Call for a quote (310) 424-2784

Protecting your interests and your loved ones
Life Insurance

Life insurance isn’t just limited to term and universal. There are other creative ways to use life insurance to protect your business, your estate, and retirement. Whether you are a new parent, estate planning, funding a trust, or a business owner who wants to insure continuity of ownership, we have options to secure your best interests. There are also ways to provide life insurance as a tax-advantaged benefit to your partners and employees.

We regularly review your existing policy to reassure you that you are getting the maximum benefit for your premium. You will be confident in understanding the benefits, and will be able to make the best decision based on your needs and budget. Most of all, you will feel your interests and loved ones will be well protected in the event of loss.

CASE STUDY: Don’t Wait Until It’s Too Late
I encouraged a client of mine to get a simple life insurance plan to protect their new baby in the untimely event of something happening to either of the parents. Though she agreed, she delayed her enrollment due to her busy schedule. Suddenly, her husband was diagnosed with a life threatening illness, making them re-evaluate and plan for the future. Fortunately, because of good medicine, he made a complete recovery and she ended up getting life insurance. A close call!

Our Service Pledge:

We promise to take a consultative approach to finding you the best insurance solutions for you or your business. We will:

  1. Review your current coverage and research insurance plans that meet your goals, needs and budget.
  2. Present plans in easy to understand terms and make recommendations.
  3. Thoroughly explain the plan features and their potential impact.
  4. Work side by side with you to complete the application process.
  5. Provide continuous follow up support to answer questions about coverage, doctors, membership cards, etc.
  6. Monitor your plan to make sure you are still getting the best deal and coverage.
  7. Review your plan annually to ensure your continued satisfaction.
A woman with curly hair and glasses smiles as a Cavalier King Charles Spaniel wearing a colorful scarf touches her face, embodying the joy you'd expect when chatting with an insurance advisor.
Helena Ruffin, Company President

To say we were confused by the Affordable Care Act would be an
understatement. In fact, our very own insurance company was so confused that
we found ourselves inexplicably uninsured and coverage-less for the first
time in our lives, despite requesting one of the highest tiers of coverage
available. Confused, uninsured and pregnant with our first child we found
solace in a knowledgeable, caring and professional team of advocates with
the Ruffin Insurance team of Helena and Lindsay.

John Petrick, Perennial Financial Services

Helena Ruffin and George the Cavalier King Charles SpanielHelena Ruffin, Company PresidentGeorge Ruffin, Company CDO (Chief Dog Officer)