Get your FREE Quote Now!
Quote Request
-
Life/Health Insurance
Each person has different needs that shape the coverage necessary for their own personal life insurance policy. In time things change and it is important to keep your life insurance policy up to date with these changes in your life.
Let Riley & Riley help you evaluate your need and provide you a policy to protect you and your family, we offer a long list of excellent carriers that provide Term Insurance, Universal Life, or any other life product that will fit your need.
Click on the Blue Cross image below to get your quote today!
-
Individual & Family Health Insurance
Today’s Decisions Help Shape the Future
Healthcare is vital to your family’s future. With everything that is going on with healthcare industry and the new government regulations right now there is no time to waste. We provide healthcare to individuals that are not offered benefits from their employers, or to those who maybe are their own employer, students, and the unemployed.
Find a Health Insurance Plan That Will Compliment you!
When an accident occurs the first thing you want to do, is to minimize what you pay out of pocket. Without an adequate Health Insurance plan medical costs can go through the roof. That is why it is important to have a health insurance plan that is right for yourself and your family.
Family is number one to us here at Riley & Riley. We can find you the appropriate Health Insurance so you can feel confident about your family’s safety and well being.
-
Group Health Insurance
Happy Employees = Happy Business Owners
As a business owner it is important to keep your employees happy so in return they work hard and make you happy. At Riley & Riley we will help provide the best suitable health insurance for your employees; nothing is more valuable than a healthy, insured staff. Your business will directly reap the benefits because healthy and happy staff equals a committed long-term staff.
We will find the best Group Plan for your company that will cover all your employees’ and business’ needs while at the same time still remaining affordable.
-
Term Life Insurance
Term life insurance provides life insurance protection for a specified period of time. If you do not currently have life insurance, term can be a good place to start. It's generally less expensive than permanent life insurance, and is available in varying term periods with fixed premiums from a one- (annual renewable term) to 30-year period (level term). Furthermore, term insurance is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.
-
Whole Life Insurance
Whole life insurance is a form of permanent life insurance that remains in force during the insured person's lifetime, provided premiums are paid as specified in the policy. Whole life insurance can build cash value.
-
Universal Life Insurance
Universal life insurance is a form of permanent life insurance characterized by its flexible premiums, flexible face amounts and unbundled pricing structure. Universal life can build cash value, which earns an interest rate that may adjust periodically, but is usually guaranteed not to fall below a certain percentage.
Individual & Family Health Insurance
Individual & Family Health Insurance
Smart Decisions Today for a Healthy Tomorrow.
As an individual, you’re most likely responsible not only for yourself, but also for the well being of your family. In order to keep yourself and those you care about most healthy and happy, you’ll want to ensure that you have the proper Health Insurance plan that can cover your every need and keep you protected financially.
With the cost of healthcare on the rise, you can’t afford to take any chances. At Riley & Riley Insurance, we offer Individual and Family Health Insurance plans to those who do not receive health benefit packages from their current employer, or are either self-employed, unemployed, or a student. Our various types of Individual and Family Health Insurance options include:
- FFS (Fee-for-Service)
- HMO (Health Maintenance Organization)
- PPO (Preferred Provider Organization)
- POS (Point-of-Service)
- HSA (Health Savings Account)
Since each insurance option differs in cost and benefits, it’s important to discuss your unique needs with an insurance expert who can keep you, your spouse, and your children covered under the right plan at a price you can afford.
Find a Health Insurance Plan That’s Right For You
Without an adequate Health Insurance policy, if you or a family member gets injured in an accident or becomes ill, the last thing you’ll want to experience is paying for high medical costs from your own pocket.
If you’re an individual looking for coverage either for yourself or your family, you can find the perfect Individual and Family Health Insurance plan from Riley & Riley.
Don’t risk your finances on expensive medical bills and services. Get the affordable protection that keeps those you care about most healthy with an Individual and Family Health Insurance policy.
Group Health
Group Health Insurance
Benefits That Keep Your Employees Happy.
As an employer in today’s business world, Riley & Riley knows how important it is to provide Health Insurance to the most valuable asset of your business – your employees. By providing each employee with a plan that meets his or her expectations, it can help your business lower turnover and keep a staff that’s healthy and insured with peace of mind.
At Riley & Riley, we’re proud to offer a variety of Group Health Insurance plans for small to mid-sized businesses – for quality assurance and additional benefits. Our Health Insurance specialists will work with you one-on-one to develop a Group plan that’s not only affordable, but complements your business’s needs.
Which Plan is Right for Your Business?
Group Health Insurance plans typically include either Indemnity Plans, such as Fee-for-Service (FFS), or Managed Care Plans, including: Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Point-of Service (POS).
The major difference between Indemnity and Managed Care Plans is the types of providers, choices of doctors and physicians, out of pocket expenses, and medical bill payments.
Since Group Health Insurance options vary from state to state in coverage options and benefits, as well as the size of your business, it’s important to discuss your business’s Health Insurance needs with a specialist who can help you find a solution that’s ideal and feasible for you and your employees.
Term Life Insurance
Term Life Insurance
Term life insurance provides life insurance protection for a specified period of time. If you do not currently have life insurance, term can be a good place to start. It's generally less expensive than permanent life insurance, and is available in varying term periods with fixed premiums from a one- (annual renewable term) to 20-year period (level term). Furthermore, term insurance is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.
Whole Life Insurance
Whole Life Insurance
Whole life insurance is a form of permanent life insurance that remains in force during the insured person's lifetime, provided premiums are paid as specified in the policy. Whole life insurance can build cash value.
Universal Life Insurance
Universal Life Insurance
Universal life insurance is a form of permanent life insurance characterized by its flexible premiums, flexible face amounts and unbundled pricing structure. Universal life can build cash value, which earns an interest rate that may adjust periodically, but is usually guaranteed not to fall below a certain percentage.
