With more than a quarter-century in the life and health insurance industry and as Principle of LifeSmart, LLC. Richard Kozlowski has his finger constantly on the pulse of the insurance industry, keeping agents up to speed on the constantly changing Medicare world.

Richard is dedicated to creating an atmosphere of trust by ensuring all clients, affiliate partners and employees are treated with loyalty, dignity and respect.

Richard join the Executive Board of Elgin Senior Solutions as Treasurer in March 2026.