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Tampa, FL — Licensed in 29 States

The coverage
you need. The
clarity you deserve.

Individuals, families, and small business owners across 29 states. No confusion, no pressure — just the right plan, explained clearly.

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Sterling Watnem
Free
Consultation
29
States Licensed
NPN
22079605
01
Health Insurance
Private health plans for individuals, families, and the self-employed.
02
Life Insurance
Term, whole, and universal life — explained simply, chosen wisely.
03
Self-Employed Plans
Specialized coverage built for entrepreneurs and 1099 contractors.
04
Small Business
Group and individual options for small business owners and their teams.
Sterling Watnem
Sterling Watnem
Health Insurance Advisor — NPN 22079605
About Sterling

Coverage made clear.

Sterling Watnem is a licensed health insurance advisor serving individuals, self-employed professionals, families, and small business owners across 29 states. Listen first, find the right plan second — that’s the approach.

“My job is to make sure you understand exactly what you’re getting — before you sign anything.”

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Services

The right plan for every situation.

01
Health Insurance

Private health, short-term, and supplemental coverage matched to your life and budget.

Learn More →
02
Life Insurance

Term, whole, and universal life explained clearly. Protect your family without the guesswork.

Learn More →
03
Entrepreneur & Business

Built for the self-employed and small business owners who need premium coverage without the corporate package.

Learn More →
Client Feedback

What clients are saying.

“

Sterling made something I’d been dreading for years completely painless. He explained every option clearly and helped me choose a plan I feel confident about.

Rebecca T.
Tampa, FL — Individual Plan
“

As someone self-employed for years I never thought I could get decent coverage at a price I could manage. Sterling found me something better than I expected.

Chris M.
Orlando, FL — Self-Employed Plan
“

He wasn’t trying to push me toward anything. He genuinely listened and gave me exactly what I needed. The follow-up after enrollment was a great touch too.

Amanda & Kyle R.
St. Pete, FL — Family Plan

Not sure where to start?
The first call is always free.

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About Sterling

Honest advice.
Clear coverage.

A licensed health insurance advisor known for clarity and genuine client focus. Serving individuals, self-employed professionals, families, and small business owners across 29 states.

“I don’t believe in confusing people into decisions. I believe in making sure you understand every option — and letting you choose.”

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Sterling Watnem
National Producer Number
NPN: 22079605
By the Numbers
29
States where Sterling is licensed
Free
Every consultation, always
3
Core clients: individuals, self-employed, small business
24hr
Typical response time for all inquiries

Sterling Watnem built his practice on one premise: people deserve to understand what they’re buying before they buy it. In an industry known for complexity and pressure, Sterling takes the opposite approach — patient, transparent, and focused entirely on finding the right fit.

He works with individuals seeking private health coverage for the first time, self-employed professionals who’ve never had employer-sponsored options, families looking for better coverage, and small business owners trying to provide for their teams without overpaying.

“Coverage shouldn’t feel like a gamble. The right plan makes sense before you need it.”

Licensed across 29 states and available by phone or video, Sterling serves clients nationwide without ever losing the personal touch. Every consultation is free. Every recommendation is explained clearly. Every client walks away knowing exactly what they’re covered for.

Outside of work, Sterling stays grounded in family and the people around him. He’s based in Tampa with his fiancée Kela, and that same commitment to the people he loves drives how he shows up for every client.

Sterling and Kela

Sterling & Kela — Tampa, FL

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What We Stand For

Built on these principles.

◆
Radical Clarity
Every plan explained in plain language. No jargon, no confusion — just honest guidance you can act on.
◆
Client First, Always
Recommendations based on what’s right for you — not what generates the highest commission.
◆
Long-Term Relationships
Sterling stays your advisor through renewals, questions, and life changes — not just at enrollment.

Want an advisor who keeps it simple and honest?

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Meet the Team

The people behind your coverage.

Every client gets personal attention from people who genuinely care about getting you the right plan — not just any plan.

Our People

Who you’ll be working with.

Sterling Watnem
Sterling Watnem
Founder & Health Insurance Advisor

Licensed across 29 states, Sterling leads every client relationship with honesty and clarity. His approach is simple: listen first, then find the plan that actually fits your life.

