Insurance Services
Life and Disability Products
Gary P. Ruchin, CLU, ChFC, CFP®, AIF®, EA dba Ruchin & Associates, LLC offers a wide array of life insurance products to meet your individual and corporate insurance needs.
Gary P. Ruchin, CLU, ChFC, CFP®, AIF®, EA dba Ruchin & Associates, LLC works with approximately thirty life insurance carriers allowing him to find the right company with the right product to fit YOUR needs. Gary P. Ruchin, CLU, ChFC, CFP®, AIF®, EA dba Ruchin & Associates, LLC is an independent agent; he works for you, the client. Some of the products available include:
- Life Insurance
- Term (10-20-30 year term)
- Whole Life
- Universal Life
- Variable Life (See Investment Section)
- Group Life (Guaranteed issue with 5 or more lives)
- Business Overhead Expense Insurance (which insures business expenses such as rent, salaries, etc.)
- Disability Buy-Out Insurance (in the event a partner or business co-owner suffers a long-term disability)
- Disability Income replacement insurance is a valuable asset and can make a tremendous difference in your life[SP1] . We offer a wide variety of plans and products through various carriers for a client seeking disability insurance to meet his/her needs. We currently work with the following insurance carriers for disability insurance products:
- Unum
- Ohio National
- Guardian/Berkshire Life
- Mass Mutual
- Met Life
- Union Central
Through these insurance carriers (and others), we can offer a wide range of products and services, including:
- Individual Disability Insurance
- Group Disability (Short and Long-Term Disability)
- Group Disability-Guaranteed Issue (Five or more employees)
- Disability Buy-Sell
Gary P. Ruchin, CLU, ChFC, CFP®, AIF®, EA dba Ruchin & Associates, LLC is also a licensed Certified Insurance Consultant in Connecticut. We can provide insurance consulting services (in Connecticut only) in such areas as:
- Group Insurance
- Individual Insurance
- Disability Insurance
- Property and Casualty