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Our risk management division offers an array of insurance products to meet the needs of everyone regardless of need – budget, mode of payment, or medical condition.  Working together, we’ll cut through the noise and help you find the right solution. 

Accidental Death Coverage - Accidents can happen anywhere, anytime, to anyone.  Find an affordable protection solution in case the unforeseen occurs.

Guaranteed Issue/Guaranteed Acceptance – This means that if a community member was turned down for cancer, heart disease, insulin diabetic, HIV/AIDS, etc. they can still get coverage with life insurance.

Mortgage Protection - There are many options for protecting a mortgage while taking into account terms and cost.  With a level or decreasing Term life insurance, you can choose the best solutions for your family.

Term Assurance - Life insurance that provides coverage at a fixed rate of payments for a limited period of time.


Whole Life - Coverage guaranteed to remain in force for the insured's entire lifetime, provided required premiums are paid, or to the maturity date, which varies by insurance carrier.

It's a fact that ALL insurance products are sold on a commission-based model, whether you buy online or through a licensed agent. My focus is providing a personal, professional service to you.  My consultative approach is structured in a way to give you the information you need to make the best decision for you and your family.

Questions?  Call or Email 

813-421-4037

​rico@finallovingact.com