Personal lines are where most people meet insurance for the first time, and where most people are sold something they don't understand. Ricardo's standard is simple: you should be able to explain your own policy after talking to him. If you can't, he hasn't done his job.
Risky Ricky Insurance
Personal and financial protection
Car insurance explained by a human, and life, IUL and annuity options presented with the costs and risks before the upside.
Personal Auto
Florida car insurance explained by a human. PIP, liability, full coverage and what each actually does.
Learn more →Life Insurance
Term and permanent life insurance for families and business owners. Honest conversations about what you need and what it costs.
Learn more →Indexed Universal Life (IUL)
Permanent life insurance with indexed cash value. Explained accurately — including the costs, caps and risks.
Learn more →Annuities
Fixed and indexed annuities for retirement income. The guarantees, the surrender periods and the fine print — explained.
Learn more →Start with a conversation
Call for auto. For life, IUL or annuities, call or email and you'll get a scheduled time directly with Ricardo.
Coverage availability, eligibility and pricing vary by carrier and are subject to underwriting. Nothing on this page guarantees a premium, savings, approval or coverage.
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Answer a few questions and Ricardo gets your details instantly. Takes about two minutes. Prefer to talk? Call 727-748-1701 (Ricky direct · business hours).
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Life's risky. Coverage shouldn't be.
Call Ricardo. Get options, not a runaround.
Personal service from Ricardo, backed by 24/7 bilingual assistance. Call for a quote or send the basics by email and Ricardo will take it from there.