Personal Insurance

Personal Insurance

There are many different types of Personal Insurance Products, each represented by hundreds of providers and each product varies considerably depending on the product line. Our goal at
R. J. Welsch & Associates is to assist you in simplifying the selection process. We regularly conduct extensive product and provider research and analysis so you don’t have to.

Our status as an Independent Financial Services Network allows us to provide you with an unbiased, objective approach to finding the insurance product that is right for you without the burden of having to meet product “quotas”. Insurance and benefits are key components of your total Financial Plan. For this reason, we recommend any product introduction be preceded by the appropriate Financial Planning concept.

Our approach includes a detailed needs analysis and planning discussions to provide proper guidance to the right product on a priority basis. With a Personal Plan in place, we can also review existing products, provide proposals and comparisons on competitive alternatives and provide education on and identification of primary differentiators to help you understand how key components vary by carrier.

We provide assistance for all stages of the process, from development of your financial goals to guidance on the application process, troubleshooting on claims issues and insuring that you remain in a competitive position with all insurance and benefit products in your portfolio over the course of your career and beyond.

Personal Insurance Products:

Health Insurance
Life Insurance - Term, Universal, Variable, Whole, Joint, Survivor, Mortgage.
Disability Insurance
Dental & Vision Insurance
Long Term Care
Senior Insurance Products (Medicare Supplements, Medicare Part D, etc.)
Property & Casualty - We are not a P&C agency, however, we do have several relationships and alliances for those types of products.