Arkansas, Arizona, Colorado, Florida, Georgia, Indiana, Kansas, Kentucky, Maryland, Michigan, Missouri, Nevada, Ohio (Resident State), Oregon, Pennsylvania, Tennessee, Texas & Virginia. All states subject to change.
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. I want to be your insurance resource.
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.
I provide the following services for individuals, families and small businesses.
Chris Ruhm is an independent agent since 2000. He represents over 40 insurance carriers throughout 18 states (subject to change). We shop the carriers to find you the right coverage. His goal is to be your insurance resoource. He is happy to review and share his opinion on any product to help you make objective decisions.
His passion is finding the solution: the best policy available at an affordable premium to fit your needs. Keeping your money where it belongs, in your pocket vs the insurance companies. He educates his clients so an informed decision can be made. It's about preserving your wealth and peace of mind if the event of an unfortunate circumstance.
When I'm not doing insurance you can find me with family, hiking, playing with our dogs and enjoying the great outdoors. This pic was taken in Glacier National Park near Many Glaciers Lodge.
Whenever purchasing a policy with me or any Insurance Advisor, NEVER cancel your current policy until the new one is in place.
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.
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.
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.
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We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Neither the insurance company nor the agent/broker making a solicitation have any connection or affiliation with, and are not in any way sponsored by, the federal or state government, the Social Security Administration, the Centers for Medicare and Medicaid Services, or the Department of Health and Human Services.
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