- Life InsuranceAlthough there are two primary forms of life insurance, Term and Whole Life, the variations of coverage under each category is fairly extensive. The most popular types are detailed below.
- Health InsuranceBut the risks of foregoing health insurance can be ruinous – 60 percent of all personal bankruptcies are due to overwhelming health costs – or it can be fatal: It was recently reported that over a six-year period, 137,000 Americans died because they lacked coverage and didn't receive care.
- Disability InsuranceRitch Insurance works with businesses to find the best coverage. We also can help find the right disability insurance for individuals, protecting your lifestyle and long-term savings in case of a disability or illness. If you're not covered by your employer, individual insurance is an excellent option.
- Long Term Care...I think of Ed in terms of the Boy Scout things......you know, "loyal, honest, courteous," etc. And now we've purchased Long Term Care policies for both of us. One less thing we have to worry about thanks to Ed. He's excellent! "
- Dental InsuranceIndividual dental insurance is highly affordable, as the coverage includes regular check-ups and provides savings in case an individual requires more serious work.
- Workers Compensation InsuranceThe average monthly benefit paid by Social Security Disability Insurance (SSDI) in 2010 was $1,065. And more than two-thirds of initial SSDI claim applications were denied in 2009. Workers' Compensation is even tougher to qualify, as about 90% of disabling accidents and illnesses are not work-related.