Ritch Insurance Services is a Sonoma County based insurance brokerage serving California since 1984. With years of experience and access to a large database of insurance providers, Ritch Insurance is dedicated to helping individuals and businesses in finding optimal insurance coverage. We have helped thousands of individuals gain peace of mind, ensuring their loved ones aren't burdened because of an unplanned illness, disability, or death.
We invite you to explore our website, learn more about our insurance coverages and how you can benefit from working with Ritch Insurance Services. Health Insurance - will pay your medical bills. Disability Insurance - will replace income that's lost due to an ailment or injury. Long-Term Care - will pay bills not covered by your health insurance.
We invite you to explore our website, learn more about our insurance coverages and how you can benefit from working with Ritch Insurance Services. Health Insurance - will pay your medical bills. Disability Insurance - will replace income that's lost due to an ailment or injury. Long-Term Care - will pay bills not covered by your health insurance.
Services
Ritch Insurance was started in 1984 by Ed Ritch. A native Californian, Ed traveled an unusual route to become one of the country's leading insurance brokers. Following graduation with a Bachelors of Arts in Social Welfare at California State University, Chico, he applied his educational background as a social worker in a residential treatment home for emotionally disturbed children.
Although there are two primary forms of life insurance, Term and Whole Life, the variations of coverage under each category is fairly extensive. The most popular types are detailed below. At its basic level, life insurance protects the insured's family in the event of the policy holder's death, paying out to the designated benefactor.
It's estimated that 30 percent of Americans entering the work force today will become disabled before they retire. The primary causes of long-term absences are back and neck injuries, heart disease, cancer and other illnesses. And in recent years, stress and anxiety has become a growing cause. 38% of working Americans report that they couldn't pay their bills for three months if they lost employment income.
A recent survey indicated that 90% of Americans do not have a practical plan to pay for long-term care. Almost half mistakenly believe that health insurance or a government program, for example Medicare, will pay the long-term care costs. About one-quarter of the respondents said they were relying on family or friends.
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