We help you protect what you’ve worked so hard to build.

Chuck Richards Agency specializes in providing individuals and families with comprehensive employee benefits such as healthcare guidance, life, disability, and long-term care insurance. It doesn’t matter if you work for yourself or employ others, we work on your behalf to find comprehensive benefits that will cover you the way you want to be covered and at a rate that will fit your budget.

Chuck Richards Agency deals with only the most reputable insurance companies with a proven track record of high quality service, prompt payment of claims, and reasonable premiums.

We Were Founded with a Purpose

Chuck Richards Agency was founded with the purpose of helping Middle Income individuals and families find the right income protection plan for their needs and budget.

When choosing an income protection plan, it is always best to do some simple, yet in depth, comparisons of the different companies you are considering. After all, there are several top companies to choose from with an array of different options and of course no one has one size fits all. Whether it’s “the good hands people” Allstate, the “DUCK” company Aflac, Colonial Insurance Company or American Fidelity just to name a few.

Without your paycheck, how long would you be able to make your mortgage or rent payment, buy groceries or pay your credit card bills? If you’re like most, it wouldn’t be long at all: half of working Americans couldn’t make it a month before financial difficulties would set in, and almost one in four would have problems immediately, according to a recent survey.

That’s where income protection comes in. Think of it as insurance for your paycheck. It ensures if you are unable to work because of illness or injury, you continue receiving an income and make ends meet until you’re able to return to work.

You don’t hesitate to insure your home, car and other valuable possessions, so why wouldn’t you also protect what amounts to your most valuable asset? Explore this website to learn more about the different sources of income protection and ways to get coverage.
“It doesn’t make sense to have an income you depend on and insurance plans that protect you if you can’t pay for them in a time of need.”

Our Philosophy is simple…

Our philosophy is simple…you work hard to enjoy the finer things in life and under no circumstance should a major hospitalization, lengthy disability, or unexpected death wipe out your financial security!

Chuck Richards Agency is a full service agency. This means if you have any questions, not only will you have the support of your own benefit advisor, you will also have the support of the staff. Chuck Richards Agency strongly believes all insurance programs have to accomplish two things:

  1. It has to be affordable.
  2. It has to work the way it is explained at the time of need.

Our agents are supported by a professional staff to keep them free to better serve you! Enjoy forgettheduck.com website and feel free to contact us with any questions you may have.

Chuck Richards Agency Value

  • A leader in providing the self-employed, small business owners and individuals with comprehensive employee benefits such as health, life, disability and ancillary products.
  • We deal with only the most reputable insurance companies that have a proven track record of high quality service, prompt payment of claims, and reasonable premiums.
  • A full service agency. This means that if you have any questions, not only will you have the support of your own benefit advisor, you will also have the support of the staff.
  • Advisors are handpicked to meet our agency’s values. They are properly trained and expected to give you, the client, the support you deserve in your time of need.
  • We provide a consistent portfolio of top quality products with top-rated carriers.
  • Committed to being the premier provider of quality financial protection products in the country.
  • We dedicate ourselves every day in every way to help you secure your financial future.
  • We’ve been helping middle income Americans accomplish their goal by assuring their assets and protecting their livelihood. In addition our Benefit Advisors provide a hands-on approach; they will come out and meet you face-to-face to ensure you understand your policy fully and don’t overpay. This same dedication continues long after you’ve purchased the policy.

Corporate Value Statement

AC Financial group is an innovative action oriented company committed to a “Customer First” service ethic.

  • We Value employees and agents who show dedication to excellence in customer service.
  • We Expect the highest standards of honesty and integrity from ourselves, our employees and our agents.
  • We Consider hard work, efficiency, productivity and a desire for continuous learning and self-improvement to be a normal and reasonable expectation of ourselves, our employees and our agents.
  • We Believe in the importance and power of teamwork, cooperation and consensus.
  • We Firmly believe that adverting to these values will ensure our success and the accomplishment of our mission.