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 Ritter is licensed in DE, MD, PA and also the Carolina’s, FL, TX and AZ. He has over 13 years of experience as a life & health insurance broker. Joe specializes in Medicare supplemental insurance and life insurance. He is also CLTC® certified in Long Term Care planning. 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.

Google Reviews

Paul M.

"Joe Ritter at Insurance You Keep worked with me to finalize my Medicare supplemental insurance and drug coverage choices. I was extremely impressed with Joe's knowledge and professionalism - he reviewed all of my options, answer my questions (very patiently), and made excellent suggestions..." continue reading

Anthony D.

"Joe Ritter, CEO, of Insurance You Keep, Bear Delaware, came to the rescue of my wife and me to help secure our Medicare Supplement Insurance in late December for our coverage in 2018. As an Independent Broker, he looked at all options for us and found the most cost-effective coverage for both of us..." continue reading

Jay W.

"We were new to the Medicare Supplement plans and were getting much information from all the well known names but had many questions about their plans. Joe recommended a reasonable company that we had never heard of. We were reluctant to go ahead with them, fearing the unknown. After Joe gave us..." continue reading

Linda G.

"I want to Thank you for all you and your wife have done for us. You found us great Ins. while in Delaware and now that we are moving to Texas you were able to help get us insured there. We didn't have to do anything, that made our moving so much easier. Thank you again for all you have done for..." continue reading

Patricia F.

"I passionately love Chinese food, but trying to swim through the murky waters of Medicare supplements is like trying to decipher a Chinese restaurant menu. One from column A, two from column B. I was truly out of my comfort zone and was clueless! This must explain the popularity of buffets!..." continue reading

Jackie H.

"I love how Joe is always willing to help you when you have questions or are looking for a new plan. We have been dealing with him and Mercedes for about five years. I always tell people about him when they start talking insurance needs. Thanks, Joe and Mercedes for calling us on that referral." continue reading

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.

Compare Rates
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 insuranceyoukeep@gmail.com
or call us at 302-602-9426. We’d love to hear from you.