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About Richard E Smith


I’m Richard E Smith, a licensed Florida insurance broker. My wife and I are 22-year residents of southwest Florida. We have two adult children (gone), a son-in-law, a grandson (1-year-old in 2020!!!), a fur child (he has hair) and a fur grandchild (she has fur)! My father doesn’t reside in Florida, but my mother-in-law does. I’d call them elderly except I don’t wish for the headache that would ensue.

After the blizzard of 1998, my wife and I were over snow and cold. So we packed up and moved the family to Naples Florida.

My wife went into real estate. I opened a boutique web development company specializing in building and marketing Florida real estate websites. With 18 years in the business and margins being squeezed tighter and tighter, I sold my client accounts. (I did keep my wife and a couple of personal friends web properties.)

About that time, we lost my wife’s father. The sad part about that was that had he had the proper Medicare plan for his situation – he’d probably still be alive.

Soon after, I was diagnosed with stage 4 colon cancer! Luckily, I had one of America’s best surgeons and Florida’s best oncologist. Thank you Dr. Vernava and Dr. Wang!

After 2 hospital stays, 3 surgeries and 8 months of chemotherapy, I’m quite happy to say I’m cancer-free!

So while I was going through my cancer treatment, I decided I needed to go back to work. After consulting with my wife and my daughter (an insurance producer specializing in employee benefits) I decided to get my life and health insurance license.

I specialize in Medicare, life insurance and supplemental insurance coverage. I also have access to on and off-exchange health insurance plans.



– Medicare Supplement Plans
– Medicare Advantage Plans (AHIP-certified)
– Medicare Part D Prescription Drug Plans

Life Insurance

– Term Life
– Whole Life
– Universal Life
– Legacy Endowment
– Long-term Care
– Mortgage Protection
– Buy-Sell Agreement Funding

Supplemental Insurance

– Hospital Indemnity Plans
– Accident Plans
– Cancer, Heart Attack/Stroke Plans
– Income Protection Plans


Health Insurance

– On & Off-exchange Plans
– Individual & Family Plans
– Short Term Plans

Small Business

– Buy-Sell Agreement Funding
– Key Person Insurance
– Group Health Insurance

I’m different in that, I don’t work for the insurance companies, I work for you! I don’t care what plans or companies you choose. I work to get you the best possible coverage at a price that fits your budget.

Speak With Richard

Complete the form below and I will contact you at the requested time either today or tomorrow.

Or call 239-596-8449

This website provides information for the reader to choose to request more information about life insurance, insurance for small business, health insurance, Medicare, and supplemental insurance including how to request a quote. By requesting a quote, you agree to our Privacy Policy and our Terms & Conditions. If you submit your personal information, you are making a consumer inquiry for life insurance, insurance for small business, health insurance, Medicare, and supplemental insurance through me as a licensed insurance producer as more fully described below. By proceeding, you give your consent and expectation to be contacted by Richard E Smith and/or associates. Any health or personal information shared is protected by applicable privacy laws and regulations, including HIPAA.

Invitations on richardesmith.com for application for insurance are made through Richard E Smith an independent agent/producer. Richard E Smith is a licensed insurance producer in Florida (License# W568154).

Commercial use by others is prohibited by law. No portion of richardesmith.com may be copied, published, faxed, mailed or distributed in any manner for any purpose without prior written authorization from the owner.

Insurance policies described, quoted, shown, and illustrated throughout this website are not an offer for the sale of any particular insurance policy or product, only an invitation for application for insurance coverage and may not be relied upon. There are many variables in different insurance coverages and companies, including various insurance company standards and offerings, underwriting requirements and may not be available in all states.

We do not sell your personal information to anyone! You will not receive unsolicited, intrusive calls or emails from other agents and companies across the country. If you do provide your telephone number, Richard E Smith and/or his associates may call or text message/SMS you at the phone number(s) above, including your wireless number if provided. Normal charges may apply. This call may be generated using automated technology and if we're unable to reach you when we call, we may leave you a pre-recorded message, so you can call us back. Your consent to us calling is not required to get a quote or make a purchase and may be revoked at any time. You may simply call us at 239-596-8449. | Privacy Policy | Terms of Use