brand-name, A-rated insurers, such as:
About Our Site and Services
A little about us.
Our nationwide insurance agency specializes in marketing high deductible health plans in more than 30 states. Primarily, our clients include the self-employed, individuals, and families. We also provide small group benefits for interested groups (up to 30 employees). In addition, we offer a comprehensive lineup of ancillary products, including:
- Life insurance
- Disability income
- Supplemental health plans (accident, cancer, etc.)
- Medicare supplement coverage, and
- Temporary (short-term) health coverage (get coverage tomorrow!)
We like to do things right. Accordingly, we offer coverage only through highly rated carriers with excellent reputations for quality service. In every situation, we always provide carrier-direct rates. This means that you get the same rates through our agency as you would get by going direct to the insurer.
When you go through our site, you allow me to become your agent of record, and that is a responsibility I take seriously. I've been in business since 1980 - must be doing something right. You may be surprised what that kind of experience can do to help you navigate the financial waters. Click here to learn more about my professional background.
How we conduct business online.
This is our virtual office. We provide the same high level of customer service to our online clients as those we've met in person through one of our several brick and mortar offices or satellites. In fact, we've had many clients who say our online service is second to none. After all, we're only a phone call or email away, with extended communication available up to 16 hours a day and on weekends.
In case you didn't know, you really do need to be careful doing business online. That's why I'd like to briefly explain how we do things. First, it's important to know that I actually have an insurance license to conduct business in your state (if I don't I'll refer you to someone who does). This may seem trivial but it's very important - many people do not realize that the vast majority of "insurance-based" websites are not operated by licensed agents - they are "shells" designed for one reason - to get your personal information which is then sold and resold to numerous anonymous agents. We think that is a stinky thing and frankly, we're not quite sure how they get away with it.
In any event, the point is that we never sell or give away your information to anyone else. It's all kept with us, and it's confidential. In fact, after we work up your quotes, the personal information is destroyed (per HIPAA regulations).
If you do decide to purchase insurance coverage that we have recommended, we also provide a DIRECT LINK to that insurance company. This gives you ultimate confidence in knowing that nobody has your information except people who actually need it (at the insurance company).
How to surf the site.
If you'd like to learn more about how health savings account plans can save you a ton of money, I recommended clicking on the link to the right that says "How an HSA works." That's a good place to start.
Remember, if things get confusing, don't worry. Just pick up the phone and call me. I'll be glad to help.
Thanks very much. I'm glad you stopped by and I look forward to helping you establish your new HSA savings plan.
C. Dean Richard, JD, MSBA "the HSA king"
Independent Licensed Agent/Broker since 1980
p.s. We can help with your health insurance needs even if you're not interested in the HSA concept. You'll probably end up paying higher premiums, but if you're ok with that, then we're ok with that.