Contact: (217) 355 9075 - Address: 702 Bloomington Road. Suite 205. Champaign, IL 61822 - Email:

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Recent Client Case Study #292

Former Insurance Company: State Farm

Time Insured: 30 Years

New Insurance Company: Travelers


State Farm Loyalty Tax


David received his latest renewal from State Farm and he saw another rate increase! Granted it was a small one (only $13), but he had noticed that every time his policy renewed his price went up so he called his local agent. The agent was no help at all to David and told him, that’s the way it was and there wasn’t anything he could do and that David would have to live with it.

That’s when David decided enough was enough and gave us a call to set up an appointment to go over his insurance options. We met with David, reviewed his policies and insurance goals and then got to work. We quoted David’s policies with 11 different options in order to find him the best value for his insurance dollar. Our system requires these 11 companies to compete for David’s business and the results show that. Of the 11 options presented 10 of them offered David a lower rate for similar coverage, with the lowest priced option saving David & Cathy 33%! While adding MORE coverage!

Loyalty to an insurance company is a One Way street and one of the most costly financial mistakes you can make each year.

Keep your insurance company honest and contact an Independent Agent/Broker like Rueck Insurance today (217.355.9075) and stop paying a loyalty tax to your insurance company.



case 292


Have premiums for your medigap policy been increasing over the past few years? Here's how to lower the cost.


If you like the coverage offered by your current policy, it's smart to shop your letter plan with competing carriers. Under federal law, insurers who provide medigap coverage -- which helps pay out-of-pocket costs for Medicare services, including Part A and Part B -- may sell only standardized policies identified by letters A through N in most states. Each policy identified by the same lettermust offer the same benefits. Usually, the only difference between same-letter policies is cost -- and the price range can be surprisingly large. For example, a 65 year old male in Champaign, Illinois can be charged anywhere from $126 to $248/month for the same popular Plan F.


Also, consider a Plan G.

Plans F and G are the two most popular medigap plans, because they offer the most complete coverage, providing seniors with as little out of medical pocket costs as possible. Plan G covers everything that Plan F does (including the Medicare excess charges and the foreign travel benefit). The ONLY difference is that Plan G does not cover the Medicare Part B deductible ($147/year in 2015). However, the average premium for Plan G is usually at least $300 less per year than a Plan F - so you have an extra $153/year left in your pocket! Because of this, Plan G is usually the best value plan for your money.

Saving money is a great start, but there are other reasons why Plan G is usually a better plan choice long term. As a licensed agent, I am happy to provide you a cost free rate analysis, and show you the potential savings that switching to a Plan G can offer!

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If you live in Champaign Urbana, or anywhere in Illinois for that matter, and want to know how to find the best rates on Term Life Insurance, you’ve come to the right place.

Many people don’t fully realize the importance of having their own individual life insurance policy. Just because you may have a policy through your employer, you should still buy an individual life insurance policy on your own. The reason is simple – to preserve your insurability.

If you have a policy through your work, that policy will disappear if you should leave your job, whether voluntarily or involuntarily.

If you rely solely on your work policy, and then end up coming down with a disease like diabetes, cancer, or have a heart attack or stroke, you will not be eligible to purchase a policy on your own. If you end up losing your job for some reason, then you will be without any life insurance to protect your loved ones, and will not be able to purchase life insurance at any price.

The key is to buy an individual policy while you still can, thus getting the lowest rate while you’re young and healthy.

Another key to finding the lowest rate on Illinois Life Insurance is to utilize the services of an independent agent. Some agencies only offer products from one provider, so it’s a take it or leave it proposition. At Rueck Insurance, we have access to over 20 top-rated companies, and will shop the market to find you the best combination of price and coverage.

Since we work with so many companies, we know which ones are more lenient for different type of health conditions. One company may be better fit for you than others, depending on their underwriting guidelines and your specific situation. Some companies are strict with height/weight ratios, blood pressure, cholesterol, etc. while others are more flexible. Knowing these differences is crucial to finding you the best rate.

There are different opinions as to which type of policy is better — permanent insurance such as whole life or universal life versus term life insurance. Really though, the answer is not necessarily which is better, but rather which policy will best accomplish your goal for the life insurance policy.

Life insurance, whether term or permanent, is simply a tool in your tool box for you to use for a specific purpose.
Term life policies are the least expensive and afford you the largest death benefit to be paid to your beneficiaries. In addition, most term policies allow you to convert to a permanent policy within a certain time period.

Permanent policies are more expensive typically, and usually have a lower death benefit, but will accrue cash value over time. You can draw on the cash value in the form of a policy loan if you decide to use the money while you’re still alive, which can be a good option because there is zero interest on the loan since you’re borrowing from yourself.

We perform a thorough needs analysis of your situation to determine what type of policy will help you accomplish your goals. Our strongpoint is asking the right questions, and then listening carefully to your answers. Once we know what your goals are, then we can custom tailor a plan for you and present you with options.

You’re the one in charge of your decisions — we’re simply here to help you figure out the best choices that will allow you to accomplish your goals for your family’s security.
Please let us know when you’d like to schedule a consultation.

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About Us

Rueck Insurance is your independent, one-stop insurance center for all your personal and business insurance needs in Illinois. Insurance shopping is easy when the Protection Team provides you with multiple quotes to choose from. You will always know you are getting the best coverage at the lowest possible price.

Contact Info

Rueck Insurance is your independent, one-stop insurance center for all your personal and business insurance needs in Illinois.

702 Bloomington Rd#205
    Champaign, Illnois
(217) 355-9075

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