Business Details
25 Years
experience
Your Trusted Insurance Partner in Richmond, VA
Since 2001, SMH Insurance has been a trusted provider of life, health, and Medicare insurance solutions in Richmond, Virginia. Our president, Steven Hughes, has served as a licensed insurance agent in the state since 1991, bringing decades of expertise to our clients. We specialize in Medicare Supplement and Advantage plans, term life insurance, group health insurance, and final expense policies, offering personalized guidance to individuals and businesses. As an authorized Anthem Blue Cross and Blue Shield agent, we provide access to a wide range of plans from top-rated carriers. Our commitment to transparency ensures clients receive no-obligation quotes, free policy reviews, and 24/7 support for enrollment and claims.With a focus on local market needs and a track record of 5-star customer reviews, we prioritize client education and satisfaction. Our services extend to self-employed individuals seeking group health plans, employers managing small business coverage, and seniors planning for long-term care. By combining industry experience with a client-centric approach, we aim to simplify complex insurance decisions and deliver tailored solutions that protect families and businesses across Virginia.
Services
Term Life Insurance
Medicare Supplement Plans
Group Health Insurance
Final Expense Life Insurance
Long-Term Disability Insurance
Details
- Year established: 2001
Highlights and features
- We offer 20+ years of experience serving Richmond's insurance needs.
- Our team includes a licensed agent with 30+ years of industry expertise.
- We provide free, no-obligation quotes and policy comparisons.
- Our clients consistently rate us with 5-star reviews for service quality.
- We specialize in customized solutions for Medicare, life, and group health insurance.
What people say
5-star service
Competitive rates
Expert guidance
Quick responses
Personalized solutions
Services
Term Life Insurance
Term life insurance provides affordable, temporary coverage for income replacement, debt protection, and family financial security. Policies offer customizable term lengths and death benefits, with options for renewal or conversion to permanent insurance. Our clients receive free quotes from top-rated carriers to find the most competitive rates.
Medicare Supplement Plans
Medicare Supplement plans cover out-of-pocket costs like deductibles and copays for Original Medicare. We offer 25+ carrier options to compare premiums and benefits, ensuring clients find the most cost-effective plan for their healthcare needs. Enrollment assistance is available via phone or online.
Group Health Insurance
Group health plans cater to employers with 2-50 employees, offering access to Anthem and other major carriers. We provide detailed plan comparisons, enrollment administration, and employee support for policy selection. Self-employed individuals can also qualify for group rates with broader provider networks.
Final Expense Insurance
Final expense life insurance covers funeral costs and end-of-life expenses up to age 85. Simplified and guaranteed issue options are available with immediate or graded death benefits. We facilitate instant quotes from 20+ carriers and electronic applications over the phone.
Long-Term Disability Insurance
Long-term disability insurance replaces a portion of income if an illness or injury prevents work. We compare policies from multiple carriers to find coverage matching clients' occupation, benefit period, and elimination period requirements, ensuring financial stability during recovery.
People
Steven Hughes
President
Steven Hughes has been a licensed insurance agent in Virginia since 1991. With over 30 years of experience, he specializes in Medicare, life, and group health insurance, providing personalized solutions to Richmond-area clients through SMH Insurance since its founding in 2001.
Questions
What insurance products do you offer?
We provide term life, Medicare Supplement and Advantage plans, group health insurance, final expense policies, long-term disability coverage, and dental/vision plans for individuals and businesses in Virginia.
Are your services free?
Yes, we offer free quotes, policy reviews, and enrollment assistance with no obligation to purchase. Our compensation comes from insurance carriers, not clients.
Can I get coverage if I'm self-employed?
Yes, we specialize in self-employed group health plans that offer broader networks and lower premiums compared to individual ACA plans, with year-round enrollment options.
How do I compare Medicare plans?
We provide side-by-side comparisons of 25+ Medicare Supplement plans and carriers, helping you select the most cost-effective option based on your prescription needs and budget.
Do you serve clients outside Richmond?
Yes, while based in Richmond, we assist Virginia residents statewide with phone appointments, electronic applications, and ongoing policy support for all our insurance products.
