Life Insurance

Everyone with dependents would agree that having a life insurance policy is a wise decision, but at the same time, many of us put off actually getting one. In our day-to-day lives, most of us are prioritizing our family’s welfare in the short term by putting food on the table and making payments on our mortgage, vehicles and student loans. However, taking out a life insurance policy is an important step toward ensuring your family’s financial stability in the long run, and RNI will be there to guide you through every step of the process.

Types of Life Insurance Policies

At RNI, our agents will take the time to learn about you, your family and your financial situation, and will discuss which policies and options would work best for you. It does help, though, to have an overview of the two broad types of life insurance policies that are available:

  • Term Life: Term life insurance policies have a few advantages. One is that the premiums are lower than whole life insurance policies. Another is that your family has the option to be paid in a lump sum, so they will have the money they need immediately. Term life policies are active for a set number of years, usually 10, 20 or 30, and are the most common for families that want protection from suffering financially if a breadwinner passes away.
  • Whole Life: There are two main differences between a whole life policy and a term policy: a whole life policy provides you with lifetime coverage, and can act as an investment, earning equity and interest over time.

Life insurance can be a complicated subject. The explanations above don’t address every option available, but with RNI on your side, you’ll have an advocate that will make the process simple and easy for you.

Complete the brief form you see to the right, and someone will contact you within 24 hours to walk you through what life insurance policy would work best for you and your family. We pride ourselves on integrity and offering each of our clients personalized service. Once you’re an RNI client, we promise to use our knowledge and expertise to advise you the same way we would a loved one. Let’s get started!

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You’ve worked hard to build a great life for yourself and those you love. Let us help you protect what’s most important.


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It isn’t easy running a successful business. We’ll give you the tools you need to protect what you’ve worked tirelessly to build.


Dear Mr. Nelson, Wow! What a pleasure to meet you! You really surprised us by coming to our little company. It is such a welcoming feeling to know the ladies we usually deal with have such a gentleman to work for. We enjoyed having full circle of help for our company. Although we may be small, hopefully we will grow. We really enjoyed Cathy and her information. Please stop by anytime. Thank you for lunch too. Many thanks, Cecila


I’ve got nothing but good things to say about Raymond Nelson Insurance Agency Inc., my Agent, Linda Wood and the team at RNI. I had lost all faith in insurance companies until that disaster with a former agency. Linda Wood at RNI stepped in and picked me up when I was down and restored my faith in Insurance Agents. There are some really great people out there who truly do appreciate my Business.

Billy Fannin

The last thing you want to have to worry about after a catastrophic event is the timeliness of your insurance company to put things back to normal in your life.

In June of 2019, our family, by the grace of God, survived a horrific tornado, however our home, car, workshop and personal belongings did not. After the initial shock, we immediately called to report our claim. We are insured with Raymond Nelson Insurance and Safeco and within minutes of us filing the claim, we were contacted by an adjuster. One adjuster drove from Louisville and the other from Cincinnati the next morning to sit down and discuss the next steps of getting our lives back in order.

They made us feel like a part of their family. On a scale of to 10 we will definitely give them a 10.5! We never had to question them about anything and trusted them 100%. We are recommending Raymond Nelson Insurance to our friends and family!

Alicia & Bryant Bond

Thanks for all of your work on our insurance! Have an awesome day!

Kristi and Larry / CHT, LLC