Life Insurance
Make an Investment in Those You Cherish Most
You can’t put a dollar amount on your family, but you can take steps to protect their future. None of us can predict when the unexpected will happen, but with the right planning, you can be prepared when it does.
Life insurance is one of the most meaningful investments you can make in the security of the people you love. While insurance can feel complicated, you do not have to navigate it alone. RHA takes the time to explain your options clearly, helping you understand what fits your life, your responsibilities, and your goals.
Together, you will explore the most common types of coverage, including term life, whole life, and universal life insurance. Each works differently, and the right choice depends on your season of life. We are here to help you make a confident, informed decision that protects what matters most.
What is Term Life Insurance?
If something unexpected happened to you, would the people you love be financially protected?
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Term life insurance covers you for a set period of time, like 10, 20, or 30 years. You pay a regular premium, and if you pass away during that term, the policy pays a lump sum to your family to help cover things like living expenses, debts, or a mortgage.
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RHA helps you choose the right amount of coverage for your season of life, making the process simple, personal, and affordable, so you can have peace of mind knowing your family is protected.
What is Universal Life Insurance?
If you want lifelong coverage but also want flexibility to access money along the way, universal life insurance may be a good option.
Universal life insurance works similarly to whole life insurance in that it covers you for your entire life, as long as the policy is funded. The difference is flexibility. Over time, the policy can build cash value that you can access or borrow against if needed. Any money borrowed can be repaid later, though it’s important to know that outstanding loans can reduce the payout to your loved ones.
RHA helps you understand these options clearly, so you can decide if universal life insurance fits your long-term goals while protecting the people who matter most.
What is Whole Life Insurance?
If you want protection that never expires and also builds long-term value, whole life insurance may be worth considering.
Whole life insurance covers you for your entire life, as long as you keep paying the premiums. When you pass away, the policy pays a guaranteed benefit to your loved ones. Over time, it also builds cash value that you can access or borrow against while you’re still living.
RHA helps you understand if whole life insurance fits your long-term goals, walking with you through the options so you can make a clear, confident decision that supports both protection and future stability.
What is Long-Term Care?
If you needed help one day with basic tasks like bathing, dressing, or moving around your home, who would provide that care, and how would it be paid for?
Many people will need long-term care at some point in their lives due to an accident, illness, or the natural effects of aging. The cost of that care can be significant, and it often falls on family members, impacting their income, savings, and way of life. There is a big difference between caring about a loved one and having to care for them every day.
Long-term care insurance helps cover these future costs, protecting your assets and reducing the burden on the people you love. RHA helps you plan ahead with clarity and care, so you can protect both your independence and your family’s well-being.
The premiums you pay on insurance depend heavily on your age and medical history, along with the amount you want the policy to pay out.
It’s important to seek expert advice before committing to life insurance.
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We’ll walk you through the options and help you to determine which is right for you.