Health & Life Insurance Services

The Ring Benefits Difference

We don't just sell policies — we shop the entire private market on your behalf and teach you how to use your coverage to its fullest. Here's what every Ring Benefits client gets:

Multi-Carrier Shopping

We compare 65+ private carriers to find the best fit.

Personalized Quotes

Plans matched to your household, budget & goals.

Licensed Nationwide

Service available across all 50 states.

Education First

We teach you to use healthcare smarter.

Service One

Private Health Insurance

Non-marketplace plans built for households that want strong coverage without ACA-level pricing. Our private health plans can save you 40–60% compared to comparable marketplace options.

With access to 65+ carriers, our advisors find a plan that fits how your family actually uses healthcare — without paying for benefits you'll never use.

Get a Health Quote

What's Typically Covered

Doctor & Specialist Visits

Primary care, specialists, and telehealth consultations.

Hospital Stays

Inpatient and outpatient hospital services.

Emergency Care

24/7 emergency room and urgent care coverage.

Prescription Drugs

Coverage for the medications you and your family need.

Lab & X-Ray

Diagnostic testing and medical imaging.

Preventive Care

Annual physicals, screenings, and wellness visits.

Life insurance protection from Ring Benefits

Service Two

Life Insurance Solutions

The right life insurance protects your family today and builds wealth for tomorrow. We help you choose between three core options:

Term Life Insurance

Affordable coverage for a fixed period — ideal for income replacement during working years.

Whole Life Insurance

Permanent coverage with guaranteed cash value growth and lifelong protection.

Indexed Universal Life (IUL)

Permanent life insurance with tax-advantaged, market-linked cash value growth and downside protection.

Get a Life Quote

Wealth Strategy

Retire Tax-Free with IULs

Indexed Universal Life policies combine a permanent death benefit with a powerful cash-value engine that can be used to create a tax-free retirement income stream. They're one of the most underused tools in personal finance — and one of our favorites to walk clients through.

Market-Linked Growth

Cash value tied to a stock index with growth caps.

Downside Protection

A 0% floor protects you from market losses.

Tax-Free Income

Access cash value through policy loans, typically tax-free.

Learn If An IUL Fits You

Results You Can Count On

Why thousands of Americans trust Ring Benefits for their health and life insurance:

40–60%

Average premium savings

65+

Insurance carriers

36+

Years of experience

States served

Got Questions? We Have Answers.

Marketplace (ACA) plans are subject to community rating and standardized benefits, which keeps premiums high for many households. Private plans are individually underwritten, which often results in significantly lower premiums for healthier applicants while still providing strong coverage. We'll show you both sides so you can compare.

Most clients receive initial quote options within 24-48 hours of submitting the form. A quick conversation with a licensed advisor helps us tailor the recommendations to your situation.

Most healthy individuals and families qualify. Private plans use medical underwriting, so your eligibility depends on factors like age and health history. Our advisors will let you know what you qualify for — no obligation.

An IUL combines life insurance with a cash-value account that grows based on a market index — with a floor that protects against market losses. Unlike a 401(k), there are no IRS contribution limits, and unlike a Roth IRA, there are no income restrictions. Cash value can typically be accessed tax-free through policy loans.

Yes. Many of our clients work with us for both health and life coverage. We'll build a coordinated recommendation that protects your family on both fronts.

Health & Life Insurance, Made Simple