Max Broker Services
Your Broker Works for You — Not The Carrier
40+ years placing the right coverage across every major carrier. Based in Somers, NY. Serving Westchester County and the tri-state area.
One call. Every major carrier compared — with no pressure to pick the convenient option.
I'm Richard Sweig, an independent life insurance broker based in Somers, NY. I've been doing this since 1985, which means I've seen nearly every policy type, every carrier, and every scenario that comes with a life change, a business decision, or a coverage review. I don't work for any insurance company. I work for you.
When you call me, you reach me — not a call center, not an associate, not whoever happens to pick up. You'll explain your situation once, and I'll carry it through from the first conversation to the day your policy is delivered and beyond.
40+ Years in the Industry
Access to Most Major Carriers
Every Client Works Directly with Richard
Licensed in 14 States
Coverage for Every Stage — Found Across the Market, Not Pulled from a Single Shelf
Life Insurance
Term, whole, universal, return-of-premium, and hybrid life/long-term care products. I ask the right questions upfront — including your health history — so the rate you're quoted is the rate that holds.
Business Continuation Planning
Buy-sell agreement funding, key person insurance, and pension maximization strategies for business owners who need coverage built around how their business actually works.
Disability Insurance and Long-Term Care
Income protection if you can't work. Long-term care planning before you need it. These are the policies most people put off — and the ones that matter most when something goes wrong.
Annuities
Fixed, indexed, and income annuities with riders designed to generate guaranteed income in retirement. I'll show you what each structure actually pays — and what it costs — before you decide anything.
What It Means to Work with an Independent Broker
Most people have bought insurance from a captive agent — someone who represents one company and sells that company's products. An independent broker represents you. I'm contracted with most major carriers, which means I can shop your case across the market and match you with the carrier whose underwriting, pricing, and product structure fits your situation best.
That distinction matters most when your health history is complicated, your policy is older and underperforming, or you've never had someone sit down and explain what you actually own. I do all three.
If your current coverage is working, I'll tell you. If it isn't, I'll show you why and what a better option looks like — with numbers, not pressure.
Frequently Asked Questions
What does an independent insurance broker do?
An independent broker represents the client, not any single insurance company. I'm contracted with most major carriers, which means I can compare rates, underwriting standards, and product structures across the market and recommend the option that fits your health profile, budget, and goals — not the option that's most convenient for a single company to sell.
How is an independent broker different from a captive agent?
A captive agent works for one carrier and can only offer that carrier's products. If their company's rates are high or their underwriting is strict for your health history, you're out of options. As an independent broker, I'm not tied to any carrier. If one company isn't the right fit, I move to the next one — and you benefit from that flexibility.
Will I always work directly with Richard, or will I be handed off?
You'll always work directly with me. There's no team, no case manager, no one else you'll be introduced to mid-process. You explain your situation once, and I handle it through to completion.
What if I already have life insurance — can you still help?
Yes. Policy reviews are one of the most valuable things I do. Older policies frequently underperform their original projections, and many people are paying for coverage that no longer fits their life. I'll review what you have, pull an in-force illustration if needed, and tell you honestly whether it's worth keeping, adjusting, or replacing.
What areas do you serve?
I'm based in Somers, NY and work with clients throughout Westchester County — including Katonah, Mount Kisco, Yorktown, Chappaqua, and White Plains — as well as across New York, Connecticut, and New Jersey. I'm also licensed in Florida, Texas, Pennsylvania, and several other states.
How do I get started?
Call or text me directly, or use the contact form and I'll reach back out the same day. There's no obligation — just a conversation about what you have, what you need, and whether I can help.
Ready to Compare Your Options Across the Market?
The right coverage starts with the right questions. I'll ask them, shop your case across every carrier that fits, and give you a clear recommendation — with no obligation to move forward until you're ready.
