Disability & Accident Policies

Short Term and Long Term Disibilty, Accident Policy, etc

If you're not looking for a form that you can plug your info into and get instant results, then you're in the right place. Most of those forms are meant to capture your info and sell it to multiple people that contact you forever. If you qualify for insurance, then I'll have options for you. Insurance is about transferring risk. The lower risk that you are for an insurance company, the lower your premium. Even guaranteed issue policies will check medical records to determine the insurance company's risk. Fortunately, I represent numerous insurance companies and as I speak with you, I can determine which would be the best fit for your situation. Let's talk 918-872-0495 or email Rick@HMLChoices.com.

Lets Connect

The journey of finding the right insurance doesn't have to be daunting. Reach out, and let's embark on this journey together.

You can stop by my office or use the contact info below for any questions and inquiries


A little About Me

I find out what your needs are and then from my pool of multiple carriers, I find the right plan that meets your needs & budget. Benefits: It doesn't increase your premiums to have me as your an agent, it avoids the pitfalls mentioned above, and it saves time shopping individual insurance companies.


As an Independent Broker /Agent, my goal is to offer every Medicare plan option available.  Medicare requires this disclaimer verbatim even though I do offer every plan available in Tulsa County except for I-SNPs which are MA plans for individuals in an institution.  Medicare Disclaimer: "We do not offer every plan available in your area.  We represent a number of MA organizations, which offer products in your area.  Any information we provide is limited to those plans we do offer in your area.  Please contact Medicare.gov 1-800-medicare or your local State Health Insurance  Program to get information on all of your options. "   Obviously, Medicare is requiring this due to some brokers on a local and national scale not offering all plans in all areas.  

I'm licensed in Oklahoma, Texas, Louisiana, Arkansas, Missouri, Kansas, Nebraska, Colorado, Utah, Idaho, Ohio, and Virginia.