Kela Totherow
Kela Totherow
Client Relations & Operations

Kela ensures every client experience runs smoothly from first contact to enrollment. Detail-oriented and genuinely warm, she’s the backbone of the client experience at Sterling Coverage Solutions.

Ready to work with this team?

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What We Offer

The right plan for your situation.

From private health plans to life insurance and business coverage — every solution is tailored to your life and supported long after enrollment.

Book a Free Quote Call  📅
Private Health Insurance — Individuals & Families
Life Insurance — Term, Whole & Universal
Self-Employed & Entrepreneur Plans
Small Business Owner Coverage
Health Insurance
Health Insurance
01

Health Insurance

Whether you’re getting private coverage for the first time, coming off an employer plan, or looking for something better — we do the research and walk you through every option in plain language.

  • Private individual and family health plans
  • Short-term and supplemental options
  • 1099 & self-employed coverage
  • Small group plans
  • Annual review & renewal support
Book a Health Quote Call  📅
Life Insurance
Life Insurance
02

Life Insurance

The right policy protects your family’s financial future without overcomplicating your budget. We explain every option clearly — without pressure.

  • Term life insurance
  • Whole life & permanent coverage
  • Universal life solutions
  • Final expense planning
  • Legacy and estate protection
Book a Life Quote Call  📅
Entrepreneur Plans
Entrepreneur & Business
03

Entrepreneur & Business Plans

Self-employed or running a small business shouldn’t mean settling for subpar coverage. We find plans built for your situation — whether you’re a 1099 contractor, freelancer, or small business owner.

  • Self-employed individual & family plans
  • Small group coverage options
  • HSA-compatible tax-advantaged plans
  • 1099 contractor guidance
  • Business owner life insurance
Book a Business Quote Call  📅

Still figuring out what you need?
Let’s talk it through — free.

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The Process

Straightforward from start to finish.

No complexity. No pressure. Here’s exactly what working with Sterling looks like.

Step by Step

How we work together.

01
Book a Free Call

Schedule directly on Calendly — pick any time that works. No phone tag, no waiting. Sterling will be ready.

📅 30 min — Pick your time online
02
We Listen First

Sterling takes time to understand your health needs, family situation, budget, and goals before recommending anything at all.

Phone or Video · Zero Pressure
03
Plan Research

Sterling researches available options from top-rated carriers that match your situation. The homework is done for you.

Typically within 24 hours
04
Clear Walkthrough

Your best options presented side by side in plain language. You’ll know exactly what each plan covers, costs, and the real differences.

No Jargon · No Pressure
05
Enrollment & Ongoing Support

Sterling handles enrollment and stays your advisor long after — for questions, claims, and annual renewal reviews.

Year-round · Ongoing
Start at Step 1 — Book Your Free Call  📅
FAQ

Answers to common questions.

Yes — always. No charge, no commitment, no pressure. Book on Calendly and Sterling will be there ready to help.
Sterling is compensated by the insurance carriers — not by you. Your plan costs the same whether you use an advisor or go directly. Expert guidance at no extra cost.
Absolutely. Free plan reviews are always available. If your current plan is the best option, you’ll hear that. If there’s something better, you’ll see exactly what the difference looks like.
More than most people realize. Private plans, short-term options, HSA-compatible plans with real tax advantages — book a call and we’ll walk through everything available to you.
AL, AR, CO, DE, FL, GA, IA, IL, IN, KS, KY, LA, MD, MS, MT, NC, NE, NV, OH, OK, SC, SD, TN, TX, UT, VA, WI, WV, and WY — 29 states total. All consultations by phone or video.

Ready to get started?
Step one costs nothing.

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Get in Touch

Let’s find your plan.

The fastest way to start is to book a free call directly on Calendly. Pick a time — Sterling will be there.

Contact Info

Reach Sterling directly.

📅
Book a Free Call
calendly.com/sterlingcoveragesolutions/30min
☏
Phone
(813) 340-5881
✉
Email
sterlingcoveragesolutions@gmail.com
◯
Licensed In
AL, AR, CO, DE, FL, GA, IA, IL, IN, KS, KY, LA, MD, MS, MT, NC, NE, NV, OH, OK, SC, SD, TN, TX, UT, VA, WI, WV & WY
◆  NPN: 22079605 — Verify at nipr.com
Ready to get started?
Book a free 30-minute call — pick any time that works for you.
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or send a message