Call Us Today 302-602-9426

Why You Should Choose a Broker Over an Agent

  • A licensed broker represents multiple insurance companies, while an agent is a representative of a particular company.
  • A broker does not charge a fee to the customer. He offers the same rates and is compensated by the insurance company.
  • A broker can compare the benefits and pricing from multiple companies to offer you the best product at the lowest price.
  • A licensed broker can help you with a wide variety of insurance and retirement needs.

Call Insurance You Keep®

302-602-9426

Joe Ritter - President

Joe Ritter President

Joe is licensed in Delaware, Maryland, Pennsylvania, Georgia, Texas and Arizona. He has over 11 years of experience as a life & health insurance agent. Joe specializes in the insurance needs of business owners & seniors. He is CLTC certified in Long Term Care planning, Medicare supplements and Life insurance. Send Joe an Email

Mercedes Ritter - Co-Founder and Owner

Mercedes Ritter Co-founder & Owner

Mercedes is licensed in Delaware, Maryland, Pennsylvania and Florida. Mercedes co-founded Insurance You Keep in 2014 and she is also our creative consultant. Mercedes is an authorized representative for Highmark BCBS of DE and United Healthcare and she specializes in health insurance. Send Mercedes an Email

Why choose Insurance You Keep?


  • We’re local, and we work with top carriers and companies.
  • We are the experts when it comes to Medicare insurance and Retirement planning.
  • We’re here to help you, and you can talk with Joe or Mercedes directly by calling 302-602-9426.
  • Choose a broker (us) not an agent. Here’s why
  • We focus on giving clients in Delaware, Pennsylvania, Maryland, Florida and Texas the best Medicare insurance, Life insurance and Investment services.

We’ll help you choose the best Medicare plan

With so many options, including Medicare Supplement, Medicare Advantage, and part D drug coverage available, we will help you find what fits your life, from companies like Aetna, Humana, Transamerica, Mutual of Omaha, UnitedHealthcare, and others. Once you enter your ZIP Code you will see the most popular Medicare plans available near you. Take a look, and then contact Joe Ritter or Mercedes Ritter to learn more about the options available.

We’ll give you detailed information and answer all your questions. We’re here to help you find the plan that best meets the needs of your personal situation.

Peter B. Wilmington, DE

"We were very pleased with Joe’s attention to detail and knowledge of the issues surrounding new retirees like us. We are grateful to Joe for bringing this new Medigap plan to our attention." continue reading

Wayne W. Bridgeville, DE

"The advantage in dealing with Insurance You Keep is that Joe can shop for the best plan that suits my particular needs, at the best rate, through his brokerage network. A half hour meeting saved me hours of time not having to deal with numerous sales calls and meetings, and I was guaranteed the best rate available."

Roy S. New Castle, DE

"Mercedes led my wife and me through the Medicare insurance buying process and made it easy for us to pick the best plan for us. It cut out all the shopping for rates."

Rich S. Williamsport, PA

"I live in Williamsport, PA but I have a home in Lewes, DE. My business is relatively new, and Joe and Mercedes were very helpful in explaining insurance issues with me and my employees. They both spent a lot of time with me and were patient with us as a new business. Insurance You Keep got us all a great deal on life insurance, and I was really impressed with Mercedes knowledge of the new health insurance issues affecting our company."

Other Services We Offer

Umbrella icon - Life Insurance

Life Insurance

Life Insurance

There’s a lot to learn about life insurance. We can help you find the coverage that’s right for you and your loved ones.

Compare Rates
Medical shield and clipboard - Dental and Vision Coverage

Dental/Vision Coverage

Dental/Vision Coverage

We offer a variety of dental plans designed to meet your needs and fit your budget. Follow the link below to find your plan.

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Bar graph of money - Retirement Planning

Retirement Planning

Retirement Planning

Analyze and review your situation and personal needs, develop and implement a strategy, and coordinate your financial activities.

Learn More

Here are just a few of our life insurance and Medicare partners

Aetna Insurance Humana Insurance Mutual of Omaha Insurance Pacific Life Insurance Transamerica Insurance Delta Dental Insurance VSP Vision Care for Life Insurance

We’re here to help you!

If you have any questions at all, please feel free to contact
Joe or Mercedes at joeritter@insuranceyoukeep.com
or call us at 302-602-9426. We’d love to hear from you.