RDS Insurance Brokers - Life Insurance and Health Insurance coverage

QUOTE INDEX

Automotive

Homeowner

Life & Health

RV & Marine

Business

Contractors

RDS Insurance Brokers provides life and life insurance related products that complement the multiline needs of our property-casualty customers.

In addition to AUTO and HOUSEHOLD property-casualty coverage's, we offer a variety of life insurance solutions for our individual customers.

These Include:

Auto - Home - Family Solutions

Business life insurance solutions


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	CASE SENSITIVE

Auto - Home - Family Solutions

	Return
●	Survivor Income
	We offer several plans that can be tailored to your individual needs, including replacing your lost income to survivors. Discounts for non-smokers and preferred risk classification for qualified individuals.
●	Mortgage/Debt Protection
	If a breadwinner dies, who makes the house payment? We have plans designed to pay off any type of home mortgage or debt situation in the event of premature death.
●	Short Term Debt Protection
	Auto Loans, credit card balances, short term loans... these types of debts don't just go away if the breadwinner dies prematurely. We have short term coverage at competitive rates.
●	Estate Tax Planning
	We offer products that can provide needed funds to cover taxes and administrative expenses associated with your estate.
●	Retirement Planning/Tax Deferred Savings
	Prepare for the future using our tax-deferred annuity series. We offer competitive interest rates and flexible premium plans - plus higher interest crediting rates for American States customers. Also suitable for IRAs.
●	Juvenile Insurance
	Protect future insurability with our special juvenile plan for children ages 0-17. This plan provides automatic options to purchase additional insurance regardless of future changes to their health or occupation.
●	Education Funding
	It's never too early to begin planning for future education expenses! The cash value of a universal life policy may be accumulated tax-deferred and accessed tax-free at a later date to help with education expenses.
●	Income Protection
	If you become disabled, who pays the bills? Our disability income coverage allows you to receive a portion of your income should you become totally disabled. Varied benefit periods are ideal for auto and home loans.
●	Last Expenses
	Regardless of circumstances, we have products suited to provide a sound life insurance foundation for the most basic necessity.
●	Business Interests
	We have plans available to help you start a business, or help you protect a business. This includes any business's most valuable asset - its people. Whether you're looking for a simplified pension, a 401(k), or a business continuation plan, we have a plan for you.

Business life insurance solutions

	Return
●	Key Person
	Does your business depend upon certain key people for its success? This program helps protect your business from financial loss when a key person dies. While life insurance cannot replace the loss of valuable skills, it can indemnify your company for the value of the special talents that are lost.
●	Business Continuation
	In the event of your death, does your business have a plan for the future? This program can assure your survivors that they will receive the full value of the business interest you have worked to build. It also can assure your employees that the business will continue in your absence.
●	Employee Bonus
	Would you like to offer special life insurance benefits to certain people in your business, and also enjoy a full tax deduction? This program allows you to give select employees a special tax-deductible bonus equal to the life insurance premium.
●	Salary Allotment
	Do you want to help your employees achieve financial security at no cost to you? This program provides employees with the opportunity to supplement their existing life insurance or disability income programs at no direct cost to you. Employees may voluntarily participate by purchasing individual policies through the convenience of payroll deduction.
●	Wage Continuation
	Do you wish to continue an employee's wages in the event of his or her total disability? This program shifts all or part of the burden to our insurance company through the purchase of individual disability policies.
●	Simplified Employee Pension
	Would you like to make contributions toward your employees retirement - hassle free? This plan provides most employers a simple way to make retirement contributions for individual employees without the complexity of a typical pension plan.
●	Executive Life Insurance Plans
	Would you like to use your business dollars to provide personal life insurance protection to yourself or select employees? These plans leverage your business dollars to finance personal life insurance protection. These types of plans typically involve larger death benefits.
●	Salary Continuation
	Are you interested in attracting a prospective employee or providing an incentive to retain certain key employees? This plan utilizes a special compensation agreement funded with individual life insurance policies.