Chris Ruhm-Insurance Advisor
Insurance Offerings
Building Relationships
Insurance Offerings
I provide the following services for individuals, families and small businesses. Please click on any of the links to learn more.
- 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
- Home, Auto & Business Referrals
Assessing Need
Building Relationships
Insurance Offerings
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. Our goal is to provide you with the right coverage. 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 coverage.
Leaving a job, self employed or preparing for retirement we're here to help you through the transition,
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. If any questions on the application would change from a NO to YES before the proposed effective date, but after the application is submitted could result in a declined policy. Certain guaranteed issue rights may negate this statement, but always discuss with your Advisor.
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.
Health Savings Accounts
- Health Savings Accounts: HSA's help reduce taxable income, pay for qualified health plans and lower premium on your health insurance. HSA's are not the health plan, they are savings accounts that compliment a health insurance plan that must meet a specific criterion for you to open an HSA. If you have an HSA eligible plan, you are not required to open an HSA account.
- Lively offers a no cost HSA account for individuals (no fees) and a nice group plan offering if you own a company and have an HSA. Lively is the #1 user-rated HSA on the market. Ready to check out Lively, click here.
- This is a great article on the many retirement benefits of an HSA. Here is a YouTube video I created on why I think an HSA plan is the best health insurance solution in most scenarios.
Referral Partners
I work and network with CPA's. Financial Planners, Estate Lawyers, Property & Casualty Agents, PEO's, Group Health Advisors & 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 yours or I can connect you with some in my network.
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 does not use cookies that track every move you make on the internet and invade your privacy.
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 without your permission. When filling out my forms, only Chris Ruhm or one of his agents will reply to your request. 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.
