Phone: 409-834-2480 In Houston: (713)-954-7274

RVR InsuranceRalph V. Richardson Insurance

Ralph Richardson Insurance

Retirement and Insurance Services

Employee Benefits

We make your job as an employer easier in providing employee benefits. How? We offer a complete cafeteria suite of options and provide each client with white glove services such as online enrollment and on-going professional support through RBG.

Affordable Simplified Issue Home Health Care Insurance Plans

Like most Americans, so you prefer to recuperate at home?

Can I combine my short-term home health care benefits with coverage for hospital stays and accidents to enhance my coverage? Yes

Do I have to have a prior hospitalization stay to receive Benefits? No


Need A Quote

Complete the Request a Quote form by clicking here. One of our experienced providers will be in touch shortly.

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Group Health Plans

Ralph Richardson Insurance can provide quotes for the majority of major health plan providers, both for Employers and for Individuals.. Click here to learn more.

Life Insurance for Individuals

Is life insurance really necessary? Click here to learn more.
Group & Voluntary Life / AD&D
Group Life Insurance / AD&D is an important benefit and Group Life Insurance is most often less expensive than an individual policy.   Click here to learn more…
Individual Health Plans

These individual health plans offer a much lower premium than ACA Plans without adding costs for unnecessary coverage. These plans are intended to provide you and or your dependents with basic medical coverage for specified diseases and medical conditions, as well as accidental injuries.

To learn more, click here to learn more.

home healthcare

Home Healthcare & Facility Benefits

Like most Americans, we hope to never have to go to a nursing home to recover or recuperate.  Unfortunately, that is routinely not the case. With the short term home health care policy we offer, even if you have other insurance, benefits will be paid to you directly. Click here to learn more. 

Employee Benefits

Employee Benefits

RVR Insurance can provide a complete cafeteria suite of employee benefit services and provides value added service through Rogers Benefits Group (RBG), free of charge. You will be assigned a personalized Service Account Rep available 9 am to 5 pm. Click here for more info.

Future Retirement Solutions by Ralph Richardson Insurance
Annuities and Retirement Solutions. Resource videos to help you make wise decisions for the future.

The Cure for Lazy Money


Short-Term Medical
Why Buy Short-Term Medical?  Short-term medical (STM) insurance plans are designed for healthy individuals and families to bridge gaps in health care coverage.They offer the security of coverage and provide protection from catastrophic and unexpected healthcare emergencies.

Click here to determine if this offering applies to your situation…

Medicare Supplement Insurance
A Medicare Supplement Insurance policy, commonly referred to as “Medigap,” helps pay some of the health care costs that Original Medicare does not cover, such as copayments, coinsurance and deductibles.

To read more, click here to learn more.

Dental / Vision Insurance
Dental & Vision
Individual Dental or Group Dental is one of the benefits most requested.  Vision insurance can be offered on an individual basis or, as an Employer, paid or Voluntary Basis.

Click here for information on individual dental and vision insurance.

For Employers, click here to see how you can offer your employees this valued benefit.

Voluntary Accident Coverage
Accident insurance helps provide a layer of protection for employees and their dependents that major medical plans may not cover.

Read more…

Group & Voluntary Long Term Disability (LTD) and Short Term Disability (STD):

Lon and Short Term Disability insurance protects the one thing that most people need the most when they cannot work, their Income. We can help find a plan, whether it be Short or Long Term Disability that can help make this option affordable to the Employer AND the Employee.

Click here for more information…

Final Expense Plans
These are smaller, permanent life insurance policies, usually with a $50,000 or less death benefit and a guaranteed premium.

Generally easy to qualify for with no physical exam required, these plans are “shopped” by our agency based on your health and matching lowest rate.

Call for details and rates.

An Exclusive Benefit Plan for Engineering Firms

ACEC Life/Health Trust Alliance describing multiple benefits for engineering firms.

Click here to learn more.


Need A Quote

Complete the Request a Quote form by clicking here. One of our experienced providers will be in touch shortly.