Timothy Peddycoart

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Timothy Peddycoart

VitalShield Insurance

(763) 290-1267

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Tim Peddycoart is the founder of VitalShield Insurance, an independent Medicare and life insurance agency serving Minnesota, Florida, and clients in multiple states. With over 20 years of experience, Tim helps individuals turning 65 and those already on Medicare make confident, informed decisions about their coverage.

Unlike captive agents, Tim represents multiple top-rated insurance companies, allowing him to compare plans and find the best fit based on each client’s doctors, prescriptions, and budget. His approach is simple-educate first, eliminate confusion, and help clients avoid costly mistakes.

Tim specializes in Medicare Advantage, Medicare Supplement plans, and prescription drug coverage, as well as life insurance solutions designed to protect families and create financial security.

If you’re approaching Medicare or want a second opinion on your current plan, Tim offers straightforward guidance with no pressure - just clear answers and real options.

Products Offered:
Medicare Supplement, Medicare Advantage, Life Insurance, Health Insurance, Final Expense, Dental Plans, Annuities, Long Term Care, Disability Insurance, Mortgage Protection, Prescription Drug Plans, Cancer/Heart/Stroke, Accident Insurance, Financial Advisors

States Serviced
AZ, FL, IL, IN, MI, MN, ND, SD, TN, TX, WI

Frequently Asked Questions

Your Initial Enrollment Period (IEP) is a 7-month window: 3 months before your 65th birthday Your birthday month 3 months after Miss this window and you could face: Lifetime penalties Delayed coverage 👉 If you're unsure where you fall, start with this guide: 👉 Turning 65 Medicare Minnesota https://vitalshieldus.com/blog/post/medicare-faq-s

Articles & Insights from Timothy Peddycoart

Medicare Agent Florida for People Turning 65
Medicare Supplement Mar 30, 2026
Medicare Agent Florida for People Turning 65
 Indexed Universal Life
Life Insurance Mar 26, 2026
The “Secret” Wealth Strategy Wall Street Doesn’t Want You to Know About… (And Why Smart People are Flocking to It)
The Wall Street Lie & Your Private Vault - What I am about to tell you is going to make you very angry. It might even make you want to throw your laptop through a window.
 Medicare Advantage or Medigap?
Medicare Advantage Mar 26, 2026
Medicare Advantage vs. Medicare Supplement: Which is Better for You?
The blog post basically breaks down the classic Medicare showdown: Medicare Advantage (Part C) vs. Medicare Supplement (Medigap) Medicare Advantage: Low (or $0) monthly premiums, but you pay as you go with copays and stick to a network. Plus, you usually get extra "perks" like dental and vision. Medicare Supplement: Higher monthly premiums, but it covers almost all your out-of-pocket costs and let’s you see any doctor in the U.S. that takes Medicare. No networks, no "perks,"
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Health Insurance
Medicare Advantage
Dental Plans
Life Insurance
Medicare Plans in MN
The Medicare Code
Medicare Agent Florida for People Turning 65 (2026 Guide)

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