For those who are not employed by the state of Florida....

Richard Smith and Associates still has the coverage you may need. In addition to representing many employees of the state of Florida, we also represent many independent businesses and individuals specializing in life, health and disability. For further details about which coverage is right for you, please don't hesitate to call us at 1-800-342-0209/(850)877-1445 or email us at:

rsmith@richardsmithandassociates.com

Forms of Coverage Available

Life Insurance:

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.

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: This policy is available from age 40 on. Also, with this policy you pay the same premiums for as long as you live.

Health Insurance:

ppppWe offer short-term and long-term health care. Also, for your additional health care needs, we offer intensive care and cancer coverage.

Disability Coverage:

pppp 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