• Accidental Death
• Cancer Policies
• Critical Illness
• Disability Income
• Group Health Insurance
• Hospital Confinement Indemnity
For new businesses or Companies seeking guidance (or looking to reinvent themselves); Ritchie-McIntosh is able to act as a 3rd party client of your Company and relay information on your brand (and the message it sends), ensuring internal and external mission/beliefs statements are aligned, looking for areas of improvement and/or confirming areas of strength through various means below.
• Strategy Reviews & How to Scale your Company
• Licensing and Compliance for new startups
• Small Business and Mid-Size Business Coaching
• Contract, Policy, Employee Manual Reviews
• Insurance Policy Reviews
• Claims Handling & Advice
• Cost Management

Life Insurance can be used to protect against short term or long term commercial or personal liabilities and debts, estate planning and asset protection vehicle, assisting your family in any transitions for them financially after death has occurred.
• Term Life
• Whole Life
• One time Premium Life
• Universal Life
• Mortgage Life
• Group Life
• Annuities
• Family Income Benefits

Energy:

• Plugging & abandonment bonds
• Right of way bonds
• Energy Permit bonds
• Performance bonds for Construction as it relates to the Energy Market
• Excise tax bonds
• Miscellaneous Energy bonds
• Hazardous waste removal bonds

Contract bonds:

• Bid Bonds Supply / supply and install bonds
• Performance and payment bonds
• Maintenance bonds
• Litigation bonds

License and permit bonds:

• Customs bonds
• Road use bonds
• Tax Permit Bonds
• Reclamation / closure
• Plugging and abandonment bonds
• Mortgage broker bonds

Court bonds:

• Appeal bonds
• Trustee bonds
• Fiduciary/Litigation bonds
• Attachment / injunction bonds
• Replevin bonds
• Counter Replevin bonds
• Mechanics Lien bonds

Miscellaneous bonds:

• Customs bonds
• Lost instrument bonds
• Financial guaranty bonds
• Self–insured workers compensation guaranty bonds
• Wage and welfare/fringe benefit (Union) bonds
• Auto Dealer Bonds
• Freight Broker Bonds

Health Insurance is now a mandatory individual mandate and has caused more confusion than ever! But with Ritchie-McIntosh Health Benefit Advisors, the process is made simple. It is no longer necessary to go through the trials and pains of Healthcare.gov. RitchieMac has Cloud based software that can enroll you into a Health Insurance Plan of your choice in a matter of minutes. We show you how you can possible enroll outside of open enrollment if you’ve missed it to avoid a severe tax penalty. Since we are Health Insurance Brokers we do not represent a specific Insurance Carrier. We build Health Insurance Plans that are mutually affordable and accepted by your Health Care facility/Primary Care Physician of choice! Our Advisors are well equipped to inform you of all the Benefits that Affordable Care Health Insurance Plans bring, and are available at a moments notice to answer any questions you may have.

• Medicare Advantage (ZERO PREMIUM POLICIES AVAILABLE)
• Medicare Supplements
• Medicare Part-D advisement
• Enrollment into Dental Plans at same time as Health Insurance Enrollment
• Individual Affordable Care Compliant Health Insurance Plans from most if not all Insurance Companies
• Free Advice and Seminars on how to benefit from Tax Credits to assist in paying your Health Insurance Premiums

To get a FREE QUOTE (with premium assistance) & self enroll into an Affordable Care Health Insurance Plan click on link: ENROLL NOW

• WE ASSIST HEALTHCARE FACILITIES AND PRIMARY CARE DOCTORS WHO HAVE PATIENTS WITHOUT HEALTH INSURANCE OR NEED A HEALTH INSURANCE PLAN THAT IS ACCEPTED BY THE FACILITY/DOCTOR’S OFFICE


Anything not categorized above such as: All Forms of Liability Coverage, or Miscellaneous/Specialty Products that are specific to your industry or need to have custom underwriting!
• General Liability
• SR-22
• Medical Malpractice Liability
• Errors & Omissions Insurance for Life, Health, Property, and Casualty