Personal Insurance

photodune-656422-family-sitting-on-a-sofa-lNo one is completely immune to the risks of everyday life. Whether you are on your way to the mall or doing some work in the garden, an unforeseen event can take the wind out of your sails. There are many good reasons to protect against such eventualities. Our experts provide our clients valuable advice on the array of insurance policies on the market today.

Resurgens Risk Management understands that you want more than basic insurance coverage.  You want a company that understands your life goals and gives you the quality of service you deserve.  As an independent broker, we represent the nation’s leading insurance companies to offer the best personal insurance coverage rates.

Our knowledgeable and efficient personal line specialists make your personal insurance needs their top priority.  Employing the most advanced information technology, we can match your needs with the best and most economical providers as quickly as we assess them.

Our clients’ insurance needs are top priority at Resurgens Risk Management.  We believe that buying insurance should be simple and straightforward. Insurance policies should be easy to understand, and our customer service representatives make it his or her priority to ensure that our clients have that experience. Getting that level of superior service should be the rule and not the exception.  Our clients count on Resurgens Risk Management to offer the best protection and the best possible value.

Our Personal Line Products

HOMEOWNERS INSURANCE – For many people, their home is their greatest asset.  Homeowners insurance plays a vital role in the protection of this asset.  Resurgens offers protection for home and your personal possessions at affordable rates.

AUTOMOBILE INSURANCE – Enjoying the freedom and mobility of owning an automobile is a part of the American way of life.  At Resurgens, it is our job to protect that freedom through offering quality automobile insurance coverage.

UMBRELLA LIABILITY – Resurgens’ umbrella policies offer additional protection for catastrophes, unusual exposures, and additional liability limits beyond underlying insurance coverage.  Our plans increase personal liability limits by adding protection to your current auto, homeowner, and boat policies.

ANNUITIES – Resurgens Risk Management offers a diversified line of annuities to meet savings and investment needs of our clients. Our personal lines specialists will help with the selection and match annuities with your risk tolerance and financial profile.  Annuities are sold by a life insurance company, which guarantees a fixed or variable payment at some future time, usually at retirement.  Annuities offer flexible payment options, including the ability to generate an income that the annuitant cannot outlive.

DISABILITY INSURANCE – Disability Insurance protects your most valuable asset – YOUR INCOME!  Resurgens Risk Management represents the finest disability insurance carriers in the country.  We will provide our clients with a perfect fit for their personal needs and financial situation.

LONG-TERM CARE (LTC) – Resurgens Risk Management represents a selected group of financially sound, reputable, industry leading long-term care insurance companies.

FINANCIAL/ESTATE PLANNING – Resurgens looks at the big picture concerning financial and estate planning. Unlike other financial advisors, we go a step beyond financial planning and wealth building to preserve wealth and transmit it to heirs and beneficiaries.  We view Financial/Estate planning as a top priority.

INDIVIDUAL HEALTH AND DENTAL INSURANCE – Going without health insurance even for a short time creates serious financial risk.  Our goal is to select high quality health and dental insurance carriers that meet our clients’ needs.  We specialize in helping our clients plan for the unexpected.

PREPAID LEGAL COVERAGE – By prepaying a low monthly or yearly amount, one can defray potentially astronomical legal expenses further down the road.  Resurgens Risk Management can help you select prepaid legal coverage to reduce significantly the costs of initial consultations, follow-up advice, and representation.

LIFE INSURANCE – Life insurance is a crucial step in planning for the future.  Not only can life insurance fulfill promises made to family, there are several life insurance plans that provide benefits during life.  Resurgens offers a variety of life insurance policies from carefully selected companies. One can choose from a product line that includes both cash value (universal life, whole life, variable life) and term policies.  Cash value policies are those, which can grow in value.  The policy provides coverage until death, or normally until at least 100, provided the policy does not lapse.  Term life policies pay only a death benefit and do not accumulate a cash value over time.

MUTUAL FUNDS – Mutual funds are one of today’s most popular investment choices.  We offer a full range of mutual funds ranging from conservative choices and much more aggressive options.  We have selling agreements with hundreds of the industry’s leading fund families, including AIM, Fidelity Investment Management, Oppenheimer Funds, and more.  An RRM representative can provide a full list of mutual fund options.

EDUCATION PLANNING/529 PLANS – The cost of college education continues to rise, and next to retirement, the cost of a college education may be the biggest expense a family is likely to face.  Congress enacted legislation (529 Plans) allowing states to create tax-free savings vehicles for college expenses.  Please talk to your Resurgens representative to learn more about this opportunity for you and your family. (You may obtain a copy of program descriptions that outline the fees, expenses, and risks associated with these programs by contacting your RRM representatives.  Read carefully before you invest or send money).

VALUABLE  ARTICLES – In the unfortunate event that cherished valuables are lost, stolen or damaged, the last thing one wants to hear from their insurer is that the coverage is not adequate to replace them. Even worse, there could be no coverage in place. This coverage provides the best protection available for one’s most valuable possessions, including fine art/antiques, jewelry, wine collection, rare books, furs, china/crystal, stamps/coins and silverware.

FLOOD INSURANCE – Standard homeowners and renters insurance does not cover flood damage. Standard homeowner’s policies exclude flood damage. Only a flood insurance policy, available to homeowners and renters through the federal government will cover flood-related losses.

Learn more about:

  • Auto insurance
  • Health insurance
  • Liability insurance
  • Life insurance

We also consult on the following personal insurance policies:

  • Disability insurance
  • Annuity insurance (retirement funds)
  • Long-term care insurance

Looking for something else?

With years of experience in the business, we are confident that we can find a solution that suits your needs. Contact us for more information.

We also consult on the following personal insurance policies:

  • Disability insurance
  • Annuity insurance (retirement funds)
  • Long-term care insurance

Looking for something else?

With years of experience in the business, we are confident that we can find a solution that suits your needs. Contact us for more information.

Personal Insuranceadmin