Richard Otts · Risk Management Consultant · Mobile, Alabama
Otts Insurance is an independent practice advising on Medicare planning, life insurance, health insurance, and annuities. We sit on your side of the table — comparing plans from national and regional providers to fit the risk you actually carry.
Independent by design
The practice of Richard Otts, Risk Management Consultant — Mobile, Alabama.
Most insurance conversations begin with a product. Ours begin with your exposure — what an illness, a market downturn, or an outliving-your-savings scenario would actually cost you and the people who depend on you.
Because the practice is independent, recommendations are drawn from a comparison of national and regional providers rather than a single company's shelf. And because consultations are complimentary, the first conversation carries no cost and no obligation — only a clearer picture of your risk.
Four disciplines
Each engagement is scoped to the risk at hand — one line of coverage or a coordinated review of all four.
Medicare Advantage and Medicare Supplement (Medigap) solve the same problem in structurally different ways, and the right answer depends on your health, your doctors, and your tolerance for out-of-pocket exposure. We map both routes side by side, in plain English, before you commit to either.
Life insurance is income replacement, debt retirement, and estate liquidity — sized to the people who rely on you. We work from what your absence would cost, then compare carriers to cover that number efficiently, without over-insuring.
A health plan is a contract about who pays when you're at your most vulnerable. We read the networks, deductibles, and exclusions so you understand precisely what you're buying — and what you'd owe in a bad year, not just a good one.
An annuity converts savings into income you cannot outlive — useful for some retirements, wrong for others. We treat annuities as one tool among several, recommending them only where guaranteed income genuinely strengthens your position.
Licensure
The practice is based in Mobile, Alabama and licensed across the Gulf South and beyond — so counsel continues uninterrupted if your address changes.
How an engagement works
A complimentary sit-down — by phone or at the office — to understand your situation, your obligations, and the risks that worry you. No paperwork, no commitment.
We survey plans from national and regional providers against your specific needs, then present the trade-offs plainly — including the option of doing nothing.
Coverage is revisited as your circumstances and the market change, so the protection you chose keeps fitting the life it was chosen for.
Medicare windows
Begin the conversation
Call the office, or send a note below and we'll reach out. Either way, the consultation is complimentary and the decision remains yours.
Your note is on its way. We'll be in touch shortly to arrange your complimentary consultation.
Prefer to talk now? Call (251) 666-5000.