A MULTITUDE OF INSURANCE SOLUTIONS TO MANAGE RISK AT EVERY LIFE STAGE.
From life and health insurance to disability and long-term care policies, RH&A can take care of all your insurance needs. Better yet, we can help you stay protected at any life stage, particularly if:
- You are a recent college graduate who’s no longer covered by a parent’s policy.
- Your employer doesn’t offer you access to a group health or life insurance plan.
- You are in-between jobs.
- You are a primary wage earner for your family and need to protect your earnings with disability income protection.
- You have retired early and have to wait a few more years to be eligible for Medicare.
- You want the protection of long-term care insurance to pay for care at home, in your community or in
a nursing home. - You are in need of Medicare Supplement and prescription drug coverage.
Among the range of insurance solutions we can offer you:
Life Insurance
We can also help you utilize life insurance to safeguard the financial security of your family and loved ones. We have partnerships with a number of top-quality insurers to make sure we can help you protect your goals and dreams—even after you’re gone.
Health Insurance
At RH&A, we stay on top of ever-evolving trends in health insurance. We also remain dedicated to the long-standing relationships we have with carriers who can provide access to the latest products. Plus, if you have a coverage or claim question, you can count on us to be your direct liaison to your insurer.
Disability Insurance
Did you know that, during your working life, you’ll more likely to become disabled than die? To protect your most valuable asset—your ability to earn a living—RH&A can offer you individual disability insurance that can help replace a portion of your income if you are ever unable to work.
Long-Term Care Insurance
Did you know that 40 percent of those between the ages of 18 and 64 need long-term care? Because long-term care is a critical planning issue today, this type of insurance has emerged as an important tool to help pay for the assistance you may need if you ever suffer a stroke or other prolonged illness. Thanks to the relationships RH&A has formed with leading insurance companies, we can design a plan for you that meets your specific needs.
Risk Management Services
Since insurance is an effective way to address exposure to unforeseen financial risk, we use a two-step process that helps us assess your current situation, and then allows us to identify any gaps in coverage where you may be especially vulnerable.
Step 1: Current Policy Assessment
Working closely with you, we:
- review any of your current policies;
- analyze your coverage to see if it’s meeting both your current needs—and future goals; and
- identify any gaps in coverage you may want to address.
Step 2: Capital Needs Analysis
Using your personal financial information, we’ll also use a capital needs analysis to calculate the amount of life insurance that’s right for you. We’ll:
- estimate your immediate cash needs (such as funeral and other final expenses);
- evaluate your intermediate cash needs (such as re-paying loans and emergency funds);and
- project your longer term needs, such as security for a spouse’s retirement, or lessening the burden of estate taxes.
