Rick Otis
Insurance That Feels Personal. Advice You Can Trust.
Hi, I’m Rick Otis. I help individuals and families make confident decisions about their insurance — no pushy sales, no confusing jargon, just honest guidance that puts you first.
- Trusted
- Experienced
- Professional
More Than an Agent — A Partner in Your Peace of Mind
Meet Rick Otis
I’ve been in this industry long enough to know what frustrates people about insurance: too many options, too much fine print, and not enough real conversations. That’s why I do things differently.
01.
Life Insurance
Life insurance is more than a financial product — it’s a promise. A promise that if something ever happens to you, your family won’t face that hardship alone. Whether you’re thinking ahead for your children’s education, a mortgage payoff, or just want to ease future burdens for loved ones, the right life insurance plan offers more than coverage — it offers comfort. I take time to explain your options so you know exactly what you’re putting in place — and why it matters.
02.
Health Insurance
Navigating health insurance shouldn’t feel like decoding a foreign language. Between rising medical costs, complicated networks, and fine-print coverage limits, many people feel stuck with the wrong plan. I help you cut through the confusion. Whether you’re self-employed, changing jobs, or just fed up with your current provider, I’ll help you find a plan that balances coverage, cost, and clarity — so you can focus on your health, not your bills.
03.
Advanced Markets Life Products
Looking to build wealth while protecting your future? Advanced Markets Life products like Indexed Universal Life (IUL) policies and annuities offer tax-free growth, a death benefit, and flexible retirement planning.
These tools go beyond basic coverage — they’re smart strategies for long-term financial security. I’ll help you explore how they fit into your goals and maximize your financial potential.
Why People Work With Me
Accurate Record Keeping
Choosing insurance isn’t just about finding the best price — it’s about trusting the person who’s guiding you through the process. Here’s what sets this experience apart.
Advice That Puts You First
No pressure. No upselling. Just honest conversations about what you actually need — and what you don’t.
Real Support, Start to Finish
You won’t get passed off to a call center. I’m here when you have questions, need help with claims, or just want to talk things through.
Options That Actually Fit
Because I’m independent, I’m not tied to any one provider — which means I can find coverage that works for your life, not someone else's sales quota.
Testimonials
What My Clients Say?
Request A Quote
Frequently Asked Questions
Got questions about your insurance options? We’ve got answers, shared with the clarity you’d expect from a trusted friend.
What types of insurance do you offer?
I provide a wide range of insurance solutions including life insurance, health insurance, Indexed Universal Life (IULs), annuities, and advanced market strategies tailored to your financial goals.
How do I know which insurance plan is right for me?
I take the time to understand your personal and financial situation, then match you with the most suitable options from over 8 top-rated insurance carriers — no one-size-fits-all plans here.
What’s an IUL and how does it work?
An Indexed Universal Life insurance policy (IUL) combines life insurance coverage with tax-advantaged growth based on market indexes. It’s a great option for building wealth while maintaining a death benefit.
Do you charge for consultations or quotes?
No. All consultations and quotes are completely free. I’m here to guide you without any pressure or obligation.
Can you help if I already have insurance but want to review it?
Absolutely. I’ll help you assess your current coverage to ensure it's still the best fit for your needs and budget.
How soon can my insurance coverage start?
In many cases, coverage can begin as soon as your application is approved. The timeline depends on the type of policy and provider.
Why should I work with an independent insurance producer like you?
As an independent producer, I’m not tied to any single company — I work for you, not the insurance companies. That means you get unbiased advice and access to a wider variety of options.
How do I get started?
Just reach out via phone, email, or the contact form. I’ll schedule a free consultation to explore your options and find the right plan for you.
Have more questions? Reach out via phone or email —we’re ready to help with your insurance needs!
