"Carolyn is wonderful to work with. She is very patient and explains things in great detail so your comfortable knowing your making the best choice for your health care. She makes you feel like you are her only client!"
Linda L.
Get the Right Coverage for Your Unique Situation, Without the Confusion
We know insurance decisions feel overwhelming. With 20+ years of experience, we'll guide you through your options and find the plan that truly fits your needs, no pressure, no jargon, just honest advice.
20+
Years of Experience
Jacksonville
Local & Trusted
100%
Client-Focused Service
Tired of Feeling Confused by Insurance Options?
The paperwork never stops
Medicare alone has Parts A, B, C, D, Medigap, Advantage plans... and every year brings new options, deadlines, and confusing mail.
You're not sure who to trust
Are they recommending what's best for you,or what pays them the highest commission?
The stakes feel high
One wrong choice could mean gaps in coverage, unexpected bills, or being locked into a plan that doesn't fit your needs.
Don't let confusion lead to a decision you'll regret. The right coverage protects your health and your financial future.
Your Insurance Advocate
We Understand,And We're Here to Help
We understand that navigating insurance options can feel overwhelming. You want someone who genuinely listens to your situation,not someone reading from a script or pushing a one-size-fits-all solution.
That's exactly why Carolyn Duncan founded Duncan Market Insurance. With over 20 years in the insurance industry, she's worked on every side of the business,from corporate health insurance to private brokerages. Now, she uses that experience to advocate for you.
- 20+ years in the insurance industry
- Independent broker,works for YOU, not a carrier
- Deep expertise in Medicare, health, life, and supplemental insurance
- Local to Jacksonville, Florida,serving neighbors, not numbers
Getting the Right Coverage Is Easy
Three simple steps to peace of mind
1
Book a Consultation
Call us or fill out our contact form to set up a no-obligation conversation about your insurance needs. We'll take the time to understand your situation.
2
Review Your Options Together
We'll walk you through the plans that actually fit your needs,explaining everything in plain language, answering every question, with zero pressure.
3
Get Coverage & Peace of Mind
Enroll in the plan that best protects you and your family. And whenever questions come up, you've got an advocate just a phone call away.
Ready to Get Answers About Your Coverage?
Book your consultation today. We'll review your situation and help you understand your options,no pressure, no obligation.
✓ No obligation • ✓ No pushy sales tactics • ✓ Just honest guidance
What Life Looks Like With the Right Coverage
Our clients go from feeling confused and anxious about their insurance to confident and protected,with a trusted advocate they can call anytime.
Before
- ✗ Overwhelmed by paperwork
- ✗ Unsure if you're covered
- ✗ Worried about making the wrong choice
After
- Clear on your coverage
- Confident in your decisions
- At peace with an expert in your corner
5.0 on Google
"I can't recommend Carolyn Duncan enough! She helped me navigate Medicare supplement insurance as someone who is just shy of 65 and recently on disability—a tricky situation she understood completely. Her knowledge of Medicare, Florida insurance laws, and plan options was impressive. Her expertise and dedication turned what had been a stressful experience into one of confidence and relief."
Margaret DeVore
"Carolyn was so nice. Came to our home for our consult. She was very knowledgeable and even after we had everything checked, she still takes our frantic calls when we don't understand something. I highly recommend this insurance broker for your insurance needs."
Kathy Moody
Common Questions
Do you charge for consultations?
No. Your initial consultation is completely free with no obligation. We believe you deserve to understand your options before making any decisions.
Are you tied to a specific insurance company?
No. As an independent broker, we work with multiple carriers to find the plan that's best for YOU,not the one that pays us the most.
What types of insurance do you help with?
We specialize in Medicare (Advantage, Medigap, Part D), individual and family health insurance, group benefits, life insurance, and supplemental coverage like dental, vision, and critical illness.
I'm turning 65 soon. When should I contact you?
Ideally, reach out 3 months before your 65th birthday. This gives us time to review your options during your Initial Enrollment Period. But even if you're past that window, we can still help.
What if I already have coverage but think I might need something different?
We're happy to review your current coverage and see if there's a better fit. There's no pressure to change,just honest advice.
Don't Navigate Insurance Alone
You deserve an advocate who puts your needs first. Let's talk about your coverage.
Or call 904-217-8368 to speak with Carolyn directly