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Life & Health Insurance

With medical costs like doctor visits, medicines, and hospital stay getting more expensive every year, life and health coverage are both reaching new levels of importance. The right policies from Richards & Summers Inc can help you avoid the burden of mounting medical expenditures and debt.

 

We are in direct communication with a complete lineup of industry leading insurance providers, and our agents won't rest until we find you the coverage you need. Visit our office in Denville Monday through Friday or fill out our FREE quote form right now.

Extensive Policy Options

  • Group health

  • Life insurance

  • Disability insurance

  • Key person insurance

  • Last-to-die policies

  • Buy and sell agreements

  • Long term care

Why Life Insurance is a Good Investment

Life insurance guarantees financial compensation to your family or loved ones in case of death or to you in the case of disability. Some policies even offer compensation after a certain period of time or for your retirement. This is a great way to you secure your family’s financial situation even in your absence. In exchange for your premium, also called payments, your insurer keeps a contract with you to pay a sum to your family in the event of death, disability or once a set date is reached. Life insurance will also provide you tax benefits because the premium you pay can be deducted from your taxable income. 

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