Life & Health Insurance

At The Russell Agency, we understand the importance of comprehensive life and health coverage and the impact it can have on a family's or company's well-being in the face of adversity. For this reason, we formed a specialized division dedicated to helping assess your particular needs against the multitude of life, health, disability and long-term care products available. Matching your needs with the right company and service offerings means the right coverage for your family or for your business.

Life Insurance
Insurance decisions you make today can affect the outcome of plans you’ve made for the future. The Russell Agency has solutions that help deal with the unexpected or plan for the transfer of assets.

For You and Your Family
In the event of a pre-mature death, would your family be able to carry on according to these plans? Individual Life Insurance provides an immediate influx of tax-free cash income to a family in their time of need and crisis. It also provides for the transfer of wealth and assets from one generation to the next on a tax-favorable basis. Life Insurance can also be used effectively as an Estate Planning technique to provide liquidity income tax-free to heirs upon the second parent's death to pay the estate taxes.

For Your Business
Life Insurance used in business can fund buy-sell agreements between partners, insure a key-employee and provide a deferred compensation plan for top executives.

Health Insurance
Whether it's individual coverage for your family or coverage for your employees, The Russell Agency has solutions for you.

For You and Your Family
Many people don't find out that they need more health insurance coverage, until they actually need it. Then it's too late. Our trained professionals call upon years of experience to help determine the right coverage for you and your family and make sure what you need is there when you need it.

For Your Business
The Russell Agency also has extensive experience with group health benefits (medical, dental) to help you find the most comprehensive yet affordable coverage for your employees.