Richard Parslow

I'm an independent Texas life insurance broker. I started Life Policy Pilot because most of what passes for "insurance advice" online is a thinly-veiled pitch for one carrier's product. I work for the client, not a carrier — there is no quota and no script.

On a typical engagement I'll quote 6–10 A-rated carriers, model two or three structures (single policy vs. laddered terms vs. a small permanent base), and recommend the one with the cleanest underwriting fit and lowest total premium over the planning horizon. I'll tell you when not to buy.

How I'm paid: The carrier pays me a commission when a policy is placed. The premium is filed with the Texas Department of Insurance — it's the same whether you buy through me, online, or direct from the carrier. I'll share commission structure on request.

What I'm not: I am not a fiduciary. I'm a licensed broker held to Texas suitability standards. I'll tell you the trade-offs honestly; you make the call.