Since its founding in 1911, R.K. Tongue has worked tirelessly to meet the insurance needs of individuals, regardless of affiliation with an employer or association. Today, that commitment remains unchanged. We offer many varieties of insurance from multiple insurance companies and provide objective advice to help you achieve your individual objectives.
Pays a monthly benefit designed to partially or completely replace your income if you are unable to work. Considering that your largest asset is your ability to earn an income, a sickness or injury could eliminate or limit your ability to work and destroy your ability to meet your financial obligations and goals. Disability insurance payments are typically triggered by an insured individual’s inability to work due to sickness or injury. The best policies strengthen the definition of inability to work down to one’s own occupation and even specialty.
Operating as an independent broker for disability insurance, we shop the market and bring only the best options to you. We specialize in true own-occupation, own-specialty policies and have the experience and ability to custom tailor a solution to meet your needs.
Term Life – Protects your family and assets in the event of your death. Term life insurance is designed to remain level in premium and benefit for a fixed period of time, typically ranging from 10 to 30 years, with terms of duration available at intervals between those increments. This form of life insurance is ideal for the early financial stages of life when debt tends to be high, families tend to be young, and an untimely death is likely to be most devastating to a family’s financial wellbeing.
Whole Life – Capable of protecting your family and assets for the duration of your life using a combination of pure life insurance coupled with the accumulation of cash value and fixed interest on a tax-deferred basis. Permanent life insurance such as whole life is ideally suited for estate and final expense planning.
Universal Life – Another form of permanent life insurance capable of protecting your family and assets for the duration of your life. Universal life uses a combination of pure life insurance coupled with the accumulation of cash value and variable interest on a tax-deferred basis. Most modern universal life policies allow the holder to benefit from increased interest earnings during high interest rate environments while retaining the guarantee of an interest rate “floor” during low interest rate environments. Like whole life, universal life is ideally suited for estate and final expense planning.
Pays benefits as a result of an insured individual’s inability to perform activities of daily living, i.e. bathing, eating, dressing, toileting, continence, transferring. Long Term Care insurance also responds in the case of cognitive impairment.
The cost of assistance from a skilled nursing care provider can easily cost hundreds of dollars per day. Should one choose to receive care in a skilled nursing facility, those costs can soar even higher. Long term care insurance is designed to fund the type of non-acute care that so many individuals will need during their lifetime. It also allows individuals the freedom to obtain the long term care that they need, on their own terms, without rapidly depleting their assets or forcing dependence on others.
Insurance to pay for the increasingly high costs of healthcare.
We have access to and offer the full spectrum of medical insurance options from all of the major insurers. We offer plans on either individual or group platforms.
Certain products, such as life, short-term disability, accident, and cancer plans can be offered to your employees through payroll deduction at no cost to you. With offerings from Aflac and Texas Life, among others, your employees will thank you for the attractive rates and easy payment method on insurance products that they want and need. Since there are no participation requirements or employer expense involved, it’s easy to provide your employees with yet another benefit of working for your firm.