Our Products
Richmond & Associates, LLC is an independent insurance and financial services agency. We represent a large number of top-rated insurance companies, but the insurance companies do not employ us. This allows us to locate the best rates for you and then place your business with the company offering the best value. Whether you need help with your business or personal insurance, we are here to help. David Richmond is licensed to sell insurance and other financial products in NY, NJ, and PA.
We invite you to read all about the insurance and financial products we can offer and to contact us for an in-depth discussion of your financial goals.
Life Insurance- Many people think that life insurance is only for people with families. While it is true that life insurance can help provide for the needs of dependents, life insurance also can be an important part of a well-thought-out estate, business succession or charitable giving plan. And permanent life insurance offers many living benefits as well, such as tax-deferred accumulation. For all of these reasons, life insurance can be important for someone starting out — or for someone who's starting over.
You can use the articles on this site to learn more about the various types of life insurance that are available.
Whole Life- Whole Life insurance is also known as permanent insurance. You receive coverage for your entire life, as long as premiums (which are a set amount per period) are paid. Whole life policies accumulate cash value tax-deferred.
Term Life - Term Life policies provide coverage for a specific amount of time – such as 5 years, 10 years or 20 years. Term premiums are often less expensive than whole life premiums, but once the term of the policy is complete, coverage terminates. There is no accumulation of cash value.
If you are interested in applying for up to $250,000 of term life insurance online, please click here.
Universal Life- Like Whole Life, Universal Life is a permanent insurance policy, which means that it covers you for your entire life, as long as premiums are paid. Universal life, however, offers you flexibility that enables you to change your premiums and death benefit as your needs change.
Survivorship Life- Survivorship life insurance – available as whole life, universal life or variable universal life# – covers two people and provides payment of the proceeds when the second insured individual dies. Survivorship life insurance is often used to help meet estate planning or business continuation goals.
Annuities -Fixed, and equity indexed annuities are available. They can help you defer taxation on earnings now and structure periodic payments in the future.
Deferred annuities offer the advantage of tax-deferral and can be used to accumulate money for retirement.
Income annuities are used to generate a stream of income payments that is guaranteed to last for as long as you need it to -- even for the rest of your life.
You can use the articles below to help you learn more about which annuity might be right for you.
Fixed Interest Deffered Annuities- With a Fixed Interest Deferred Annuity, the interest rate on your policy is guaranteed never to fall below a certain amount. For many people, this provides a measure of security about their investment.
Immediate Income Annuities- As the name implies, Immediate Income Annuities are annuities under which income payments begin immediately – one period after the annuity is purchased.
Long Term Care Insurance-Richmond & Associates, LLC offers many Long Term Insurance options through various independent insurance carriers. These options are designed to help protect your assets and preserve your freedom of choice.
Other Products/Services - At Richmond & Associates, LLC our goal is to be the single source for all your insurance and financial services needs. Please review the products and services listed below.
Individual Health Insurance
Aetna individual plans are available for PA residents only. Small group plans are availabe in NY, NJ and PA.
Aetna
Dental
 Medicare Supplements, Medicare Advantage & Prescription Plans - Competitive rates and a wide selection of plans offered through multiple insurance carriers. Call us at 570-424-9401 for help with your needs or Contact Us via email.
Property and Casualty Insurance
Personal Lines: Auto - Homeowner - Renters - Condominiums - Dwelling Fire - Boat -Umbrella - Flood - Motorcycle - Snow Mobiles
Commercial Lines: Auto - Contractors - General and Professional Liability - D&O and E&O Liability - Business Owners - Bonds - Workers Compensation.
Other Services
Instant plates, title transfer and motor vehicle registration services
Notary services, *help with paying off your mortgage in 1/3 to 1/2 the time (See featured link on the home page)
*Service offered through United First Financial, by David Richmond, United First Financial Independent Agent.
The insurance companies avialable to us include Bristol West, Progressive, MetLife® Auto & Home, AIG, One Beacon, Merchants Group, Chubb, American Modern, Fidelity, Franklin, Hartford, Foremost, Peerless, St. Paul Travellers, Zurich, Safeco.
To obtain a Free quote on any of the Property and Casualty insurance lines referenced above, fax your current policy declarations page to (570) 424-9209 or click here and provide us with the necessary information.
Need a little help in deciding which products would be right for you and your family? Please use the Contact Us button to e-mail us. We can help you analyze your needs and recommend appropriate products.
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