advanced benefits

health  Insurance  agency

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Insurance is the language of the Practical Life

As an independent agent, we provide several low cost group packages by top rated insurance carriers who will meet your business needs. Feel free to contact us today for your no obligation quotes. ​

There are many different ways we can help keep you and your family safe from the unexpected. From a simple dental plan, to a comprehensive universal life policy, we have a plan for you.

Hello, my name is Thomas Richter and thanks for stopping by my insurance agency located right hear in Houston, TX. I'm here to help you find the right coverage. From a single line quote for your business or family to a complete custom benefits package. I have access to most all Texas markets providing A rated coverage for your health and life benefits.

Business

Welcome

Please Note:   We only service customers living in Texas and all of them are billed directly by the reputable U.S. companies we represent. This agency NEVER bills or collects any premiums directly from our customers.

Billing Policy
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We do not bill any of our customers directly, period. All of our services are provided at no cost to you. We are paid a commission by our companies who do all the billing for us. You can rest assured you are getting the best possible rate with no extra fees tacked on.

Insurance Services


Individual

Individual Add On Dental

Instant Stand Alone Dental Insurance quotes for you and your family.

Group Benefits

Get a custom proposal for your employees group health, dental, disability and life benefits.

Life Insurance