail, and a practical approach to solving problems. Courtney helps coordinate appointments and community outreach, supports day-to-day agency operations, and assists new agents with onboarding so they feel welcomed and prepared. She is a versatile resource for Michele, the team, and the communities we serve.
Gavin Root | In Training
Gavin Root is joining the Gulf Breeze Life & Health team and is currently in training with Mark Murphy and Michele Wagoner.
From “I’m not sure” to a clear next step.
A complimentary conversation. No obligation to enroll.
1. Tell us what’s changing
Turning 65? Protecting your family? Planning retirement? Share your question, even if you’re not sure which type of insurance to ask about.
2. Explore your options
We’ll explain the available choices, costs, benefits, and limitations in plain language, with room for your questions.

3. Choose your next step
Request a quote, arrange a review, or take time to think. When you’re ready, Michele can help you move forward.
Upcoming Events
Let’s connect in our community. Watch this space for seminars, local events, and opportunities to meet the Gulf Breeze Life & Health team.
Thanksgiving Holiday Vendor Market
Date: November 20, 2026
Time: 4:00–8:00 PM Central Time
Location: Gary’s Brewery & Biergarten, 208 Newman Ave, Pensacola, FL 32507
Come visit our booth! Meet Michele Wagoner with Gulf Breeze Life & Health.
Booth sponsored by Aetna. Special guest: Nick Hill with VIPcare.
Enjoy a free bounce house, raffle, and giveaways. Sign up for a FREE health insurance review for Under 65 health coverage or Medicare.
No purchase or enrollment necessary to enter the raffle. No obligation to enroll.
How can I determine the right insurance plan for me?
Our experienced agents will work closely with you to assess your financial situation and healthcare needs, guiding you toward the most suitable options.Is there a cost for consultations?No, our consultations are 100% NO COST! We believe in providing valuable information and support without any costs!
What is Term Life Insurance?
Term Life Insurance provides coverage at a fixed rate of payments for a limited period of time. It is the least expensive way to purchase a substantial death benefit over a specific amount of time.
What is Whole Life Insurance?
Whole life insurance is permanent life insurance designed to provide coverage for your lifetime, as long as required premiums are paid and policy terms are met. It may also build cash value. Benefits, costs, and guarantees depend on the policy.
What is Universal Life Insurance?
Universal life insurance is permanent life insurance that may offer flexible premiums and death benefits, subject to policy terms. Cash value, policy charges, and funding requirements vary. Insufficient funding can cause coverage to lapse.
Your next step starts with a simple hello.
You don’t have to figure out insurance on your own. Tell us what’s changing, what you want to protect, or what has you wondering. We’ll listen and help you explore your options.
Choose a topic below, leave your question, and tell us how to reach you. No obligation to enroll. Please don’t include Medicare numbers or medical information.
©2026 - Proudly built by Michele Wagoner We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.







