
"We represent many companies and can shop for the best value for you"
Call Today 651-756-7391
Business Partners






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LIFE INSURANCE
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Life insurance is a crucial step in planning for your future and the future of your loved ones.
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Term Life Insurance (10; 15; 20; 30; 35 term life insurance) provides life insurance protection for a specified period of time. Term life is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.
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Universal Life Insurance is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. The savings element, premiums and death benefit can be reviewed and altered as a policyholder’s circumstances change.
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Whole Life Insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy.
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Final Expense for people whose can not purchase a standard life insurance protection.
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Qualifying for Living Benefits policy:
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Critical Illness ​= open heart surgery, angioplasty or myocardial infarction, life threatening cancer, stroke, major transplant, end-stage renal failure
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Chronic Illness = Inability to perform two of the six activities of daily living (dressing, toileting, transferring, continence, eating, bathing)
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Terminal Illness = Life expectancy of 12 months or less
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Richard Auto Insurance Agency can run
a multiple comparison quote from many insurance companies for free of charge and present with the best value and lowest price for you!!!
Office Location:
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Metro 94 Business Center; 475 N. Etna Street, Suite 22
Saint Paul, MN 55106
Office: 651-756-7391
Direct: 651-354-3863
Fax: 651-756-7378
E-Mail: richard.lor2010@gmail.com











