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

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Ralph Richardson Insurance

Group Health Plans

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

Is life insurance really necessary? 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.

Life Insurance for Agents

As an insurance agent and financial solutions provider, you deserve a marketing organization that not only provides great products and service but a true partnership that is dedicated to your success.  Click here for more information…
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Annuities and Retirement Solutions. Resource videos to help you make wise decisions for the future.

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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.

Individual Health Plans (Limited-Benefit Medical Insurance)
Limited-benefit medical insurance plans are plans with much lower and more restricted benefits than major medical insurance, but with lower premiums.  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.

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.

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…

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.

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

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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.