About
Meet Talor Richards.
Founder & Principal Licensed Agent of Richards Protection Solutions.
The person behind the policy
Outside of work, I’m an outdoors guy at heart — anything that keeps me active or gives me a chance to experience something new. I love hiking, fishing, boating, hunting, camping, and diving in the ocean. I’m always up for a good adventure or trip somewhere new. I’m passionate about fitness and spending time in the gym, and I’ve always had a strong appreciation for classic cars. My faith is an important part of who I am and plays a big role in the values I try to live by every day. Whether I’m traveling, exploring the outdoors, working toward a new goal, or spending time with the people closest to me, I believe in working hard, staying grounded, and making the most of every opportunity. Those same values guide how I help you find coverage.
Service area
Licensed in 16 states, focused on Marketplace (ACA) coverage where income-based subsidies can make coverage significantly more affordable.
Values I live by
Working hard
Every quote, application, and question gets real attention — no shortcuts, no cookie-cutter answers.
Staying grounded
Coverage decisions affect real people and real families. I keep it honest, clear, and focused on what actually matters to you.
Making the most of every opportunity
Marketplace subsidies exist to make coverage affordable. I'll help you understand them and use them where they apply.
Why Marketplace coverage first
The Affordable Care Act Marketplace (HealthCare.gov) offers health plans where income-based subsidies can reduce monthly premiums — sometimes to $0. That's where I focus my guidance, because it's often where families find the most affordable path to real protection.
- Federally backed plans with income-based subsidies
- Licensed across 16 states for Marketplace guidance
- Personal, one-on-one support — not a call center
"Coverage made simple,
Protection made personal."
— Talor Richards, Founder & Principal Licensed Agent
Ready to talk coverage?
Schedule a free, no-obligation consultation. We'll walk through your options, check subsidy eligibility, and find a plan that fits your life.