Refundable Insurance Experts

You may develop a heart condition, or find out you have cancer, or be in a wreck that requires hospitalization, or fall off a ladder working on your house. All of these impact your life. We're here to make sure that while you're getting healthy, your finances stay healthy.
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Medical bills are the leading cause of bankruptcy in America

63% of all bankruptcies are medically-related
75% of people who filed medical bankruptcy had health insurance
71% of total costs from injuries are indirect
70% of Americans have less than $1000 in savings

Indirect Medical Costs

Most people don't realize their largest expenses during illnesses are not their medical costs, but the indirect costs that your medical insurance will not cover.

What are those indirect costs?

  • Low income and savings
  • Living expenses
  • Insurance limitations
  • Travel to get the best treatment possible
  • In-home care
  • Child care

Covering the Financial Gap

We offer affordable supplemental plans that cover the financial gap left by traditional insurance. Our policies provide coverage for all the indirect costs of injury, sickness and medical care. A powerful layer of financial protection for you, your family and your employees in the event of a serious accident or illness.

Do you have a savings account to pay your deductibles? How about enough to also pay your other bills once your out-of-pocket limits are reached? If you are like most Americans and don't, we have an affordable option that provides critical financial protection when you need it most.

Best of all, our policies are refundable. If you do not need the coverage, or are fortunate enough to not have a claim we'll pay your premiums back to you.

RIE offers Supplemental Insurance, sometimes referred to as Gap Insurance. This is because our coverage fills the financial gap not covered by traditional health, medical and injury policies.
Indirect costs of injuries and hospitalization typically represent 70-80% of total costs, yet only the direct costs are normally covered by your health insurance. Unless you have a large savings account to cover these expenses, you will be exposed when you need help the most.
Customers say our coverage is surprisingly affordable, with policies starting at less than $40 per month. We offer different levels of coverage based upon your financial need.


What is Refundable Insurance?

Wouldn't it be nice if you could get your premium money back, instead of just thinking you're wasting your money? The products we offer do exactly that.
  • Return of Premium

    Depending on the state you live in, you will get your premium money back, minus any claims. No fine print, period.

  • Refund of Funds

    Use it whichever way you want. It’s yours, tax free (consult an accountant if you’re a business).

  • 100% Paid Back to You

    In some states, rather than receiving your money back, the policies contain a Cash Value Benefit.

Surprisingly Affordable Insurance

Most people are pleasantly surprised by how affordable our insurance is. Get a fast quote for you, your family, or your business.
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