Call: 972-619-6288
Life & Health Insurance Agent in Richardson Providing Personalized Coverage Solutions
Finding the right insurance coverage is an important step in protecting your health, your family, and your financial future. At 12 Stones Financial Services, we provide personalized life and health insurance solutions for individuals, families, and businesses throughout Richardson.
As a trusted life and health insurance agent in Richardson, our goal is to simplify the insurance process by helping clients understand their options, compare coverage solutions, and choose plans that align with their personal needs and long-term goals.
Whether you are looking for health insurance coverage to protect your medical needs or life insurance to provide financial security for your loved ones, our experienced team is here to provide professional guidance and support.
Comprehensive Life & Health Insurance Services in Richardson
Insurance needs vary from person to person, which is why we take a personalized approach to every client we serve. At 12 Stones Financial Services, we help Richardson residents explore insurance options that provide protection, flexibility, and peace of mind.
Our life and health insurance services include:
Individual health insurance guidance
Family health insurance solutions
Life insurance planning
Term life insurance options
Long-term protection strategies
Coverage reviews and comparisons
Personalized insurance consultations
We help you understand your choices and select insurance solutions that fit your healthcare needs, financial goals, and lifestyle.
Trusted Health Insurance Agent in Richardson
Healthcare costs can be unpredictable, making reliable health insurance coverage an important part of financial planning. As an experienced health insurance agent in Richardson, 12 Stones Financial Services helps individuals and families explore coverage options that provide access to quality healthcare while considering affordability and personal needs.
Our team helps clients understand:
We help you understand your choices and select insurance solutions that fit your healthcare needs, financial goals, and lifestyle.
Available health coverage options
Plan benefits and features
Life insurance planning
Individual and family insurance needs
Important factors when comparing plans
We take the time to explain your options clearly so you can make informed decisions about your healthcare coverage.
Health Insurance Solutions for Individuals and Families
Every family has different healthcare requirements. Whether you need coverage for yourself, your spouse, or your entire family, having the right guidance can make the process easier.
At 12 Stones Financial Services, we help clients evaluate health insurance options based on their specific situations, including:
- Current healthcare needs
- Preferred doctors and providers
- Budget considerations
- Coverage preferences
- Future healthcare planning
Our goal is to help you find a health insurance solution that provides confidence and protection.
Life Insurance Protection for Your Future
Life insurance plays an important role in protecting the financial security of your loved ones. A properly designed life insurance plan can help provide support for your family and help cover important financial responsibilities.
As a trusted life insurance agent in Richardson, 12 Stones Financial Services helps clients explore life insurance options based on their personal goals and circumstances. Life insurance can help with:
- Family financial protection
- Income replacement planning
- Future financial security
- Final expenses
- Long-term planning goals
We work with you to understand your priorities and support your future plans.
Personalized Guidance From Experienced Richardson Insurance Agents
We do not believe in generic recommendations. Instead, we take the time to learn about your needs.
Choosing insurance coverage can be confusing without professional guidance. Our team at 12 Stones Financial Services believes in making insurance easier to understand. We explain your options and provide guidance that helps you make confident insurance decisions.
Our approach includes:
- Understanding your goals
- Reviewing available options
- Explaining coverage details
- Answering your questions
- Providing ongoing support
Why Choose 12 Stones Financial Services?
When searching for an insurance agent in Richardson, you want a team that provides honest guidance and personalized service.
At 12 Stones Financial Services, we are committed to helping clients find insurance solutions that provide meaningful protection.
Experienced Professionals
Work alongside dedicated advisors with extensive expertise in life and health planning.
Personalized Recommendations
We adapt our process around your actual profile rather than generic product offerings.
Clear & Simple Explanations
We translate industry jargon into clean, helpful guidelines you can easily act upon.
Support Throughout the Process
Our team guides you patiently from researching options to executing your policy selection.
Solutions Designed Around You
Every product represents custom architecture designed specifically for your personal parameters.
Commitment to Client Satisfaction
Our mission is to help individuals and families protect what matters most through reliable insurance solutions.
Confused About Medicare Enrollment?
Our Licensed Guidance is Available to You at NO Cost
Medicare FAQ's
What’s the difference between Original Medicare and Medicare Advantage?
Original Medicare is Part A + Part B. Medicare Advantage is offered by private companies and is an alternative way to get Part A + Part B (and usually Part D), often with networks and different cost structures.
Can I have Medigap and Medicare Advantage together?
No — Medigap supplements Original Medicare; you generally can’t have both at the same time.
When should I enroll?
Most people start during the 7-month Initial Enrollment Period around turning 65.
What do I do if I am planning to work past the age of 65?
If you’re working past the age of 65, the “right” Medicare step depends mainly on whether you have health coverage through current employment (yours or your spouse’s) and your employer’s size.
Start by checking with your HR/benefits office to confirm whether your plan is a group health plan based on current employment. If your employer has fewer than 20 employees, Medicare generally pays first, and you’ll usually want to enroll in Part A and Part B when first eligible.
If you have qualifying employer coverage, you may be able to delay Part B and enroll later through a Special Enrollment Period (SEP) to avoid penalties.
When you retire or your employer coverage ends, you generally have an 8-month SEP to enroll in Part B (and avoid late penalties). COBRA/retiree coverage doesn’t count as “current employment” coverage for this purpose, so timing matters.
To prevent a gap, try to enroll about a month before your employer coverage ends.
If you contribute to an HSA: once you’re enrolled in Medicare, your HSA contribution limit becomes $0, including during any retroactive Medicare coverage. Guidance commonly recommends stopping HSA contributions before applying for Medicare to avoid tax issues.
Please also note (if you’re also drawing Social Security): If you claim Social Security before full retirement age and keep working, your benefit may be temporarily reduced if earnings exceed the annual limit.
Contact Us!
Have questions? Contact our team for more information and assistance.
David Morris
Licensed Insurance Agent/Partner
Scott Stanwix
Licensed Insurance Agent/Partner
Contact Us:
Phone: 972-619-6288
Email: [email protected]
Privacy Policy Terms & Conditions | Life and Health Insurance Agent | Turning 65 Medicare
© 2025 12 Stones Financial. All rights reserved.
I am not connected with or endorsed by the United States government or the federal Medicare program. I do not offer every plan available in your area.
I currently represent 20+ Medicare Advantage and Prescription Drug plan organizations and have access to 100+ Medicare plans depending on service area. Plan availability, benefits, premiums, copayments, and provider networks vary by location and are subject to change.
Not all plans are available in all areas. Any information provided is for educational purposes only and does not constitute an offer of coverage. Enrollment in a Medicare Advantage or Prescription Drug Plan depends on contract renewal with Medicare and individual eligibility.
For a complete list of plans available in your area, please contact 1-800-MEDICARE (TTY: 1-877-486-2048), available 24 hours a day, 7 days a week, or visit www.medicare.gov.