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What is Medicare Advantage? Members get their care from a network of doctors and hospitals A Medicare Advantage plan is a private health insurance plan.

The three main components of the life insurance contract are a death benefit, a premium payment and, in the case of permanent life insurance, a cash value account.

These days, however, people are living longer. Its not unusual for someone retiring at age 65 to live to age 90 or longer. You may need to plan for your nest egg to potentially last 25 to 30 years.

Earns a guaranteed rate of interest for a set period of time Principal and interest are guaranteed by the financial strength of the insurance company that issues it.

about us

Established in 1981, our agency has serviced the state of Florida employees and their families through payroll deduction for supplemental life insurance: individual as well as group. Because we believe that Service is Our Best Policy, our goal is to provide personalized service to each and every client. Although a majority of our clients are state employees, we also represent many independent businesses and individuals throughout the state of Florida. Supplemental Insurance for Your Peace of Mind

At Richard Smith and Associates Inc., we sell supplemental insurance above and beyond your state insurance. Ask yourself ? Do you have enough coverage? We believe the answer is an additional insurance policy, for that added sense of security for your family’s future. Service is Our Best Policy -by Richard Smith

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Here are a few types of investment strategies we utilize

life insurance

Life insurance is designed to provide financial security for relatives of the deceased, most commonly spouses and children. If you support someone with your income or your time and they won’t be able to provide that support for themselves without you, then you need life insurance.

Fixed-Annuities

Fixed-Annuities can be structured according to a wide array of details and factors, such as the duration of time that payments from the annuity can be guaranteed to continue.

Disability Coverage

An insurance product that provides supplementary income in the event of an illness or accident resulting in a disability that prevents the insured from working at their regular employment. Benefits are usually provided on a monthly basis so that the individual can maintain their standard of living and continue to pay their regular expenses.

client testimonials

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Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries,

john smith

client

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries,

john smith

client

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries,

john smith

client

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries,

john smith

client

At Richard Smith & Associates,

our goal is to provide professional insurance sales and service to Florida residents and businesses. Based in Tallahassee, Florida, our insurance agents want to make every interaction a positive experience for our customers.

We Offer a Broad Range of Investments and Insurance Products

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300000

With Applied Services.

40

on number of industries.

25

on various competitions.

280000

from all around the world.

Reliance Standard Life Insurance - Open Enrollments...Limited time offer: Guaranteed Life Insurance

State of Florida employees: F.D.O.T, Financial Svcs., Dept. of Health, Dept. of Education. Open enrollment period: 03/01/19 thru 04/30/19

Looking for a first-class competitive Life Insurance quote?

We know that cost can be a concern, so we will present you with quotes that are marketplace competitive.

Ready to Reduce Your Rates?

For nearly half a century, Richard Smith & Associates Inc, has been providing personal and business insurance services throughout the Tallahassee area and the state of Florida. We know that cost can be a concern, so we will present you with quotes that are marketplace competitive.

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latest news

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News
  • april 22,2020
  • life insurance

What Happens in Term Vs Whole Life Insurance?

Source: What Happens in Term Vs Whole Life Insurance? The post What Happens in Term Vs Whole Life Insurance? appeared first on Life Insurance Mentors.

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News
  • april 22,2020
  • life insurance

What Happens in Term Vs Whole Life Insurance?

Term vs Whole Insurance If you are confused and want to know what’s the difference between term and whole life insurance you are in the right place.

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  • april 22,2020
  • life insurance

Annual Renewable Term Insurance Policy Explained

“Though least suggested, an annual renewable term insurance (ART) policy is sometimes worth it if fits your situation.” What Is an Annual Renewable

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