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Individual Life Insurance in Columbus OH & Dublin OH

Reassurance for you and your Loved Ones.

Risk Management Financial Solutions of Ohio provides life insurance to individuals in Columbus, Dublin, Worthington, Upper Arlington, Hilliard, Westerville, and surrounding areas.

Many individuals consider life insurance to be the cornerstone of a sound financial plan. And while no one likes to think about passing on, Life Insurance can relieve you of the financial worry your loved ones may face in the event of your passing. 

Your beneficiaries will be able to use your Life Insurance policy to help pay for anything from expensive funeral costs and estate taxes to making up for lost income or funding your child’s education. It can even be used to continue payments on your mortgage to help ensure that the family home stays in the family.

At Risk Management Financial Solutions of Ohio, we know that choosing a Life Insurance plan is a big decision with many important factors to consider. Our knowledgeable team of insurance professionals is committed to walking you through the process and providing you with the best insurance solution to give you and your family the reassurance they deserve. 

Types of Individual Life Insurance

Risk Management Financial Solutions of Ohio offers several different coverage options for your consideration including term life, whole life, and more.

Term Life – This is typically the simplest and least expensive insurance option. Term life insurance provides coverage at a fixed rate for a specified period of time. It’s a benefit policy that’s used primarily to cover financial responsibilities of the insured, with the benefit to be paid only if the insured were to die during the specified term. Most term life policies can be converted to a more permanent insurance solution such as whole life or universal life insurance.   

There are two types of term life insurance: 

  • Annual Renewable Term is purchased for a period of one year, with the death benefit to be paid only if the insured were to die during that one-year term, along with the option to renew after the term period.
  • Level Term Life guarantees a fixed premium for a given period of time, usually in terms of 10, 15, 20, or 30 years. Your premium is based on your age and coverage options, with longer terms being more expensive.
  • Whole Life – As the most common type of permanent insurance, a whole life policy guarantees a death benefit for the lifetime of the insured as well as a cash value account for savings. Your premium remains constant throughout the duration of policy while payments over and above your premium are credited to your savings, which earn a fixed rate of interest. 

Risk Management Financial Solutions of Ohio is here for you

There are many things to take into account when purchasing life insurance, and changes in your life situation can reflect changes in your insurance requirements. That’s why it’s important to carefully consider the different policy options and ensure that you have the right solution to meet your long-term life insurance needs. 

An insurance specialist with Risk Management Financial Solutions of Ohio will review your current life insurance situation and help you design a policy to plan for the future. 

At the end of the day, one of the biggest investments you can make is an investment in yourself. 

As your personal situations change (i.e., marriage, birth of a child or job promotion), so will your life insurance needs. Care should be taken to ensure this product is suitable for your long-term life insurance needs. You should weigh any associated costs before making a purchase. Life insurance has fees and charges associated with it that include costs of insurance that vary with such characteristics of the insured as gender, health and age, and has additional charges for riders that customize a policy to fit your individual needs.

Our Location

Office

5860 Venture Drive Ste A
Dublin, OH 43017
Main office: 614-764-8505

Our Providers

"On behalf of our leadership team, I want to thank you and the members of the RMFS team for your involvement, dedication, and shared passion for service excellence. You have supported us well and that has increased our effectiveness in achieving our mission to improve the health of those we serve."
Leading Healthcare Provider
"Dick and I communicate almost daily. We are both busy, but he never fails to return calls and e-mails whether they come from me or my admin assistant. Dick always returns these calls ASAP but at a minimum, within a 24-hr. period. He even handled a request for me when he was on vacation out of town. I use Dick to provide the insurance policies for my contracting business, my rental properties, my home, and my bonds. Dick has put together these packages using 5 different insurance companies."
Matthew Egner of Egner Construction
"I consistently consult Dick on any question regarding insurance. If he happens to be unavailable, he returns my phone calls in a timely manner and provides clear concise answers. Most recently, he counseled me regarding the handling of a claim which could have voided my insurance coverage. I sure didn’t want to do that. That kind of knowledge and service is exactly why I have my business, home, life, and employee benefits with Dick and RMFS of Ohio."
Brad Rose of Contractors Siding Outlet
"Completion at last. I picked up my car from the dealership. Repairs were completed and covered by the other party’s insurance. I would not have had this quick and successful solution if you had not acted as my intermediary with the other party and their agency. To say that I am grateful cannot really convey my feelings. Thank you again for all your help and forbearance. It is really good to have a local agent."
A Grateful Client
"As a business owner, I must concentrate on bringing in income. Also, I must have confidence in my service providers and vendors. Dick has consistently communicated with me and always in a timely manner taken care of any of my requests. I recommended Dick to my friend and business associate Everitt. Dick has provided him with the same high quality service, I have received. Dick has shown that he is interested in nurturing and sustaining our business relationship."
Mitch Capperes of Buckeye Protection