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We work with individuals & businesses to secure the best life insurance rates. We have access to the top rated life insurance companies and find the lowest rates for you. We have the experience to find you the right carrier and policy for your specific situation. Get a free quote and request an application online or call us for advice & questions.

  • Compare rates & benefits from the top life insurance providers with No Obligation to Buy.
  • Compare rates in Under 60 Seconds!


Contact us today for a no obligation financial or Insurance review

163 Madison Avenue, Morristown, NJ 07960   (973)-285-1040


  • Calculate coverage amount (Optional)
    (Use our calculator below or we can help)
  • Compare plans from top rated providers instantly
  • Find the cheapest life insurance rates available
  • Request an application online or Call Us.
  • We'll explain the process & answer any questions
    (We'll confirm you have the best carrier & rates
    for your specific situation)
  • We'll begin the online application process

    Personalized, independent, comprehensive Advice
    We're here to help; Call us at (973)-285-1040

We'll help you understand the different types of policies, find affordable plans and attain the right life insurance coverage to protect your family or business

Insurance coverage for individuals, families, businesses & professionals

Click here for a list of all types of life insurance policies we provide

Why work with us?

  • Experience to find the right carrier and policy for your specific situation
  • Independent Agent - means dozens of top rated insurers to choose from
  • We find you the lowest rates available
  • Privacy - We won't ask you to answer personal medical questions online to get a quote
  • We'll make sure you understand the various benefits available by different carriers
  • Personalized, honest, comprehensive advice from a local agent at no additional cost to you
  • Apply in minutes, we'll handle the details and paperwork for you

    We're here to answer all your questions - Call us at (973)2851040

Our Carriers
Choose from top rated carriers:

  • Prudential
  • North American
  • Protective
  • Mutual of Omaha
  • Principal
  • Banner
  • Pacific Life
  • SBLI
  • Metlife
  • AIG
  • John Hancock
  • Lincoln Financial
  • Mass Mutual
  • Nationwide
  • and many more..

Health Issues? We can help

We want to learn more about your personal situation, identify your health or other underwriting issues as well as your objectives. Then, we'll go to work and do our best to find the right carrier and policy to meet your specific situation. We have the experience of working with dozens of carriers with differing underwriting guidelines dependent on the medical issue. Some carriers can be more negotiable then others depending on circumstances, degree of condition, diagnosis, length of time under control since initial diagnosis, etc. Some carriers provide credits for good health aspects against your negative underwriting issues enabling them to offer a better rating. Each circumstance is unique.    

  • Cardiovascular disease
  • Weight issues
  • Cancer
  • Parent death prior to age 60 due to cardiovascular disease or cancer
  • Diabetes
  • Cholesterol
  • Blood pressure
  • Smoker/ cigarette, cigar, other
  • Sleep apnea
  • Other pre-existing conditions
  • Declined coverage

We'll help determine which carrier will provide you the best chance for coverage for the best rating and price.

Call or email us to discuss your insurance concerns or to get a quote. We look forward to working with you...973-285-1040

Term Life with Living Benefits

Finally! Term Life Insurance you don't have to die to use

While most insurance carriers have provided living benefits for terminal illness for a long time, now, for no additional cost, a handful of carriers provide the extra benefit of allowing the insured to dip into the policy death benefit for chronic, critical and terminal illness. The amount of cash available is dependent on a number of factors including type of illness, mortality rate, death benefit and other factors and is determined by the life insurance company at time of need by the insured.

Chronic illness: Unable to perform on your own two of the six activities of daily living such as bathing, dressing, eating, continence,  toileting, transferring or due to cognitive impairment.

Critical illness: cancer, heart attack, stroke, blindness due to diabetes, kidney failure or major organ transplant, and more…

Terminal illness: You are diagnosed with an illness typically resulting in life expectancy of less than 6 or 12 months. This benefit payment can be used for experimental medicine, prepare for final expenses or any other purpose you feel necessary.

We'll help determine which carrier will provide you the best coverage plan and if term with living benefits makes sense for you.
Call or email us to discuss your insurance concerns or to get a quote. We look forward to working with you...973-285-1040

Insurance Need Calculator

An annual review of your insurance policies is a smart thing to do

Is your insurance coverage up to date? Have their been changes in your life like: Marriage, births, children, family death, college planning, critical illness, new business, new job, etc.

Review your current policies
Assess your goals and objectives
Help ensure your family or business is on track 

contact us today for a no obligation financial or Insurance review


Term vs Permanent coverage
Factors to consider



Potential Cash Value

Loan ability

Sometimes a combination is the best answer...

In deciding on term or permanent coverage you would consider the length of time you would like to be covered, health, age, expected future financial dependents and whether an investment component in your policy is right for you. Unlike a term policy, which offers a level rate and coverage based on a set term or number of years, a Permanent Policy does not expire. Generally, Universal Life, Index Universal Life and Whole Life, the most common types of permanent insurance, in addition to the tax free death benefit to beneficiaries, also provides a potential buildup of cash value, or an investment component that can be borrowed against on a tax free basis that does not have to be paid back as long as the policy does not lapse or can be cashed-out if you wish to terminate the policy. Generally speaking, permanent policies act as investments and can grow in value whereas term policies do not. For the added benefits, cash value potential and permanent coverage you will pay a higher premium, but may well be worth the cost if the potential of supplemental tax free income is part of the game plan. Learn more about life insurance types by checking the information above and the other website area's. 

Al Ragovin, CFP®

We have the experience and knowledge to find you the right carrier & policy for your family or business; Ask Me Anything

RFS Financial & Insurance Solutions

We help people find the best life insurance policies for their specific needs. We have relationships with dozens of insurance companies allowing us the ability to shop the market for the most suitable coverage with the best rates. We pride ourselves on delivering the highest level of professional service possible while helping people identify and attain their insurance and financial goals. 

We can help you with many types of life insurance planning including...term life, permanent cash value, final expense, no exam, life insurance with living benefits( for chronic, critical or terminal illness), high risk(hard to insure), life insurance for business and estate planning, whole life, universal life, and group coverage

Let's Discuss A Strategy To Help Protect & Preserve Your Family's Financial Future
Call or email us for a quote or to discuss your insurance needs. We look forward to working with you...973-285-1040

A Look at Whole Life Insurance

A Look at Whole Life Insurance

Whole life insurance remains in force as long as you remain current with premiums. Here's how it works.
Assess Life Insurance Needs

Assess Life Insurance Needs

How to help determine life insurance needs to provide for your family after you pass away.
Protecting Your Business from the Loss of a Key Person

Protecting Your Business from the Loss of a Key Person

Business owners may be able to protect themselves from the financial consequences of losing a key employee.


Morristown Office

163 Madison Avenue Suite 220
Morristown, NJ 07960

Phone: 973-285-1040
Mobile: 862-219-8510

Mon-Fri: 8:00 AM - 8:00 PM
Sat: 9:00 AM - 4:00 PM
Sun: By Appointment

How can we help? Request a Quote or Policy Review. Email or Call 973-285-1040

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