Rick Roach / 612-377-8008

Rick Roach

Owner - Health of America Insurance Agency, Founded in 1991.

Entered the insurance business in 1976 and started Health of America Insurance Agency in 1991 as Health "MN" Insurance Agency. Having specialized in health and medical insurance for the self employed, individual, family and small employer market, as well as providing the lowest cost life insurance coverage offered.

Non Medical - No Exam Life Insurance ...

... has reinvented the delivery of life insurance to its buyers with its new low competitive pricing, ease of purchase and simplicity of underwriting. It is no longer necessary to spend endless hours with doctors, nurses, parameds using needles running tests and urine samples all to qualify for your much needed life insurance policy. With the massive knowledge base used by insurers today it has now become more efficient and cost effective for all parties involved to progress today's less intrusive and time saving non medical products.


Yearly Refund - Group Health Insurance Plans for groups of 5 to 50+.

Enjoy the benefits large groups have had for over 5 decades with todays risk free - parially self funded plans for small business owners with 5+ employees offering lower premiums and a return of unused claims money yearly (get a quote)

..1.1 Million Life Insurance Policies Are Lapsed Each Year By Seniors Over 65 And 112 Billion Dollars Of Face Value Are Lost!  And most seniors never knew a Life Settlement was an option? 

Cash4insurance products which benefits those owning.


1) Life insurance that is no longer needed, wanted or affordable.

2) Annuity payments that are no longer wanted.

3) Structured Settlement  payments that are no longer wanted

and turning them into Lump Sum CASH.

Seniors age 65 and older owning life insurance with a face value of $100,000 or more with no current need for the coverage and considering lapsing the policy may be surprised to learn they can sell that asset for cash, income, LTC benefits or even paid up coverage with no future premium liability.

This applies to Term Insurance, Universal Life Insurance and some forms of Whole Life.

Available in most states. 

Visit: Cash4Insurance.com