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

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

 

Services

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.
  • Annuities: 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.
  • I.R.A. : A plan that individuals may establish to arrange and plan for retirement. Generally, an IRA plan allows you to save money and defer taxes until you retire. IRA plans have annual contribution limits that are established by the government and rise gradually with inflation; individuals age 50 and older can make slightly higher “catch-up” contributions.
  • 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.

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.

Key-person insurance is more of a type of insurance policy than an actual policy, the term is used somewhat loosely and may include other insurance used for other business specific purposes, including: Buy/Sell Insurance (Shareholder Insurance) Debt Protection Revenue Protection

This allows us to specialize in all dimensions of trades and stocks, because we have a specialist within the team for every scenario.

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.

This allows us to specialize in all dimensions of trades and stocks, because we have a specialist within the team for every scenario.

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We work with our clients and do a deep analysis of their business. We help prepare possible outcomes to different decisions.

This stops companies from taking drastic measures like downsizing or closing down sites; those things happen only with no or bad financial projections.

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.

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.

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.

Key-person insurance is more of a type of insurance policy than an actual policy, the term is used somewhat loosely and may include other insurance used for other business specific purposes, including: Buy/Sell Insurance (Shareholder Insurance) Debt Protection Revenue Protection

This allows us to specialize in all dimensions of trades and stocks, because we have a specialist within the team for every scenario.

New

We work with our clients and do a deep analysis of their business. We help prepare possible outcomes to different decisions.

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completed cases

with applied services.

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years of experience

on number of industries.

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awards winning

on various competitions.

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Satisfied customers

from all around the world.

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Limited time offer: Guaranteed Life Insurance

State of Florida employees

Upcoming open enrollments for employees for the State of Florida and Leon County Government

 You are qualified to use payroll deduction to purchase supplemental life insurance, above and beyond that of your state/county life insurance. There are two types of insurance available to the employees of the Leon County Government: Universal life and Group Term.

Ready to Reduce Your Rates?

For nearly half a century, Richard Smith & Associates, 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.

 

Make an Appointment

http://richardsmithandassociates.com/
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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.

  • +1 850 877 1445
    +1 800 342 0209
  • 1824 Miccosukee Commons Dr.
    Tallahassee, Fl. 32308
  • Mon–Thur: 9:00 AM–4:00 PM
    Friday: 9:00-3:00
    Saturday & Sunday: Closed