Our #1 job is to find you the absolute best coverage at the lowest rate with top rated carriers. As an independent life insurance agency, we specialize in providing clients with affordable life insurance and income replacement disability insurance. As a life insurance and disability insurance broker, there is no need for you to 'shop' the marketplace, we will do all the work for you.
We are located in Orinda, California, but are licensed in Illinois, Washington, Texas and many more states! Compare Price Quotes Use our online quote machine to get instant price quotes from more than 20 top life insurance companies. Complete Application Fill out and submit our secure online life insurance preliminary application anytime and anywhere.
Health Assessment You will receive a phone call from an exam company to complete a health interview and, if needed, to schedule a paramedical exam. Receive Policy Offer Typically within 2-4 weeks you will receive an offer back from the insurance company. This you can choose to accept, reject, or modify.
We are located in Orinda, California, but are licensed in Illinois, Washington, Texas and many more states! Compare Price Quotes Use our online quote machine to get instant price quotes from more than 20 top life insurance companies. Complete Application Fill out and submit our secure online life insurance preliminary application anytime and anywhere.
Health Assessment You will receive a phone call from an exam company to complete a health interview and, if needed, to schedule a paramedical exam. Receive Policy Offer Typically within 2-4 weeks you will receive an offer back from the insurance company. This you can choose to accept, reject, or modify.
Services
Since 1970 - RWM Insurance (Rogers, Wollin & Moody) is an industry award winning, unique, independent brokerage firm licensed and actively serving 33 states.
No other agent or broker will give you more competitive pricing information.
Studies show almost all 'independent' agents only represent a very limited number of carriers.
In researching the best coverage for you, we evaluate every* company & policy in the USA.
By working for you, not an insurance company, our goal is to provide the absolute best performing policy at the lowest cost from a top rated company.
No other agent or broker will give you more competitive pricing information.
Studies show almost all 'independent' agents only represent a very limited number of carriers.
In researching the best coverage for you, we evaluate every* company & policy in the USA.
By working for you, not an insurance company, our goal is to provide the absolute best performing policy at the lowest cost from a top rated company.
There are many kinds of life insurance, but they generally fall into two categories: Term Life Insurance and Permanent Life insurance policies.
Term life insurance is designed to meet temporary needs.
It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term.
This type of life insurance often makes sense when you have a need for coverage that will disappear at a specific point in time.
For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.
Term life insurance is designed to meet temporary needs.
It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term.
This type of life insurance often makes sense when you have a need for coverage that will disappear at a specific point in time.
For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.
With so many factors and assumptions, there are many answers.
It simply takes a LOT of money to permanently replace a breadwinner's annual income.
About 20 times your income is recommended (adjusted for your financial situation).
According to David F. Woods (President, nonprofit Life & Health Insurance Foundation for Education, Washington, D.C), most Americans are underinsured and unaware because how much insurance they need was improperly analyzed.
So consumers often purchase an inadequate amount of coverage.
It simply takes a LOT of money to permanently replace a breadwinner's annual income.
About 20 times your income is recommended (adjusted for your financial situation).
According to David F. Woods (President, nonprofit Life & Health Insurance Foundation for Education, Washington, D.C), most Americans are underinsured and unaware because how much insurance they need was improperly analyzed.
So consumers often purchase an inadequate amount of coverage.
Life insurance underwriting is a way that an insurance company decides how much your insurance premiums will cost.
For life insurance, the company will decide how likely you are to pass away before your life insurance policy ends.
The underwriter works for the insurance company.
They will analyze your health, lifestyle and medical history to determine the general state of your health and life expectancy for insurance purposes.
After your application for life insurance is verified and approved, you must participate in a phone interview and paramedical exam.
For life insurance, the company will decide how likely you are to pass away before your life insurance policy ends.
The underwriter works for the insurance company.
They will analyze your health, lifestyle and medical history to determine the general state of your health and life expectancy for insurance purposes.
After your application for life insurance is verified and approved, you must participate in a phone interview and paramedical exam.
Your most valuable (and largest) asset is your paycheck, the one thing that pays all expenses and makes owning all other assets possible.
Quality disability (income replacement) protection is needed more than any other type of insurance.
The chance of becoming disabled is much higher than you might expect.
All statistics say basically the same thing - there's a good chance it could happen to you.
If you pay to protect your house, it sure makes sense to protect your paycheck (you are 20 times more likely to be disabled over 4 years than have a house fire).
Quality disability (income replacement) protection is needed more than any other type of insurance.
The chance of becoming disabled is much higher than you might expect.
All statistics say basically the same thing - there's a good chance it could happen to you.
If you pay to protect your house, it sure makes sense to protect your paycheck (you are 20 times more likely to be disabled over 4 years than have a house fire).
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