A real, named, licensed agent — not a call-center funnel.
Richard Williams
Richard Williams Agency · NPN 597029
Richard Williams specializes in mortgage protection — mortgage life and disability income coverage — for homeowners across Florida and 13 other states. Independent and carrier-agnostic, meaning coverage recommendations come from comparing multiple carriers, not from fitting you to a single company's product line.
The approach here is deliberately narrow: this site doesn't bolt on annuities, final expense, cross-sells, or homeowners insurance. Protecting the mortgage payment is a specific problem, and it deserves specific attention. For any other products simply reach out to Richard for additional information.
Licensing
Licensed to sell life and disability insurance in the following 14 states. License numbers are on file and available on request; NPN 597029 is verifiable through the NIPR.
| State | Status | License # | Free-look period |
|---|---|---|---|
| Florida (FL) | Resident | TBD-FL | 14 days |
| Alabama (AL) | Non-resident | TBD-AL | 10 days |
| Georgia (GA) | Non-resident | TBD-GA | 10 days |
| Iowa (IA) | Non-resident | TBD-IA | 10 days |
| Kansas (KS) | Non-resident | TBD-KS | 10 days |
| Maryland (MD) | Non-resident | TBD-MD | 10 days |
| Michigan (MI) | Non-resident | TBD-MI | 10 days |
| New York (NY) | Non-resident | TBD-NY | 10 days |
| Ohio (OH) | Non-resident | TBD-OH | 10 days |
| South Carolina (SC) | Non-resident | TBD-SC | 10 days |
| Tennessee (TN) | Non-resident | TBD-TN | 10 days |
| Texas (TX) | Non-resident | TBD-TX | 10 days |
| Virginia (VA) | Non-resident | TBD-VA | 10 days |
| West Virginia (WV) | Non-resident | TBD-WV | 10 days |
Call Richard directly.
Independent, no scripts, and a five-minute conversation is enough to know whether a real quote makes sense.