Life insurance might be the most important decision you can make for your family, business and employee’s. Unfortunately, we have one guarantee in life. However, life insurance is not strictly a death benefit anymore. It can be used for a retirement income stream, employee retention tool, business partnerships, loans, mortgage protection and living benefits (chronic and critical illnesses).

Two types of insurance have stood the test of time, term and permanent.  Over the last few years, insurance companies have become creative with innovative new products and we have access to these markets and products. I will review your current insurance and never sell you a product that isn’t in your best interest.

Life Insurance companies have a thorough underwriting process that includes blood work and urine analysis. We have plans that don’t require medical exams, but they rarely meet your needs and cost a lot more. Our medical questionnaire below takes out underwriting surprises that you will find standard on life applications.  The good news, if you can answer “No” to all the questions below, you have a great chance at the preferred best rate. Last, we will have a quote within 24 hours (usually much quicker) after you complete the questionnaire and we receive.

*By completing this form, you authorize Chris Ruhm to contact you by phone, text or fax at the phone number provided. You are not required to purchase any product. This consent applies to all products currently or in the future marketed or sold by us. This authorization continues until it is revoked by you. All information provided is at no obligation to you.