Founder & AGENT OSCAR RIGGINS
Oscar Riggins is the pioneer behind LifeChoice Insurance, a business he launched in 2020 with one clear mission: to help hardworking Americans protect what they’ve built and plan for what’s ahead.
Oscar’s journey into insurance didn’t begin in an office—it began with over 20 years of maintenance and physical labor. He spent 24 years with Union Pacific Railroad, servicing and repairing locomotives while also mentoring others and stepping into leadership and management roles. He understands long days, demanding physical work, and the pride that comes from earning an honest living.
When an unexpected turn in life made it impossible for him to continue working in the field, Oscar made the difficult decision to pivot careers—not for convenience, but for purpose.
That pivot led him to insurance
Today, Oscar brings the same work ethic, integrity, and straight-talk approach to helping individuals and families find coverage that truly fits their needs and their budgets. He believes insurance shouldn’t be confusing, intimidating, or one-size-fits-all. It should be clear, practical, and built around real life.
Oscar specializes in term and whole life insurance, annuities, health coverage, accidental protection, and final expense planning. More importantly, he takes the time to listen—so every client feels informed, respected, and confident in their decisions.
At his core, Oscar is a problem-solver and an advocate. He knows firsthand how quickly life can change, and he’s committed to helping others prepare for the unexpected while building peace of mind for the future.
When you work with Oscar, you’re not just getting an insurance agent—you’re working with someone who’s been in your shoes and is dedicated to helping you protect what matters most.