Ruhm Insurance Agency, LLC.
Health - Medicare - Life - Long Term Care - Disability - Annuity
Insurance Products
Building Relationships
Insurance Products
I provide the following services for individuals, families and small businesses.
- Medicare Advantage Plans
- Medicare Supplement Plans
- Medicare Prescription Plans
- Health Insurance
- Short Term Health
- Health Sharing (not insurance)
- Dental/Vision Insurance
- Life Insurance
- Long Term Care Insurance
- Disability
- Annuities
Risk Appetite
Building Relationships
Insurance Products
As an Insurance Adviser, it's my moral and ethical obligation to present all the solutions available for your situation. Every client has a different need, situation and solution. Within those needs is what I reference to as "Risk Appetite".
Once we find out your need, it's our goal to find a plan that suits your risk appetite. Our goal is to provide you with the right coverage at an affordable (sometimes challenging) premium.
If you want a second opinion on a current policy, we're happy to provide. Our services are always free and we're happy to review your needs.
Building Relationships
Building Relationships
Building Relationships
We specialize in working with CPA's, Financial Planners, Human Resource Departments and Property Casualty agents to assist (not interfere) with solutions they do not provide. We educate current and future clients as they transition from one aspect of life into another and do our best to make sure they are prepared with proper insurance products that will meet the needs for themselves and or their families.
When we work with any of the above referral partners, we are 100% committed to not crossing any lines of insurance that they may offer. In fact, we actually address the needs and refer back if appropriate.
Additional Info
New Policy & Cancellations
New Policy:
Whenever purchasing a policy with me or any Insurance Advisor, NEVER cancel your current policy until the new one is in place.
Cancellations:
While I always hate to see you go, I understand circumstances may find you a better option. Should you need to cancel your plan, please call the number on the back of your ID card for the quickest solution. I am not able to cancel your policy on your behalf unless you email or fax me a signed cancellation notice with the current date, the date you would like your policy cancelled, your policy number and the insurance company.
Referral Partners
I work and network with CPA's. Financial Planners, Estate Lawyers, Property & Casualty Agents, PEO's, Group Health Advisors, Chambers, Networking Groups & Human Resource departments across the country to assist with the transition from job-based coverage to the Individual/Family Health, Medicare & Life insurance solutions. I would love an introduction to your network and I'm happy to connect you with some in my trusted circles.
Privacy Statement
Ruhm Insurance Agency, LLC. will not sell, solicit, discuss or distribute your information without your consent or permission. We adhere to the Health Insurance Portability and Accountability Act of 1996 also known as HIPAA. My website may track cookies, but I do not currently utilize or collect any personal data on my end from it.
Any form filled out on my site will solely be used strictly for its intended need. It will not be sold, passed on or shared with any other agents. When filling out my forms, only Chris Ruhm will reply to your request (subject to change if agents added). You may rescind my permission to contact you at any time per your request.
Government Disclaimer: Not connected with or endorsed by the United States government or the federal Medicare program. National producer number is 3772700.