Frequently Asked Questions

How long has The RJL Group, Ltd been doing business?

Since 1989

How large, or how many clients does The RJL Group, Ltd. handle?

We currently service over 1,500 clients nationwide

Is The RJL Group, Ltd. licensed in my state?

We are licensed to sell insurance in all 50 states

How much insurance do I need?

At no charge to you, The RJL Group, Ltd. can help you analyze your needs and recommend an appropriate amount of insurance to meet your and your family’s needs.

How does The RJL Group, Ltd. save a client money?

By continually monitoring and comparing rates through our multiple software programs.

Is there a maximum amount of insurance I can carry?

Yes, for life insurance, approximately 10-20 times your income depending on your age. For disability insurance, generally $35,000 per month while integrating your existing individual and/or group coverage.

Can I get life or disability insurance if I am not in perfect health?

Yes, we work with several sub-standard carriers to get our clients the best rates.

Is there a maximum age to obtaining insurance?

All ages are eligible, but generally up to 65 for disability insurance and 85 for life insurance.

Can I purchase insurance for my spouse?


Can I purchase insurance for my children and/or grand-children?


Can I own multiple policies from different carriers?

Yes, there is no limit to the number of carriers you choose to own

How does The RJL Group, Ltd. choose the companies it represents?

For term insurance, the primary method is our proprietary software programs. We combine quantitative and qualitative factors to regularly monitor products, process and service of highly rated insurance companies that actively compete for term life business placed by independent agents. Different insurance carriers have different standards for their underwriting classifications. Each company can be more or less competitive depending upon such factors as policy size, age, health factors and recreational activities.

For whole life and universal life insurance, the primary method is similar to term insurance but also factors in pricing, dividend history, interest rates and company stability.

For disability insurance, the primary method is soliciting the “own occupation” carriers in your certified specialty.

How long does it take to underwrite a policy?

On average 30-45 days.

How frequently will The RJL Group, Ltd. be in contact with me?

Our clients are contacted at the very least, once a year or as often as needed.

How do I file a claim?

The RJL Group, Ltd. will assist you with your respective carrier’s claims department.

How confidential is my information?

Completely confidential. We are HIPAA compliant. Only the companies where we place your business will have access to your information.

When I do apply for coverage, will I have to take an exam?

Yes. Almost every company requires applicants to take a brief para-medical exam, which includes blood and urine specimens. In some cases, you will also be required to have additional tests completed at the request of the insurance company. The exam is at no cost and takes place at your home or office when it is convenient to you. The exam normally takes no longer than 20 minutes.