Insurance advice
from someone who
actually listens.
I'm Richard Thomas, an independent insurance agent in Charlotte, NC. With 10+ years in the industry, I help individuals and families here and across 8 states find coverage that genuinely fits their lives — not just the cheapest option, but the right one. No pressure. No jargon. Just honest guidance.
Multiple lines of coverage.
One person you can call.
I'm licensed across health, Medicare, life, dental & vision, supplemental, home, and auto — so you can consolidate your coverage with someone who knows your full picture. 10+ years of experience, one person you can call.
Coverage that actually covers you.
I work with multiple carriers to find individual and family health plans that fit your budget and your life — not just the cheapest option, but the right one.
Medicare is complicated. I make it simple.
Whether you’re turning 65 or reviewing your current plan, I’ll walk you through every Medicare option — Advantage, Supplement, and Part D — so you choose with confidence.
Protect the people who depend on you.
Life insurance isn’t about death — it’s about making sure the people you love are taken care of no matter what. I’ll help you find the right coverage at the right price.
Don’t overlook the coverage you use most.
Dental and vision coverage is often the most-used insurance you’ll have. I’ll find plans that cover your routine care and protect you from unexpected costs.
For the costs your health plan was never built to cover.
Accident, critical illness, hospital indemnity and cancer plans pay a fixed benefit when a covered event happens — money you can put toward a deductible or the costs a health plan may not pay. They work alongside your coverage, never instead of it.
Protect your biggest investment.
Your home is likely your biggest investment. I’ll help you protect it with the right coverage for your property, belongings, and liability.
Coverage that makes sense for how you drive.
I’ll compare options from multiple carriers and match your coverage to your actual life — without cutting corners on protection.
My job isn't to sell you a policy. It's to find the one that actually fits your life.
I built this practice
on one principle:
You deserve an advisor who puts your needs first — every time.
I started Thomas Risk Solutions because I saw too many families enrolled in coverage that didn’t actually fit their lives. My job isn’t to sell you a policy — it’s to understand your situation, explain your real options, and find the plan that makes sense for you.
I’m licensed across 8 states and work with a wide range of national carriers, which means I can shop the entire market on your behalf. No pressure. No jargon. Just honest guidance from someone who genuinely cares about getting it right.
Real people. Real results.
Don't take my word for it — here's what clients say about working with me.
Ready to find coverage
that actually fits?
Fill out the form and I'll personally reach out within one business day. No automated emails, no call centers — just a real conversation about your options.
Send Richard a Message
He personally responds to every inquiry — usually within a few hours.