From term life to fixed annuities, accident protection to supplemental health — Motive Insurance Agency offers personal coverage built around your family, your income, and your future. Independent advice. Trusted carriers. No pressure.
Request a Free Quote View ProductsRoy Richards, MBA — fully licensed in life, accident & health insurance and fixed products.
A full lineup of life, accident, health, and fixed-product solutions — selected from top-rated carriers and tailored to your goals, budget, and life stage.
Affordable coverage for a defined period — 10, 20, or 30 years. Ideal for income replacement, mortgage protection, and young families.
Permanent coverage that builds cash value over time. Combines lifelong protection with a tax-advantaged accumulation component.
Simplified-issue coverage to protect loved ones from funeral, burial, and end-of-life costs. Easy qualification, fast approval.
Guaranteed-rate and index-linked annuities for retirement income planning, principal protection, and tax-deferred growth.
Lump-sum cash benefits paid directly to you for covered accidents — covering deductibles, lost income, and out-of-pocket costs.
Tax-free benefits paid upon diagnosis of cancer, heart attack, stroke, and other major illnesses — used however you need.
Major medical, short-term health, hospital indemnity, and supplemental products to fill the gaps your main plan leaves behind.
Protect your most valuable asset — your ability to earn. Replaces a portion of income if illness or injury keeps you from working.
Combine life, accident, and health products into a single coordinated strategy designed around your stage of life and goals.
Whether you're starting a family, growing a business, or planning for retirement — we have a solution that fits.
Income replacement, mortgage protection, and college funding strategies that protect what you've built.
Self-employed truckers and small business owners who need affordable life, accident, and health coverage.
Fixed annuities, final expense, and Medicare-supplement strategies for a confident retirement.
Disability protection, key-person coverage, and supplemental plans for high earners and self-employed pros.
We work for you — not a single carrier. We compare top-rated insurers to find the right product at the right price.
Roy Richards, MBA — fully licensed in life, accident & health insurance and fixed products.
We educate first, recommend second. You decide what fits — never feel rushed or upsold.
We help you coordinate life, health, and retirement products into a strategy that grows with you.
"Insurance done right is more than a policy — it's a plan. Our job is to make sure your family, your income, and your retirement are protected with strategies you actually understand."
Tell us a little about what you're looking for and we'll reach out within one business day to discuss options. No pressure, no obligation — just clear answers.
2881 E Oakland Park Blvd
Fort Lauderdale, FL 33306
Mon–Fri 8am–6pm · Sat by appointment
Florida and additional states — ask us about your state
Real reviews from families and individuals we've helped protect what matters most.
⭐ Be the first to leave a review below!
Did Roy Richards help you find the right life or health coverage? We'd love to hear your story!
✓ Thank you! Your review has been posted.