Family is everything - Joe and Mercedes Ritter with their son and daughter. Joe and Mercedes Ritter - Insurance You Keep Joe and Mercedes' children

About us

Don’t be overwhelmed with all the calls from multiple insurance agents and the stacks of mailings on your table. We understand you may feel more confused about how medicare works after reviewing it all. Our company, Insurance You Keep, is here to help you. We know that people have different situations and often need someone to help guide them through how medicare works and which secondary insurance would be right for them.

Our Mission

Insurance You Keep’s mission is to provide a comprehensive list of insurance plans and/or financial products that’s right for each person’s needs. We take the time to listen and compare Medicare plans and explain everything during this often challenging time. You’ll not only receive the best possible rate for your area but also excellent customer service the entire time that you are our client.

Our story

Insurance You Keep was established in January 2014. Our company specializes in Medicare insurance and retirement planning. We represent the most trusted insurance carriers in the industry. Joseph G. Ritter is the President of the company and has been helping people find great coverage for over 11 years as a licensed insurance broker. His partner and wife, Mercedes Ritter, is the Vice President and co-founder of Insurance You Keep and has been an insurance broker for over 4 years. Medicare beneficiaries, also referred to as the greatest generation, have taken notice to the large corporate mergers and they are tired of poor customer service. We are going back to old fashioned local service, marrying it with cutting edge technology, and accessing the best insurance products around. This will not only save you time and money but it will eliminate frustration and give you peace of mind.

Family is everything - Joe and Mercedes Ritter with their son and daughter. Joe and Mercedes Ritter - Insurance You Keep Joe and Mercedes' children

Client Testimonials

Peter B. Wilmington, DE

Joe Ritter has been our "Medigap" Insurance Agent since September 2008. At that time, he worked for a company of which my father thought very highly, and Joe navigated my wife and me into two Medigap policies with that company. We were very pleased with Joe’s attention to detail and knowledge of the issues surrounding new retirees like us.

In 2013, Joe contacted us to let us know that he had become an independent insurance agent. He was calling to see if we wanted to compare our current Medigap policies to others that might give us comparable coverage but save us a good bit of money. (It seems that the company of which my father thought so highly had been sold, and the new firm was raising prices regularly!)

At Joe’s suggestion, I spoke with two families who had made the move from the old Medigap plan to the new one. These families were both very positive about the new plan. After further conversations with Joe, my wife and I made the switch, and, thus far, we have received comparable Medigap coverage for lower premiums. We are grateful to Joe for bringing this new Medigap plan to our attention.

Wayne W. Bridgeville, DE

My meeting with Joe Ritter, President of Insurance You Keep, was a "One stop shopping" solution for all my Medicare insurance coverage. 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.

Kevin J.Palm Bay, FL

Joe actually came recommended to us from a good friend who was happy with him. I was turning 65 and going on Medicare at the time and Joe helped me and my wife get health insurance. We sold our home in Delaware and we live down in Florida now. Since Insurance You Keep is also licensed down here in Florida we were able to keep our insurance and our broker. We are very happy.

Betty R.Millsboro, DE

We take a lot of prescriptions and we were very concerned when our group health insurance was ending and we were going on Medicare for the first time. Mercedes helped us find a plan with better prescription coverage than what we had with our group plan. I don’t know if we would have been able to find the plan we have now on our own.