Additional Insurance Solutions

Long-Term Care


The biggest threat to your retirement portfolio is you (or spouse) needing long term care.  This is why long term care insurance is the most important piece of a retirement plan. There’s a good chance that you may need to pay for nursing home, assisted living or, home health care one day. In fact, more than half of the U.S. population will require long-term care at some point in their lives.

Long term care insurance has 5 types of policies for your consideration.  It’s an important decision you need to make and it’s not for everyone. I am certified to help with the long term care partnership, a program designed to protect your assets if a claim occurs. Typically, a long term care policy is only purchased once in life, so get all your options.

  1. Traditional Long Term Care Insurance 
  2. Traditional w/ LTC Partnership: The long term care partnership policies are special, government approved policies that can protect up to 100% of your assets from Medicaid if your LTC benefits run out. 
  3. Hybrids: Life insurance policies will combine a long-term care insurance rider. The policies will pay a death benefit to your beneficiaries in addition to long term care benefits. Death benefit will decrease along with value of life policy when LTC is accessed. These policies can typically be paid in a lump sum, 10-15 years of through a fixed indexed life universal life policy. Most policies will show a guaranteed benefit for life & long term care.
  4. Annuity with LTC component: Linked benefit annuities combine an annuity with long-term care insurance. If you never use the long term care, the annuity is passed on to your beneficiary. Often purchased by individuals with conditions that may disqualify you from the other 4 types of policies.
  5. Recovery Care Policy: Recovery care policies cost less than long-term care insurance. These policies are designed to pay for two or less years of coverage. A nice alternative for people with assets under $100,000 or have an older plan with no home care.

Many factors go into long term care quotes and determining the right plan. A thorough evaluation is used in determining the right plan. Please fill out the contact form or give us a call and we can discuss your best option.



You have worked hard to build your nest egg. Now it's time to end the worry and enjoy your rewards. If 2008 and losing 40% of your hard nest egg is a worry of yours, Annuities can reduce or eliminate these concerns.

An annuity is a contract between you and an insurance company that is designed to meet retirement and other long-range goals, under which you make a lump-sum payment or series of payments. In return, the insurer agrees to make periodic payments to you beginning immediately or at some future date.

Annuities typically offer tax-deferred growth of earnings and may include a death benefit that will pay your beneficiary a specified minimum amount, such as your total purchase payments. While tax is deferred on earnings growth, when withdrawals are taken from the annuity, gains are taxed at ordinary income rates, and not capital gains rates. If you withdraw your money early from an annuity, you may pay substantial surrender charges to the insurance company, as well as tax penalties.

There are generally three types of annuities — fixed, indexed, and variable. Fixed and indexed annuities allow you to enjoy the positive market gains without the loss of your principal in down markets. If an annuity is an option that you would like to explore, I can help you find the one that will meet your income goals in retirement.



Disability is the most important insurance you carry. Becoming disabled through an injury or sickness can mean a significant loss of income. It doesn’t take long to begin to feel the pressure and fear of covering every day bills. Protecting your income with a disability insurance policy may be the most important decision you make. If you can’t pay for your home, auto or other important bills due to a disability you could lose your most important assets.  If you want to protect your paycheck, disability insurance is the solution. 

Types of Disability Insurance:

  • Individual Disability Insurance: Replaces an individual’s income if they are unable to work due to sickness or injury.  If you’re self employed, this policy is for you. Your company may offer a group policy similar to this product. 
  • Retirement Completion: Allows retirement plan funding to be completed if an injury or illness prevents an individual from working.
  • Business Overhead: A policy that reimburses the insured business owner for covered expenses that are incurred in the day-to-day operation of business.
  • Disability Buy Out: Provides necessary funds to buy out the business interest of the disabled owner.
  • Key Person: Helps provide funds to a business for protection against financial loss that can occur during a key person’s disability.
  • Business Loan: Designed to make loan payments if the business owner is too sick or injured to work.

If you would like a no obligation review of your disability insurance needs, please contact me.

Home, Auto, Business & Group Health


While I do not personally provide these services, I have partnered with agencies across the country that I know, like and trust to help you. If you need a qualified referral for home, auto, business or group health insurance, please let me know and I will put you in good hands for a no-obligation review and  quote.

Additional Services


  • Health Savings Accounts: Reduce taxable income, pay for qualified health plans and get a lower premium on your health insurance. 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 eligible offering (one simple fee).  Lively is the #1 user-rated HSA on the market. Ready to check out Lively, click here.
  • Travel Trip Medical Plans: Covers you traveling out of your country.
  • Supplemental Insurance: Individual & Group Plans including Hospital, Cancer, Critical Illness, Accident, Short Term Disability, Dental & Vision.

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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.

Any form filled out on my site will solely be used strictly for it's 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 anytime 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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Always a no-obligation review!

By filling out this form, Chris Ruhm or one of his agents will reach out to you. If we use a trusted partner, it will be communicated before sharing the referral. We do not resell or share your info without your consent. You may rescind our permission to contact at your request. 

Ruhm Insurance Agency, LLC

Cincinnati, Ohio, United States

(513) 335-2465