Lloyd B Richardson Agency
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Lloyd B. Richardson entered the insurance industry in 1976. Following captive agent associations with several larger national life and health insurance carriers, Lloyd founded the Lloyd B. Richardson Insurance Agency in 1984 with offices currently on Papermill Road in Knoxville. He serves in the capacity of a consultant/broker for many East Tennessee businesses with a strong emphasis in the employee benefits market.

He is a member of the National Tennessee and Knoxville Associations of Life Insurance and Financial Advisors and is a multi-year recipient of the Million Dollar Round Table designation. He is a multiple winner of the National Sales Achievement Award and the National Quality Award. In addition, he has received on an annual basis the "Leaders Club" recognition from various insurance carriers he represents.

As a business owner, you know the important role of employee benefits to attracting and retaining top employees. You are not alone in this process. We offer a complete line of Employee Benefit services.
Services
With the changing face of health insurance in today's market, we are staying abreast of the latest developments that will affect the coverage you expect as well as the cost impact upon you.
We have the best health insurance markets available in our area, and we will always present to our customers the best options at the best price available.
Dental Insurance is one of the benefits most requested by employees.
Many employers provide dental insurance for their employees, but a growing number of employers are offering this as a voluntary benefit that is paid 100% by the employee through payroll deductions.
An annuity can help you accumulate tax-deferred earnings as part of your overall retirement plan.
Annuities offer the opportunity for lifetime payments and tax-deferred earnings, and provide a guaranteed death benefit for your beneficiaries.
All guarantees are backed by the continued claims-paying ability of the issuing insurance company.
Individual health insurance programs are designed for individuals and families who cannot obtain health insurance through an employer.
Due to the continually rising cost of medical care, it has become more important to provide health insurance for you and your families.
Depending on the case, we offer an hourly rate or a flat rate.
Our lawyers and paralegals keep detailed logs of the time they spend on your case.
We count in ten minute increments and round down when in-between them.
Work logs will be disclosed to all clients upon the closing of a case.
We only work for as long as a case requires, so you'll never be overbilled for unproductive time.
Final bills will include costs for copy, filing, messengers, and third-party research tools.
Partner rates fall between $500 and $600 per hour while Associate rates are between $300 and $400 per hour.
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