About
Charlie M Richardson works with individuals, families and business owners across USA. Because the practice is independent, recommendations begin with what you need rather than a single company’s product shelf, and quotes are compared across 30+ A-rated carriers.
The work covers health insurance, Medicare, group and employee benefits, life insurance including Indexed Universal Life, retirement income planning, disability income protection and business owner coverage.
Free
Consultation
Regular
Support
One on one
Conversation
Reliable
Professional help
What makes us apart
Group health and employee benefits let a business offer medical, dental, vision, and supplemental coverage to its team through one plan. We help USA employers compare carrier networks, contribution structures, and plan tiers so the benefits package fits both the budget and the people it is meant to protect.
An Indexed Universal Life policy pairs permanent life insurance protection with a cash value component whose crediting is tied to the performance of a market index, subject to caps and floors set by the carrier. It can suit families who want lifetime coverage alongside a longer-term accumulation option. We walk through the illustrations line by line, including costs and limitations.
Let’s protect
A short conversation is usually enough to see where your coverage stands today, what a gap would actually cost your household, and which carriers price your situation best. No pressure, no cost.
Final word
One short conversation. Real options, real numbers. No pressure, no spam, no cost.
