Thank you for considering our agency to help with your health insurance needs.

Currently, we are providing health plan quotes for residents of the following states.
If you reside in one of the states listed below, please click this link to get quotes.*


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  • Arizona
  • California
  • Florida
  • Georgia
  • Indiana
  • Iowa
  • Maryland
  • Michigan
  • Missouri
  • Nevada
  • North Carolina
  • Ohio
  • Oklahoma
  • South Carolina
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Wisconsin

If you prefer even faster and more personalized service, call our offices and I'll personally work up your quotes for you while you're on the phone: 702.425.5250. Either way, please know that when you use our website, you'll be dealing direct with me. I am the broker and I've been continually licensed and in business since 1980. If I can't help you, nobody can.

TIP: If you have a quick question use the "contact" link at the top of the page to send a quick email.

Thanks for visiting! I look forward to helping you and to your becoming a new valued client of our little agency.

C. Dean Richard, JD,** MSBA***
"the HSA king"
Licensed Ins. Agent/Broker since 1980
Best Insurance Advice on the Planet

*Unfortunately, we are unable to provide quotes to residents of states not listed above. Although this is due to a variety of reasons, the stark reality of it is that insurance commissions have been drastically reduced as a direct result of healthcare reform. Consequently, we have elected to focus our efforts in thriving, competitive markets where business is brisk.

**Doctorate of Jurisprudence (law degree)- 1996, Texas Tech University School of Law
***Master's of Science in Financial & Tax Planning - 2004, San Diego State University

We are a duly-licensed, INDEPENDENT insurance agency/brokerage firm.

To ensure your confidence, we provide CARRIER-DIRECT rates from brand-name, A-rated insurers such as: