agent picture

Michael Richard

Financial Advisor, Bankers Life Securities, Inc. and Bankers Life Advisory Services, Inc.
Field Manager - Insurance Sales Representative - Bankers Life and Casualty Company
Leave a Referral
agent picture

Michael RichardFinancial Advisor, Bankers Life Securities, Inc. and Bankers Life Advisory Services, Inc., Sarasota, FL

request apt form icon
quote form icon
Meet Michael Richard
Personal Business Philosophy
Dedicated to helping clients with their financial goals as they prepare for retirement. Being a trusted partner and advocate by providing solutions and options that are in my clients best interest.
licensed in
FL, GA, NC, NM, OK, RI, TX, WA, WI
FL License: P227435
professional background
Joined Bankers Life in 2010Became a Financial Representative in 2019Education: University of South Florida
designations received
Insurance Designations: Chartered Retirement Planning Counselor
personal background
Family: My wife, Jessica and two beautiful children, Sebastian and MadelineCommunity Involvement: Sarasota Mission Alliance, and Board member for the nonprofit organization, Hillside Foundation

Michael Richard, Bankers Life Agent and Bankers Life Securities Financial Representative in Sarasota, FL

Open Now - Closes at 5:00 PM
Contact Me
Office Phone:
(941) 371-7141(941) 371-7141
Cell Phone:
(941) 993-9275(941) 993-9275
michael.richard@bankerslife.com
Branch Info
301 N Cattlemen Rd
Ste 106
Sarasota, FL 34232
US
Hours
Day of the WeekHours
Friday9:00 AM - 5:00 PM
SaturdayClosed
SundayClosed
Monday9:00 AM - 5:00 PM
Tuesday9:00 AM - 5:00 PM
Wednesday9:00 AM - 5:00 PM
Thursday9:00 AM - 5:00 PM

Our Brands and Partners

Our agents provide an expansive suite of insurance options, including core products offered by Bankers Life and Casualty Company, Colonial Penn Life Insurance Company and Washington National Insurance Company.

  • Bankers Life Logo
  • Colonial Penn Logo
  • Washington National Logo

FORGET ME NOT DAYS

At Bankers Life, our insurance agents and associates witness firsthand the impact that Alzheimer’s and dementia have on our customers, their families and their caregivers. That’s why we established Bankers Life Forget Me Not Days®, our nationwide fundraising campaign to benefit the Alzheimer’s Association®. This June marks the 23rd anniversary of the campaign. Since 2003, we’ve helped raise more than $7.8 million for the Alzheimer’s Association through the Forget Me Not Days campaign and corporate donations.

Explore Medicare Advantage

You have many choices when it comes to Medicare – I can help you to learn more about Medicare Advantage.


Medicare Advantage (Part C) is an all-in-one alternative to Original Medicare Parts A and B.


Products & Services Offered in Sarasota, FL

  • Life Insurance

    Find out how life insurance can help protect the financial security of you and your family.
    Explore
  • Medicare Supplement Insurance

    Learn how Medicare supplement insurance can help cover out-of-pocket costs that Medicare may not cover.
    Explore
  • Long-term Care Insurance

    Find out how long-term care insurance can help provide financial security in the event of an unexpected long-term illness.
    Explore
  • Annuities

    Learn how an annuity can help protect and grow your retirement savings.
    Explore
  • Brokerage Services

    As a Financial Representative through Bankers Life Securities, Inc., I provide investment options including variable annuities, mutual funds, and equity and fixed income securities.
    Explore
  • Advisory Services

    As an Investment Advisor through Bankers Life Advisory Services, Inc., I offer fee-based investment management using third-party model portfolios.
    Explore

Financial Calculators & Tools

Our calculators are here to help support your retirement and insurance planning needs so you can make confident and informed decisions.
Retirement Calculators
Insurance Calculators
  • How Long Will My Retirement Savings Last?

    Determine how long your retirement savings may last considering your monthly spending, sources of income, inflation and more.
  • Estimate Social Security Benefits

    Estimate your future Social Security benefits based on your income history and expected retirement age.
  • Traditional 401(k) or Roth 401(k)?

    How do traditional 401(k) and Roth 401(k) contributions differ, and which option best suits your financial needs?
  • Retirement Income Estimator

    Input your current savings and income sources to estimate your future retirement income and assess if you’re on track to meet your goals.
For information and educational purposes only. Does not constitute investment advice or a recommendation.
Reviews

Reviews for Michael Richard

5.0
Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
(11 Reviews)
  • 5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Michael was an amazing advisor and trusted friend to my mom for years and has been a great help to me since her passing. I’m so thankful for his guidance and wisdom to lean on as I’m making decisions on my next steps in life!
Displaying reviews 1 - 1 out of the 11 most recent

Customer Reviews for Sarasota, FL

5
Rating 4.9full star ratingfull star ratingfull star ratingfull star ratingfull star rating
(584 Reviews)
  • Karen D
    March 20, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Great help with the insurance!
    Great help with the insurance!
    Read More
    Read Less
  • Tammi C
    March 20, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Michael was an amazing advisor and trusted friend to my mom for years and has been a great help to me since her passing. I’m so thankful for his guidance and wisdom to lean on as I’m making decisions on my next steps in life!
    Michael was an amazing advisor and trusted friend to my mom for years and has been a great help to me since her passing. I’m so thankful for his guidance and wisdom to lean on as I’m making decisions on my next steps in life!
    Read More
    Read Less
  • Pamela W
    March 19, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Loved receiving handwritten note from her..came to house and went through the various plans completely...on board...
    Loved receiving handwritten note from her..came to house and went through the various plans completely...on board...
    Read More
    Read Less
  • Benita B
    March 19, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Very knowledgeable and informative. Very professional and great customer service Would highly recommend Sphresa to my friends and family.
    Very knowledgeable and informative. Very professional and great customer service Would highly recommend Sphresa to my friends and family.
    Read More
    Read Less
  • Marilyn J
    March 18, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Great customer service! Jeff explains everything to you where you understand what he is saying. Very friendly and knowledgeable. Jeff has helped me make decisions I was having trouble making and made everything go very smoothly.
    Thank you, Jeff, for everything. You are a very special person.
    Great customer service! Jeff explains everything to you where you understand what he is saying. Very friendly and knowledgeable. Jeff has helped me make decisions I was having trouble making and made everything go very smoothly.
    Thank you, Jeff, for everything. You are a very special person.
    Read More
    Read Less
  • David S
    March 18, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Shepresa and Linda are very knowledgeable and explained all of the options to my wife and I. I would highly recommend them.
    Shepresa and Linda are very knowledgeable and explained all of the options to my wife and I. I would highly recommend them.
    Read More
    Read Less
  • Randall C
    March 18, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Great customer service…with a very personal touch…. I highly recommend Astrid for your Medicare services…thank you
    Great customer service…with a very personal touch…. I highly recommend Astrid for your Medicare services…thank you
    Read More
    Read Less
  • John H
    March 12, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Sara is amazing and a true professional! She was very patient, knowledgeable and helpful during each of our conversations. I will highly recommend Sara to my family, friends and business associates.
    Sara is amazing and a true professional! She was very patient, knowledgeable and helpful during each of our conversations. I will highly recommend Sara to my family, friends and business associates.
    Read More
    Read Less
  • Frank P
    March 11, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Astrid has been wonderful! She is extremely knowledgeable and professional. She takes the time to find out what your needs are and best to meet them.
    Astrid has been wonderful! She is extremely knowledgeable and professional. She takes the time to find out what your needs are and best to meet them.
    Read More
    Read Less
  • Aura R
    March 11, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Great agent, made every thing easy.
    Great agent, made every thing easy.
    Read More
    Read Less
  • Beth S
    March 6, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    She is amazing and goes above and beyond to help her clients. She educates them as with us best for their specific needs. And once you have made a decision she doesn’t just sign you up and disappear. You got her for life, if you choose!!
    She is amazing and goes above and beyond to help her clients. She educates them as with us best for their specific needs. And once you have made a decision she doesn’t just sign you up and disappear. You got her for life, if you choose!!
    Read More
    Read Less
  • Edward T
    March 6, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating

    Very easy to understand agent which was very helpful.

    Very easy to understand agent which was very helpful.
    Read More
    Read Less
  • Jeff M
    March 5, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Astrid is very knowledgeable about the insurance policies and provides great customer service. It’s great to have her in my corner!
    Astrid is very knowledgeable about the insurance policies and provides great customer service. It’s great to have her in my corner!
    Read More
    Read Less
  • Amy M
    March 4, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    We have started to evaluate our portfolio and was recommended Michael Richard to help with questions, review our portfolio and possible continue as our fund manager.

    Michael was very communicative and stayed on top of our appointment, which was our home!! He was able to reschedule earlier and called to provide the update, which we gratefully accepted. He listened and provided invaluable feedback even helped reordered our portfolio, at no charge!!! I would definitely recommend Michael!!!
    5 star
    We have started to evaluate our portfolio and was recommended Michael Richard to help with questions, review our portfolio and possible continue as our fund manager.

    Michael was very communicative and stayed on top of our appointment, which was our home!! He was able to reschedule earlier and called to provide the update, which we gratefully accepted. He listened and provided invaluable feedback even helped reordered our portfolio, at no charge!!! I would definitely recommend Michael!!!
    5 star
    Read More
    Read Less
  • Margita B
    March 4, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    very nice, very helpful lady
    very nice, very helpful lady
    Read More
    Read Less
  • Kenneth H
    February 28, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Astrid did wonderful job and I felt very confident in this transition
    Astrid did wonderful job and I felt very confident in this transition
    Read More
    Read Less
  • Norma and Douglas H
    February 27, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Very thorough, very knowledgeable, and very charming
    Very thorough, very knowledgeable, and very charming
    Read More
    Read Less
  • Patricia M
    February 25, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Ken has been assisting us for 2 years with our supplemental and Medicare drug needs. He made an appointment to discuss our Medicare supplement and drug needs very quickly. He was so very helpful in a world that my husband and I did not understand all the ins and outs. He was always very clear with his explanations re the different programs and always returned calls and answered emails very promptly. There is no way my husband and I could have navigated through all the options. Thank you Ken
    Ken has been assisting us for 2 years with our supplemental and Medicare drug needs. He made an appointment to discuss our Medicare supplement and drug needs very quickly. He was so very helpful in a world that my husband and I did not understand all the ins and outs. He was always very clear with his explanations re the different programs and always returned calls and answered emails very promptly. There is no way my husband and I could have navigated through all the options. Thank you Ken
    Read More
    Read Less
  • Charlotte M
    February 25, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    When meeting Mazen Hannoun, you immediately feel his warmhearted nature and charismatic personality. He is very easy going yet thoughtful regarding your personal concerns. Right away you feel positive regarding any medical outcome.
    Mazen was very sensitive to my concerns especially since I have a history of cancer. He seemed knowledgeable about special programs that could meet my medical needs. Based on my experience, he should be considered a valuable member of your team.
    When meeting Mazen Hannoun, you immediately feel his warmhearted nature and charismatic personality. He is very easy going yet thoughtful regarding your personal concerns. Right away you feel positive regarding any medical outcome.
    Mazen was very sensitive to my concerns especially since I have a history of cancer. He seemed knowledgeable about special programs that could meet my medical needs. Based on my experience, he should be considered a valuable member of your team.
    Read More
    Read Less
  • Charlotte M
    February 25, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    When meeting Mazen Hannoun, you immediately feel his warmhearted nature and charismatic personality. He is very easy going yet thoughtful regarding your personal concerns. Right away you feel positive regarding any medical outcome.
    Mazen was very sensitive to my concerns especially since I have a history of cancer. He seemed knowledgeable about special programs that could meet my medical needs. He should be considered a valuable member of you team.
    When meeting Mazen Hannoun, you immediately feel his warmhearted nature and charismatic personality. He is very easy going yet thoughtful regarding your personal concerns. Right away you feel positive regarding any medical outcome.
    Mazen was very sensitive to my concerns especially since I have a history of cancer. He seemed knowledgeable about special programs that could meet my medical needs. He should be considered a valuable member of you team.
    Read More
    Read Less
Displaying reviews 1 - 4 out of the 20 most recent

