Welcome to Richard Smith and Associates Inc., where "Service is Our Best Policy."

Established in 1981, our agency has serviced the state of Florida's 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. If you are interested in additional supplemental insurance, please select the appropriate link on the left, give us a call at 1-800-342-0209/(850)877-1445 or send us an email at:

rsmith@richardsmithandassociates.com

We Have The Right Policy for You

There are three types of supplemental insurance policies that we sell at highly competitive rates:

Universal Life: This policy is the same as a traditional policy, yet it has features that make it a valuable financial tool. To learn more about this type of policy please select your employer’s link on the left.

Group Term Life: This policy offers death benefits for a specified amount of time with a guaranteed premium amount. To learn more about this type of policy please select your employer’s link on the left.

Whole Life: Non-Par Whole Life is a traditional, non-participating whole life policy with a level death benefit. All premiums,cash values and benefits are guaranteed.

Disability Coverage: This policy offers a flexible plan that can be designed to suit your needs. To learn more about this policy, give us a call at : 1-800-342-0209 or email us at:

rsmith@richardsmithandassociates.com

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