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COVID-19 Update:

At RMS and associated firms, business continues as usual. Our staff is remote-capable and available to handle all partners, brokers, and insureds at the present time.
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How to Get Health Insurance Subsidies If You've Been Unemployed How to Get Health Insurance Subsidies If You've Been Unemployed

Jan 11, 2022

Home Insurance

How to Get Health Insurance Subsidies If You've Been Unemployed

During the height of the COVID-19 pandemic, more than 16 million Americans lost their jobs and their employer-sponsored health insurance, as per the Employment Policy Institute. To ensure the affected workers did not lose their health insurance policies, the federal government implemented the American...

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Common Exclusions in a Home Insurance Policy Common Exclusions in a Home Insurance Policy

Dec 14, 2021

Life Insurance

Common Exclusions in a Home Insurance Policy

Your homeowners' insurance covers several types of losses, including those related to your home's structure, personal possessions, etc. However, events that aren't covered by basic homeowners insurance will have to be covered with an additional policy. Reading through any policy before purchasing it...

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5 Reasons Why You May Be Denied Life Insurance Coverage 5 Reasons Why You May Be Denied Life Insurance Coverage

Dec 07, 2021

Health Insurance

5 Reasons Why You May Be Denied Life Insurance Coverage

Applying for life insurance requires that you have all of your paperwork, including your medical records, in order. However, despite proper documentation, your application may be declined. It all depends on the level of risk you present during the application process. The following are five reasons...

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Does Your Business Have Enough Alcohol-related Coverage? Does Your Business Have Enough Alcohol-related Coverage?

Nov 16, 2021

Homeowners Insurance

Does Your Business Have Enough Alcohol-related Coverage?

Restaurants and bars that serve alcohol must consider liquor liability insurance to go along with a standard business insurance plan. Liquor liability is special add-on coverage to protect your establishment if a customer gets too drunk and causes damage to themselves or others. Here's why you need this...

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Why You Need Your Social Security Number for Life Insurance Why You Need Your Social Security Number for Life Insurance

Nov 02, 2021

Business and Commercial insurance

Why You Need Your Social Security Number for Life Insurance

Life insurance providers typically require prospective policyholders to provide their social security numbers (SSNs) and other personal details for various reasons. However, since cases of identity theft have surged in the recent past, you should be vigilant about giving out your SSN. Before you give...

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Reasons Why It Might Be a Good Time to Invest in Life Insurance Reasons Why It Might Be a Good Time to Invest in Life Insurance

Oct 12, 2021

Insurance

Reasons Why It Might Be a Good Time to Invest in Life Insurance

It's common for people not to acknowledge they are going to die someday. However, it doesn't have to be a dreary topic, especially if you care about the future of your family members. Enrolling in life insurance is part of a long-term plan for families to ensure long-term financial security. Here are...

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Get Affordable Health Insurance with the American Rescue Plan Act (ARPA) Get Affordable Health Insurance with the American Rescue Plan Act (ARPA)

Oct 05, 2021

Life Insurance

Get Affordable Health Insurance with the American Rescue Plan Act (ARPA)

Buying your own health insurance can get expensive if you work independently. Even so, a new federal law signed in March 2021 is providing mass healthcare insurance subsidies for nearly all Americans. This plan is worth $1.9 trillion, making it one of the most expensive government programs of all time....

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Why Do You Need a Business Owner's Policy? Why Do You Need a Business Owner's Policy?

Sep 14, 2021

Life Insurance

Why Do You Need a Business Owner's Policy?

A business owner's policy, or BOP, is well worth the money considering all of the advantages you get with one easy-to-use policy. As a business owner, it is up to you to protect your bottom line. With a business owner's policy, you can protect every aspect of your investment without a lot of extra paperwork....

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5 Common Exclusions in a Life Insurance Policy 5 Common Exclusions in a Life Insurance Policy

Sep 07, 2021

Life Insurance

5 Common Exclusions in a Life Insurance Policy

When you purchase a life insurance policy, you expect that your family will collect the death benefit if something unthinkable should happen to you. You need to know what exclusions your policy may include. There are several events that your policy may not cover. Being prepared is the best way for you...

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Reasons for Obtaining a Business Owner's Policy (BOP) Reasons for Obtaining a Business Owner's Policy (BOP)

Aug 17, 2021

Insurance

Reasons for Obtaining a Business Owner's Policy (BOP)

The uncertainties that many small businesses face daily make it vital to have contingency measures to avert loss. One way to protect your business against financial loss is to have the right insurance policies in place. As an entrepreneur, consider getting a business owner's policy (BOP) for coverage...

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Does Homeowners Insurance Cover Appliances? Does Homeowners Insurance Cover Appliances?
Does Homeowners Insurance Cover Appliances?
Is It Necessary to Get Insurance If Your Business Has No Inventory? Is It Necessary to Get Insurance If Your Business Has No Inventory?
Is It Necessary to Get Insurance If Your Business Has No Inventory?
Does Car Insurance Cover Hitting a Deer? What You Need to Know Does Car Insurance Cover Hitting a Deer? What You Need to Know
Does Car Insurance Cover Hitting a Deer? What You Need to Know
Health Insurance for Dermatology: What's Covered and What's Not Health Insurance for Dermatology: What's Covered and What's Not
Health Insurance for Dermatology: What's Covered and What's Not
7 Common Renovations and Their Impact on Homeowners Insurance Cost 7 Common Renovations and Their Impact on Homeowners Insurance Cost
7 Common Renovations and Their Impact on Homeowners Insurance Cost