We caught up with the brilliant and insightful Miriam Dix a few weeks ago and have shared our conversation below.

Hi Miriam, thanks for joining us today. If you could go back in time do you wish you had started sooner or later?

Yes—without a doubt—I wish I had started sooner. I originally got licensed back in 2001, but I didn’t fully tap into the power and potential of the license until 2014. At the time, I was working in the banking industry, and someone I met there asked me a simple question that ended up changing the course of my career: “Are you licensed?” When I said yes, they offered to show me the ropes of becoming an independent insurance agent. That moment lit the spark.

I started working part-time in the Medicare industry, learning everything I could while still balancing my responsibilities. Years later, I took the leap and went full-time—and that’s when things really began to shift. Today, I’m a full-service agent offering health insurance solutions for both pre-65 and post-65 populations, life insurance, and fixed annuities in the retirement space.

Looking back, starting earlier would’ve allowed me to learn some of the most valuable life and business lessons much sooner—lessons around discipline, structure, client relationships, and business development. I would’ve had the time to test strategies, fail faster, and build stronger systems and processes that could have propelled my business forward at a much quicker pace. I’d be further ahead in terms of growth, stability, and impact.

Still, I believe everything unfolds in its own perfect timing. But yes—starting earlier would’ve given me the opportunity to build a more solid foundation and reach this level of service and confidence even sooner.

Awesome – so before we get into the rest of our questions, can you briefly introduce yourself to our readers.

I’m Miriam Dix, an independent insurance broker and benefits counselor with a passion for helping people make sense of one of life’s most complex topics—health insurance. I operate under the Healthcare Solutions Team, and I specialize in both individual and group coverage, working with clients in the pre-65 and post-65 markets. I also offer life insurance and fixed annuities, providing holistic support for clients planning for retirement and beyond.

My journey into this industry wasn’t linear. I got my license back in 2001, but it wasn’t until 2014—while working in banking—that I found myself at a career crossroads. A colleague recognized my potential and asked if I was licensed. When I said yes, they offered to mentor me and introduce me to the world of independent insurance. That was the turning point. I began part-time, focusing on Medicare, and then transitioned to full-time years later. Since then, I’ve grown into a full-service advisor, helping individuals, families, and business owners navigate the insurance maze with clarity and confidence.

The problems I solve? Primarily confusion, fear, and overwhelm. Whether it’s someone aging into Medicare, a self-employed professional trying to find affordable coverage, or a small business owner wanting to offer benefits but unsure how to begin—I come in as a guide, a strategist, and a partner. My goal is to demystify the process, explain things in real terms, and help clients make informed decisions that serve both their health and their financial goals.

What sets me apart is the personal touch. I don’t believe in one-size-fits-all solutions. Every client is unique, and so are their needs. I take the time to understand their lifestyle, budget, and priorities. My approach is educational and consultative—I want clients to feel empowered, not pressured. I’m also deeply committed to ongoing relationships; many of my clients come back year after year because they trust that I’ve got their best interest at heart.

I’m most proud of the moments when clients tell me they finally understand their options—or when a small business owner says I helped them offer competitive benefits that allowed them to hire and retain great employees. Those are the wins that keep me going.

At the heart of it, I want people to know that my work is about service and solutions. I care deeply about the people I serve, and I see insurance as more than a policy—it’s peace of mind, stability, and the foundation for a more secure future.

Let’s talk about resilience next – do you have a story you can share with us?

One of the most defining chapters in my career—and one that tested my resilience in every way—was when I pivoted from banking into the public sector. I took a position as a Revenue Agent for the Florida Department of Revenue, where I spent five years tasked with collecting delinquent taxes and returns from Florida taxpayers. The department oversees about 18 different taxes, but the most common ones I dealt with were Sales and Use Tax, Corporate Tax, and Reemployment Tax.

Many of the cases I handled involved small business owners who, quite frankly, didn’t know what they didn’t know. They weren’t malicious or negligent—they were simply trying to keep their doors open. Unfortunately, in the world of government enforcement, ignorance isn’t a valid defense. I often had to impose penalties, file liens, and initiate actions against people who were already struggling—people whose accountants or CPAs had dropped the ball or misinformed them.

It was, without question, one of the most demoralizing roles I’ve ever had. Every day felt like a tug-of-war between empathy and enforcement. But it taught me something incredibly valuable: resilience isn’t always about pushing forward—it’s also about standing firm in uncomfortable spaces, learning everything you can, and taking those lessons with you when it’s time to move on.

That experience gave me a deep respect for small business owners and the invisible burdens they carry. It also shaped the way I do business today. I believe in educating my clients, not just selling to them. I know firsthand how a lack of understanding can lead to costly mistakes, and I strive to be the kind of advisor who not only helps people avoid those pitfalls but advocates for them every step of the way.

Can you tell us about what’s worked well for you in terms of growing your clientele?

For me, it’s absolutely been a grassroots approach. I’ve found the most success by simply getting out and talking to people—building relationships, making genuine connections, and showing up consistently in my community.

One of the ways I do that is through my involvement in BNI (Business Network International). Being part of a referral-focused network allows me to connect with other professionals who understand the value of trust-based business. I also host Medicare seminars, which give me the opportunity to educate and empower people while positioning myself as a resource, not just a salesperson.

In addition to that, I’m never shy about asking for referrals. When I’ve helped someone find the right coverage or solve a problem they’ve been struggling with, I ask them to share their experience with others. That word-of-mouth marketing has been incredibly powerful. People want to work with someone they feel they can trust, and personal recommendations go a long way.

At the end of the day, it’s about being visible, approachable, and authentic. The more I engage with people, the more opportunities naturally come my way.

Contact Info:

• Website: https://www.miriamdix.com
• Facebook: https://www.facebook.com/miriamdixinsurance/

Image Credits

These images were taken with my cellphone. Both events.