Serving Americans Since 1988  ·  Save 40–60% on Health Insurance  ·  Call (866) 230-2324
Trusted Since 1988  ·  36+ Years of Excellence

Save 40–60% on Health Insurance Premiums

Ring Benefits connects you with private, non-marketplace health and life insurance plans designed to protect your family and your finances — without paying for coverage you don't need.

Access to 65+ top insurance carriers nationwide
Coverage available in all 50 states
Education first — no high-pressure sales tactics
Family protected by Ring Benefits health and life insurance

Real Results for Real Families

Why thousands of Americans choose Ring Benefits for health & life insurance:

40–60%
Average savings on premiums
65+
Top insurance carriers
36+
Years of industry experience
50
States served nationwide

How Ring Benefits Works

A simple, transparent process built around your needs — not commission. We educate, you decide.

Step 1

Request Your Free Quote

Share a few details about your household, budget, and coverage goals. There's no obligation and no high-pressure follow-up.

Step 2

We Compare 65+ Carriers

Our licensed advisors shop the private market on your behalf and walk you through the best-fit options in plain English.

Step 3

Enroll & Start Saving

Lock in your plan with confidence. We're here long after enrollment to answer questions and help you use your coverage wisely.

What We Help You With

Comprehensive health and life insurance solutions tailored to your needs and budget.

Private Health Insurance

Non-marketplace plans that can save you thousands annually while still providing comprehensive coverage for doctor visits, hospital stays, prescriptions, and more.

  • Doctor & specialist visits
  • Hospital & emergency care
  • Prescription drug coverage
  • Preventive care & screenings
Explore Health Plans

Life Insurance & IULs

Protect your family and build wealth at the same time. Choose between affordable term life, permanent whole life, and Indexed Universal Life policies.

  • Term Life Insurance
  • Whole Life Insurance
  • Indexed Universal Life (IULs)
  • Tax-free retirement strategies
Explore Life Plans

What Our Clients Say

Real reviews from real clients on Google and Facebook.

★★★★★

We had a wonderful co consultation/training on Retirement Planning/Annuites from Shane Ring! He is extensively knowledgeable, sincere and honest! We will transfer ALL our business to him!

Wallace Moorehand

via Google Reviews

★★★★★

Shane was able to talk me through everything I needed to know about getting a plan set up! He was very responsive and very helpful with getting me set up with my first individual plan...

Abbi Duren

via Google Reviews

★★★★★

I have worked with several agents in TN over the years for various types of policies. Absolutely nobody compares to the precision, intellect, and execution of Shane Ring...

Drew R

via Google Reviews

Frequently Asked Questions

Private (non-marketplace) plans are not bound by ACA pricing rules, which means many healthier households can qualify for significantly lower premiums while keeping the benefits they actually use. We shop 65+ carriers to find the right balance of coverage and cost for you.
Yes. Ring Benefits LLC is a licensed insurance agency that has served American families since 1988.
We work with clients in all 50 states. Plan availability and pricing vary by state, but our advisors will surface every option that fits your situation.
An IUL is a permanent life insurance policy with a cash-value component that grows based on a stock market index, with downside protection. Many clients use IULs as a tax-advantaged way to build wealth and generate retirement income, in addition to providing a death benefit for loved ones.
Quotes are completely free and carry no obligation. We're paid by the insurance carriers when you choose to enroll, so there's no fee to compare options with us.
A licensed Ring Benefits advisor will reach out (by phone, text, or email — your choice) to confirm your needs, walk through plan options, and answer any questions. There's no pressure to enroll on the call.

Ready to See How Much You Could Save?

Get a free, no-obligation quote and find out what private health and life insurance can do for your family's budget.

Get My Free Quote