About Us

Health Quotes 101 is a dba of Benefit Specialists Inc. We are a one stop multi-line agency for financial and insurance services based in South Florida. We specialize in helping small to medium size businesses, seniors, individuals and students with their insurance needs. With over 30 years of experience we are highly committed to help our customers to find them affordable solutions for whatever their needs are.

Our specialists are fully licensed, trained and experienced for each field: Health Insurance, Life Insurance, Financial Services, Employee Benefits, Legal Insurance, Property & Casualty, Medicare.

What makes us different from any other agency, is that the main focus of our practice is customer satisfaction. We believe of treating our customers the same way we would like to be treated and to do what is best for our customers at all times. Day in and day out we do your utmost to maintain our level of trust and credibility. We truly appreciated you taking the time from your busy schedule to visit our website and for relying upon us to help you with whatever your insurance needs are.

Meet our Principals

Stuart Moss
President/CMO

Hello, I am the President and CMO of Benefit Specialists Inc.  I have been in insurance industry for over 30 years.

After many years, technology has opened many options for you, your family and your business.  What we do is provide the products and services on an easy to understand format.  Many of our applications today can be done right over the Internet, providing you with faster underwriting approval.

Let me give you a little information about my background.  I have been licensed since 1978, currently holding a Life, Health and Property and Casualty license by the State of Florida.

During my career in the financial service industry, I have worked in many different areas.  I started my career, as an agent with Life Insurance Company of Virginia in 1978.  I spent almost ten years building the insurance centers for the K-Mart Insurance Group in the eastern United States providing K-Mart customers with quality life and health products as well as auto and homeowners.  As a Divisional Manager for United Group Association and Regional Manager for United Benefit Life Insurance Company as well as American Medical Security, I worked closely in all aspects of the insurance industry with agents and customers alike.

The hard work of my team with honesty and dedication to our customers awarded me many industry honors over my career; including Rookie of the Year - Life of Virginia 1978, Field Sales Manager of the Year - Lone Star Life 1980 - 1981 - 1982, District Insurance Sales Manager of the Year - K-Mart Insurance Group 1984 - 1985, Presidents' Council - United Group Association 1990 - 1991 - 1993, Top District Manager for United Group Association 1991, Top Regional Manager - United Benefit Life 1996, from 1998 to November of 2007 I worked for the Branch office division of United American Insurance Company.  One of my highest industry honors was to be elected to the Presidents’ Council for United American Insurance Company from 2002 through 2004; Honors Club for the same company 1999 - 2000, Presidents' Club 2001 - 2002 - 2003.

All these would not have been possible without being able to serve and help people like you.

Once again, we thank you for stopping at our site, and we look forward to serving you.


Eddie Echevarria
VP of Sales and Recruiting

Eddie Echevarria was born and raised in New York City. He moved to South Florida as a teenager in 1974. Eddie entered the insurance business in 1979 as a life agent for The Independent Life and Accident Insurance Company. After serving four years there in what he refers to as his apprenticeship, he became an agent for Lone Star Insurance Company, which was owned by the Kmart Corporation. When Kmart decided to expand its insurance operations to its retail stores, Eddie became an instrumental part in their growth as one of their sales managers. His unit led the company in sales its first two years, catapulting their insurance operations to unprecedented lengths.

Eager to expand his knowledge to other much needed segments of the insurance industry, in 1987 Eddie delved into the Individual and Group Health Insurance markets. He participated as an expert speaker in seminars that helped small and medium sized employers choose the right type of coverage for their employees. Within a few short years he was named as a member of the “Who’s who in health Insurance” in the South Florida Business Journal. For the past twenty years, Eddie has focused his efforts on helping the small business owners and their employees with the rising costs of health care. His knowledge and dedication to this market serves as a valuable asset to Benefit Specialists, as well as the community it serves.