Protecting What Matters Most to You
Mechelle Fitzpatrick — Licensed Insurance Advisor
Fixed annuities, life insurance, and Medicare health coverage — tailored to your family's needs by an advisor who has spent over 15 years putting Georgia families first.
15 Years of Putting Your Needs First
Mechelle Fitzpatrick
Fitzpatrick Benefit Advisors LLC · Georgia (Resident) · Licensed Nationwide
With more than 15 years of experience in the life, fixed annuity, and health insurance industry, Mechelle Fitzpatrick has dedicated her career to helping individuals, families, and retirees across the nation secure the coverage they need to live with confidence and peace of mind. Based in Georgia, Mechelle holds her resident license in Georgia and non-resident licenses in all 50 states.
As the founder of Fitzpatrick Benefit Advisors LLC, Mechelle operates as a fully independent broker — meaning she works exclusively for you, not any single insurance company. This independence allows her to compare products from multiple top-rated carriers to find the plan that best fits your unique situation, health needs, and budget.
Whether you are planning for retirement with a fixed annuity, protecting your family with life insurance, or navigating Medicare for the first time, Mechelle brings the expertise, patience, and personal attention that every client deserves. She believes that trust is earned — and she earns it every day through transparency, education, and genuine care for her clients' long-term well-being.
Verify Mechelle's credentials at any time through the NIPR Producer Database or the Georgia Office of Insurance & Safety Fire Commissioner. NPN: 6799305 | GA License: 607281
The Right Coverage — At Every Stage of Life
As an independent broker, Mechelle shops across multiple carriers to find the right fit for your family — with no pressure and no products that don't serve your best interest.
Fixed Annuities
Secure, guaranteed retirement income through fixed annuities. Grow your savings at a guaranteed rate with no market risk — a reliable foundation for your retirement plan.
- Fixed Annuities
- Fixed Indexed Annuities
- Multi-Year Guaranteed Annuities (MYGA)
- Retirement Income Planning
Life Insurance
Term life, whole life, and universal life policies designed to protect your family's financial future. We find the right coverage at the right price from top-rated carriers.
- Term Life
- Whole Life
- Universal Life
- Final Expense
Medicare Coverage
Navigate Medicare with confidence. We guide you through every option — from Original Medicare to Advantage plans and Supplement (Medigap) policies — and help you avoid costly late-enrollment penalties.
- Medicare Advantage (Part C)
- Medicare Supplement (Medigap)
- Medicare Part D (Prescription)
- Annual Plan Reviews
Health Insurance
Individual and family health insurance plans tailored to your needs and budget. We compare options across multiple carriers so you always get the best value for your coverage.
- Individual Health Plans
- Family Coverage
- Short-Term Health
- Supplemental Health
Long-Term Care
Protect your assets and preserve your independence with long-term care coverage. Plan ahead for nursing home, assisted living, or in-home care costs before they become a crisis.
- Traditional LTC Insurance
- Hybrid Life/LTC Policies
- Asset-Based LTC
- Care Planning Consultation
Fitzpatrick Benefit Advisors LLC offers fixed insurance products only. Fixed annuities and fixed indexed annuities are not securities products and are not subject to securities regulation. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.
Our Network
Carriers We Work With
As an independent advisor, Mechelle works with the nation's top-rated insurance carriers — giving you unbiased access to the best coverage options at the most competitive rates.
Just a few of the carriers we work with:
Fitzpatrick Benefit Advisors LLC is an independent insurance agency. Carrier logos are trademarks of their respective owners and are used for identification purposes only. Availability of products varies by state and carrier.
What Our Clients Are Saying
Real stories from real Georgia families who trusted Mechelle Fitzpatrick with their most important financial decisions.
"Mechelle made the entire Medicare process so easy to understand. I was completely overwhelmed before I called her, and she walked me through every option with patience and clarity. I never felt rushed or pressured. She truly has her clients' best interests at heart."
"We had been putting off getting life insurance for years. Mechelle sat down with us, listened to our goals, and found us a plan that fit perfectly within our budget. She also helped us set up a fixed annuity for retirement income. We finally feel financially secure."
"I called Mechelle after receiving a notice about a Medicare late-enrollment penalty. She explained exactly what it meant, helped me enroll in the right plan, and even showed me how to minimize the penalty going forward. I wish I had found her sooner!"
"Mechelle made the entire Medicare process so easy to understand. I was completely overwhelmed before I called her, and she walked me through every option with patience and clarity. I never felt rushed or pressured. She truly has her clients' best interests at heart."
Testimonials are from real clients of Fitzpatrick Benefit Advisors LLC. Individual results may vary. Names may be abbreviated for privacy.
Know Your Numbers Before You Decide
Use these free tools to estimate your life insurance coverage needs and understand the real cost of missing your Medicare enrollment window.
Life Insurance Needs Analysis
Estimate how much coverage your family needs
This calculator provides an estimate only and is not a guarantee of coverage or benefits. Consult with Mechelle Fitzpatrick for a personalized analysis.
Medicare Late Enrollment Penalty
See how much a delayed enrollment could cost you
If you don't enroll in Medicare Part B or Part D when first eligible, you may owe a permanent late enrollment penalty added to your monthly premium for as long as you have Medicare.
Months without Part B after eligibility
Months without Part D after eligibility
Standard 2026 premium: $202.90/mo
Enter your plan's monthly premium
Penalty estimates are based on current CMS guidelines and are for educational purposes only. Actual penalties are determined by Medicare. Contact Mechelle for a personalized Medicare review.
Ready to turn these numbers into a real plan?
Let's Find the Right Plan for You Free, No Obligation
My services are completely free to you. As an independent broker, I am compensated by the carriers — never by you.
Mechelle Fitzpatrick
Fitzpatrick Benefit Advisors LLC
Licensed & Verified