Richard Thomas - Thomas Risk Solutions

Richard Thomas - Thomas Risk Solutions I'm an independent agent with The Jordan Insurance Agency.

We offer a wide range of insurance coverage from a superior group of insurance companies to make sure we provide you high quality products with top notch service. After dedicating 15+ years to the retail sales and management industry, I embarked on a new journey in 2015 by venturing into the insurance sector. It was during this transition that I uncovered my genuine passion for assisting families

in navigating the intricate world of insurance. My expertise spans across various insurance domains, encompassing Medicare, Health Insurance, Life Insurance, Home Insurance, Auto Insurance, Business Insurance, Dental Insurance, and Vision Insurance. I take immense pride in forging enduring connections with my clients while diligently identifying solutions to safeguard their interests with the utmost integrity and exceptional service.

09/02/2026

You paid off the house — do you still need life insurance? Maybe. Your mortgage was only one reason you had coverage. Replacing income for your spouse, covering final expenses, leaving something behind for your family — none of that disappears with the last payment.

Paying off the house may mean you need less coverage, not no coverage. Recalculate before you cancel anything.

And if you just paid yours off — congratulations. That's a big win.

Full breakdown: https://thomasrisksolutions.com/blog/still-need-life-insurance

08/31/2026

Your Medicare drug plan can change every year — even if you never touch it. Cost, covered drugs, pharmacy network. A notice explaining what's changing lands in your mailbox by September 30, and the window to act opens October 15. Don't let that envelope sit.

Comment PART D and I'll send you the full breakdown.

08/10/2026

IRMAA is a Medicare surcharge that catches higher-income retirees off guard — and it's based on your income from two years ago. So a one-time bump today can raise your premiums later. Here's how it works, and how you can appeal after a life-changing event.

08/07/2026

Back to school season is here. If you've got a kid or grandkid heading to college, their dorm belongings may be covered under your homeowners policy — but often only up to about 10% of your personal property coverage, and off-campus students usually aren't covered at all. Worth a quick check before move-in day.

08/04/2026

Actual cash value vs. replacement cost — one policy detail that makes a big difference after a covered loss. And watch the fine print: deductibles, roof settlement, and how depreciation gets paid back can all change what you actually receive. Three questions to ask before you ever file a claim.

07/28/2026

Working past 65 with an HSA? Once you're on Medicare, you can't contribute anymore — and Part A's six-month lookback can catch people off guard. Here's how the timing works.

07/24/2026

MLB trade deadline is a week and a half away — one of the best weeks of the year for baseball fans. For Braves fans, all eyes are on pitching. Every good team shores up the gaps before they need to, not after… sound familiar? August 3rd is when the music stops. Go Braves.

07/22/2026

Beneficiary designations override your will every time. If you haven't reviewed yours in the last three years, this one's worth a minute of your time.

07/13/2026

Quick one on disability insurance — what it actually covers, why most claims aren't from the things you'd expect, and where the gap usually is.

07/10/2026

Wimbledon finals weekend is here — women's Saturday, men's Sunday. Even if tennis isn't your everyday sport, there's something about Wimbledon that pulls you in. Who are you rooting for?

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3540 Toringdon Way Ste 200
Charlotte, NC
28277

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Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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