Designed with You in Mind
At RFI, we truly believe that securing your family's future is vital. Every American should consider how insurance can shield loved ones from financial burdens.
Did you know that nearly 70% of Americans leave their families with debt due to a lack of proper health and life insurance coverage? You can take proactive steps today to ensure that your family isn’t left struggling with bills and funeral costs when you’re no longer around. Contact us and let’s talk about the solutions that will give you and your family peace of mind.
YOUNG ADULTS & GRADS
Why Insurance Isn't Just For Your Parents
When you're young, healthy, and just starting out, insurance is usually the last thing on your mind. But accidents, illnesses, or unexpected hospital visits don’t care how old you are—or how tight your budget is. Most entry-level jobs come with bare-bones health plans (if any), leaving you exposed to big out-of-pocket costs. A broken leg or sudden ER visit could wipe out your savings—or worse, start your adult life with debt. Supplemental plans like accident, hospital indemnity, or critical illness coverage help cover those gaps and pay you directly, not the doctor. That means cash you can use for rent, groceries, or loan payments while you're recovering. It’s about protecting your independence and your future, even when you think you’ll “bounce back.” You don’t need to wait until you’re older or have a family. You need a plan that works for your life stage, right now.
PARENTS & FAMILIES
How Supplemental Can Protect Your Kids' Future
Raising a family means always expecting the unexpected—bumps, breaks, bugs, and big hospital bills. Even with health insurance, the hidden costs of a child’s NICU stay, an unexpected surgery, or a parent's illness can quickly derail your finances. That’s where supplemental plans come in. From accident coverage for active kids to ICU and critical illness plans that protect your household income, these policies help you stay financially steady when life gets messy. They pay out cash directly to you—not to a hospital or provider—so you can keep food on the table and the lights on while managing care. Parents often focus on protecting their kids physically, but forget that financial protection is just as vital. One serious health event shouldn’t mean putting your mortgage, savings, or career at risk. With the right plan, you can face the unexpected with confidence—not chaos.
OLDER ADULTS & RETIREES
Covering Gaps Medicare Leaves Behind
Retirement is supposed to be a time of peace—but healthcare costs can bring unwelcome surprises. Medicare helps, but it doesn’t cover everything. Gaps in coverage for hospital stays, rehabilitation, critical illness treatments, and long-term care can leave you on the hook for thousands. Supplemental insurance helps fill those holes, providing financial support exactly when and where you need it most. Whether it’s an ICU plan that covers a sudden hospital admission, or cancer insurance that pays out during treatment, these policies protect your savings and peace of mind. You’ve spent decades planning for retirement—don’t let one health event unravel everything. Supplemental coverage gives you more control, more options, and more security in the moments that matter. Because freedom in retirement isn’t just about time—it's about stability.
SELF-EMPLOYED & 1099s
Protecting Your Income When You Have No Benefits
Being your own boss has perks—but health benefits usually aren’t one of them. If you’re a contractor, freelancer, or small business owner, one injury or illness could mean lost income, unpaid bills, and financial stress. Major medical plans help with some costs—but they don’t cover everything. That’s where supplemental coverage can be a game-changer. Policies like accident, hospital indemnity, and critical illness pay you directly when something happens—so you can cover bills, take time off, and get the care you need without wrecking your business or your bank account. Think of it like financial armor for your hustle. You protect your business every day—why not protect your ability to keep working? With the right plan, you’re not just self-employed—you’re self-secured.
Benefits Plans & Coverage Options
Cancer Treatment
A cancer diagnosis can be overwhelming, both emotionally and financially. Our comprehensive Cancer Diagnosis & Treatment Plan offers immediate financial assistance to cover costs such as chemotherapy, radiation, specialized medications, and supportive therapies. This plan ensures you have access to cutting-edge treatments and can manage daily living expenses during your recovery. With our support, you can concentrate on your health without the added worry of mounting medical bills.
Hospitalizations
Unexpected hospital admissions can lead to significant out-of-pocket expenses not covered by standard health insurance. Our Hospital Indemnity Plan provides financial coverage for costs such as hospital room and board, specialist consultations, surgical procedures, and post-hospitalization care. This plan is designed to alleviate the financial strain of hospital stays, allowing you to focus entirely on your recovery and well-being.
Accidents
Life is unpredictable, and accidents can happen when least expected. Our accident plans offer financial protection for a range of unforeseen incidents, covering expenses such as emergency room visits, diagnostic tests, surgical procedures, and rehabilitation services. This plan ensures that you and your family are safeguarded against the financial impact of accidents, allowing you to recover without the added stress of unexpected medical bills.
Heart Attacks & Strokes
Cardiovascular events such as heart attacks and strokes require immediate and often prolonged medical attention, leading to substantial expenses. Our Heart Attack & Stroke Insurance Plan provides lump-sum benefits upon diagnosis, assisting with costs like hospital stays, specialized treatments, rehabilitation, and even travel expenses for medical care. This plan also offers income replacement options to support your household during recovery, ensuring that your financial obligations are met while you focus on regaining your health.
NICU, PICU, and ICU Stays
Extended stays in Intensive Care Units (ICU), including Neonatal (NICU) and Pediatric (PICU), can result in overwhelming medical expenses. Our ICU Coverage Plan is designed to alleviate the financial burden associated with critical care, covering costs such as specialized medical staff, advanced life-support equipment, and prolonged hospitalization. This plan ensures that you can access the highest level of care without the added stress of unmanageable expenses, allowing you and your family to focus on recovery.
Death Benefits & Final Expenses
Planning for the unexpected is a crucial step in securing your family's future. Our Death Benefits & Final Expenses Plan provides your loved ones with financial support to cover end-of-life costs, including funeral services, outstanding debts, mortgage payments, and education expenses. This affordable term life policy offers peace of mind, ensuring that your family is not burdened with financial hardships during an already challenging time. By investing in this plan, you are taking a proactive step to protect those you care about most.