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Kal Patel
Business Name:
RH Benefits
Business Description:
Life Insurance Advisor offering Life & Disability insurance. As an independent Life insurance advisor I can provide solutions from all the major insurance carriers to select the most suitable solution for your needs.
How Business Creates Value:
I am contracted with Ameritas which is a Mutual company but I have access to most major carriers (Banner, John Hancock, Legal & General, Lincoln, Nationwide, OneAmerica, Pacific Life, Protective, Prudential to name a few. I take an informational approach with my clients to explain the two main types of life insurance, term and permanent and how these two types can be incorporated in the planning for some financial peace of mind for them and their loved ones should the unexpected happen. Additionally I explain how life insurance can be used as a swiss army knife to provide income protection, asset protection, tax free supplemental retirement income as well as some long term care coverage depending on the type of coverage and how it is structured., since it is based on the problem or strategy we are aiming to resolve.
How Member Creates Value:
In addition to the initial policy selection I maintain contact with client throughout the year and at a minimum schedule an annual review of the policy and the overall situation of the client in case there have been any changes that would indicate a reassessment of the coverage amounts and needs as well as updates to beneficaries.

Contact Information



  • CA Insurance License #0L92241
  • Series 6, Series 63, Series 65 and Series 7