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About Richard E Smith

Hello,

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

– 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.

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