FAQs

Insights From Michael
Featured Videos
Find out how Bankers Life long-term care insurance can offer you or a loved one the flexibility and independence you deserve.
Find out how Bankers Life long-term care insurance can offer you or a loved one the flexibility and independence you deserve.
Featured Videos
Universal life insurance can play a vital role in your retirement strategy. It provides long-term, permanent life insurance coverage plus more!
Universal life insurance can play a vital role in your retirement strategy. It provides long-term, permanent life insurance coverage plus more!
Featured Videos
Find out how life insurance can be an important aspect of retirement planning. Learn about the different types of life insurance and why life insu...
Find out how life insurance can be an important aspect of retirement planning. Learn about the different types of life insurance and why life insurance is important for everyone, no matter their age.
Find out how life insurance can be an important aspect of retirement planning. Learn about the different types of life insurance and why life insurance is important for everyone, no matter their age.
Senior woman grocery shopping.
5 Smart Strategies to Reduce Household Costs in the Face of Rising Prices
As costs continue to rise, many Americans are feeling the financial squeeze. From higher grocery bills to increasing utility expenses, it’s becoming more important than ever to find ways to stretch every dollar. The good news? A few simple adjustments to your spending habits can help you save more than you’d realize. Here’s how:
A young woman in her 20s buying her first home with the help of her mother and a real estate agent.
7 Key Considerations Before Cosigning a Mortgage for Your Child
Homeownership has long been a key piece of the American Dream, symbolizing financial stability and independence. Yet with rising home prices, elevated interest rates, stagnant wages, student loan debt, tighter lending standards, and a limited supply of starter homes, many young adults feel this milestone is out of reach—so they turn to mom and dad for help.
Worried person on couch, looking at phone.
How to Recognize Tax Scams During Filing Season
Between gathering documents, figuring out deductions, and making sure everything is done correctly, the last thing you want to worry about during tax season is scammers. Unfortunately, fraudsters ramp up their efforts every tax season, using phone calls, texts, emails, and even fake letters to trick people into handing over personal information or money.
Thoughtful businessman working on laptop in the office.
FRAUD ALERT! Don’t be Fooled…Bankers Life and Casualty Company vs. Bankers Life Insurance Company
Recently, there has been some confusion among customers and the public regarding the status and affiliation of Bankers Life and Casualty Company doing business as Bankers Life with Bankers Life Insurance Company in North Carolina which was placed in rehabilitation by order of the Superior Court of Wake County, North Carolina back in 2019. This blog aims to clarify the differences between these two companies and provide reassurance to the valued policyholders of Bankers Life and Casualty Company.
Happy elderly couple enjoying nature with their dog
5 Key Considerations Before Adopting a Dog in Retirement
Retirement is often seen as a time of freedom and relaxation, but it can also bring a sense of loss—whether it’s the structure of daily work, social interactions, or the sense of purpose that comes with a job. That’s why many retirees look for ways to fill the void, and for some, adopting a dog is the perfect solution.
Woman relaxes on mountain lakeshore at sunrise.
When Caregiving Ends: How to Navigate This Life Transition
Caregiving for an aging loved one is an all-consuming responsibility that demands your time, energy and emotional investment from sunup until sundown, day in and day out, year after year.

Let's Talk About Your Plans for Long-Term Care!

Forbes advisor badge

As people live longer and health care expenses continue to rise, the need for long-term care becomes more of a "when" than an "if" situation. That's why it's so important to be prepared and have discussions with your loved ones. Ready to start planning your next steps?

Act Now For Your Free No-Obligation Quote