We Make It Easier
For people To Get The Benefits They Are Entitled To And More
Build a roadmap to a secure and prosperous financial future.
WHAT WE SERVE
Our Financial Services
Here are a list of some of the services we provide.

Life Insurance
Overview – Both Permanent Life and Term Life Insurance options. Key benefit – Life Insurance provides financial security to those who depend upon you should you die. Tailored to your specific needs, Life Insurance can pay off debt, provide living expenses to your dependents, and can even provide supplemental retirement income.

MedAdvantage Plans
Overview – For those who prefer an all-in-one option combining both medical and prescription drug coverage. Key benefits – low to zero premiums, maximum out-of-pocket caps and extra benefits such as dental & vision, and gym memberships.

Part D Plans
Overview: For Medicare beneficiaries Part D covers prescription medications and may involve co-payments and Pharmacy Networks. Key benefit – Part D plans have a maximum “out-of-pocket” expense per year. Co-payments and deductibles can vary from plan to plan. I guide you to the most cost-effective plan for your unique situation.

Medicare Gap Coverages
Overview – Medicare Supplements cover all or, depending on premium, part of any medical bills remaining after Medicare covered services. Key benefit – No “networks” to worry about and no surprise billings.

Annuities
Overview -Fixed and Indexed Annuities for those seeking financial security. Benefit – Annuities eliminate the risk of principal reduction due to market losses while providing deferred taxation and the option of guaranteed lifetime income.


ABOUT OUR COMPANY
Richard Lockie
Life is full of uncertainty. Financial uncertainty can be mitigated with a well designed safety net. This is what I do! Importantly, I ask questions. More importantly, I answer questions. Most importantly, I actively listen to your concerns. Together we will design a financial safety net for you, for your family, and for your dreams. I am licensed to assist clients in Arizona and California.
In 1989 I began to enhance client’s safety with Medicare Supplements. Over the last 38 years I have added MedAdvantage, Annuities, Life Insurance, and additional Health Care options to my portfolio of tools. I founded Insurance Safety Nets in 2005. I am an Independent Agent and hold myself to a Fiduciary standard.
I am also an Actor. I am a member of the Actors’ Equity Union. I am “owned” by two rescue cats. I am a writer. I travel whenever and wherever possible (but an never out-of-contact with my clients). I read a lot. I enjoy conversation. I have an entrepreneurial spirit with several successful, and some not-so successful, ventures. I believe that food can never be to spicy nor coffee too strong. I laugh frequently. And when contacted I will respond!
Richard Lockie is an Independent Insurance Agent who has been dedicated to serving his clients’ best interests since 1987. With a strong focus on supporting seniors, Richard has helped thousands with the financial protections offered through Annuities or in navigating the often overwhelming and ever-changing landscape of Medicare Gap Insurance options. Richard has built a reputation for clarity, trust, and personal service. Clients turn to Mr. Lockie when they need to safety net their savings or when they’re confused about the annual changes in Medicare Advantage (Part C) and Part D Prescription Drug Plans, or when they need help determining if a Medicare Supplement Plan is the right choice for their unique needs. Whether it’s explaining the financial safety-nets provided by Annuities or making Medicare drug formularies, coverage differences and Provider networks understandable Richard’s approach is rooted in the belief that helping people make confident, informed decisions is not just a service—it’s a responsibility he takes seriously. For over three decades, Richard has made it his mission to provide guidance, support, and peace of mind to those making the most important healthcare decisions of their lives.
Avg. Advisor’s Experience
Assets Under Management
Client Retention Rate
Average Client to Advisor Ratio
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WHAT WE SERVE
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Contrary to popular belief, Lorem Ipsum is not simply random text. It has roots in a piece of classical.
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It is a long established fact that a reader will be distracted by the readable content of a page when looking at its layout.
It is a long established fact that a reader will be distracted by the readable content of a page when looking at its layout.
It is a long established fact that a reader will be distracted by the readable content of a page when looking at its layout.
It is a long established fact that a reader will be distracted by the readable content of a page when looking at its layout.

GET IN TOUCH WITH US
Schedule a Consultation
Are you prepared to have a financially secure future?
Call or text us today at (480) 442-4141, to make an appointment or click the button below.