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Managing Risk Does Not Have To Be A Chore

Risk management is the identification, assessment, and prioritization of risks relevant in your personal or business life.

Financial planning is not complete without a discussion of, and action plan for, risk management.

Rukosky & Wapner is also able to implement the risk management portion of your plan.

By providing a wide range of options and the right information

so you can make an educated decision regarding solutions to your risk management needs.


Risk Management Is Important

Risk is a factor of life and we have to be able to plan for the factors of risk when they arise.

A large unforeseen event that causes one of us to lose a loved one or a key person in our lives can be detrimental.

Managing risk helps to lessen potential financial losses and unforeseen circumstances to ensure that your life

can remain unaffected for you, your children, and your business associates.


We Can Implement These Types Of Insurance

Disability Insurance

Key Man Business Insurance

Life Insurance (term and permanent)

Final Expense Insurance

Health Insurance

Long-Term Care Insurance

Our Criteria Centers Around

The highest industry financial ratings

Outstanding customer service

The lowest rates


We Find You The Best Fit And Most Reasonably Price Coverage

53 Other Life, Health, and Annuity Companies Available: To Get The Lowest Price Every Time

(All of these ratings are brought to you by A.M. Best)


North American Life Insurance CompanyA.M. Best Rating: A+

Founded in 1886, North American has stood strong to help protect those who count on us for financial security. Through two world wars, the Great Depression, and multiple recessions, North American’s private ownership and focus on the long term has instilled trust and confidence.

Assisting you with your life and annuity needs. A.M. Best Rating: A+

Building on more than 100 years of expertise and sound risk management, Lincoln Financial today has a strong financial foundation with ample capital and liquidity to cushion the company from further disruptions.

Voya Financial A.M. Best Rating: A

Voya Financial, Inc. (NYSE: VOYA), is composed of premier retirement, investment and insurance companies serving the financial needs of approximately 13 million individual and institutional customer.

Genworth Financial GroupA.M. Best Rating: A-

Today, even in this challenging environment, Genworth is strategically focused and positioned to provide the stability, confidence and support our policyholders, customers and distributors can rely on.


Humana has received several awards for our products, services, and business practices. Many of these awards recognize our commitment to providing decisions with confidence.

Cigna Health Insurance

For more than 200 years, Cigna and its predecessor companies have been in the insurance field. In 1792, a group of Philadelphia citizens formed the Insurance Company of North America (INA), the first marine insurance company in the United States. In 1865, the Governor of Connecticut signed a special law creating Connecticut General Life Insurance Company (CG).

Aetna Health Insurance

 As a health care leader, we believe that our corporate responsibility starts with helping people live healthier lives. Founded in 1853 in Hartford, CT, Aetna is committed to providing individuals with innovative benefits, products and services.


Get Your Financial Life Back

Schedule A Consultation

(rates based on health and other screening requirements)