Life Insurance

Term Life Insurance


Simply put, Term Life Insurance is the most affordable way to provide a large death benefit at the lowest premium. We shop through multiple carriers to find the best rates available. Term life compliments your permanent insurance plan for it's low cost.

Term life insurance guarantees a death benefit and premium for the length of the term, typically 10, 15, 20, 25 or 30 years. 

I provide you with a quote tool from Transamerica. They offer two term options: Trendsetter Living Benefits or Trendsetter Super (lower rates without living benefits). This is a simple tool to give you an idea of the cost. These variables that can effect rate include:

  • Family History
  • Age
  • Height & Weight
  • Tobacco & Marijuana Use
  • Driving Record
  • Criminal Record
  • Hobbies
  • Medications

It's always best to reach out to me for an underwriting analysis and quote. I have many A+ rated carriers besides Transamerica. 

Permanent Life Insurance


Under the permanent life insurance umbrella lies a variety of different products, most notably Whole and Universal life.  These products typically carry a cash value if funded correctly that can be borrowed against or used for certain life events.  I believe Index Universal Life policies illustrated correctly will provide you the freedom we all strive to achieve. Therefore, I do not recommend a Whole life policy. 

An index universal life policy will provide a slow, steady, simple & secure financial situation that 85% of the top CEO's in America utilize.  The results achieve exponential growth. If illustrated correctly, should be used by all walks of life at any income. If you learn these simple rules, you will have a significant retirement income and legacy for generations. 

  • Pay Yourself First
  • Exponential over Linear Growth
  • Compounding Interest
  • Singles & Doubles vs Home Runs & Strike Outs

As Albert Einstein once said, "Compound Interest is the Eighth Wonder of the World. He who UNDERSTANDS it, earns it. He who doesn't, pays it."  I would like to show you an illustration utilizing the patent pending MPI system. It will generate 3-4 times the income of traditional investment planning and you'll reap the rewards of Albert Einstein's quote.

Final Expense Burial Insurance


Your mailbox, voicemail or TV may be buzzing with Final Expense advertisements. You could even get an agent door knocking at your home. These are expensive Whole Life insurance products and should be reviewed carefully. If you get a quote and would like an agent that is not a fan of these polices review it, you're in the right spot. For the right person, these could make sense, just do the math and make an educated decision. Otherwise, I refer to these policies as the "Pay Day Loans" of Life Insurance.

It's possible that you may only qualify for a Final Expense policy. In that case, it could be a viable option for you. Make sure you understand the wording in these policies before signing the application. I have a lot more detailed information on the various policies available and how they pay in a blog I posted. Please click on the "Learn More" button below.

Living Benefits


Life insurance you don't have to die in order to use. These incredible policies provide Critical & Chronic illness riders built into the policy typically at an insignificant or no cost difference. 

Terminal Illness is provided with most policies, so this portion of living benefits is not unique. It allows you to withdrawal a percentage of your death benefit if you receive the unfortunate news that you have 6 months or less to live.

Chronic Illness is typically defined by not being able to perform 2 of the 6 activities of daily living. (Bathing, Dressing, Continence, Transferring, Toileting & Eating). In this event, a portion of your death benefit can be used to pay for this long term care.

Critical Illness is a life altering event such as heart attack, stroke or cancer. Again, these plans will help pay for the out of pocket costs associated with one of these devastating events. 

Please watch the video about a family in Oklahoma. Living benefits helped Dave provide for his family and help him get healthy without the financial stresses.

Contact Us

Drop us a line!

Ruhm Insurance Agency, LLC

Cincinnati, Ohio, United States

(513) 335-2465



09:00 am – 05:00 pm


09:00 am – 05:00 pm


09:00 am – 05:00 pm


09:00 am – 05:00 pm


09:00 am – 05:00 pm