Ruhm Insurance Agency, LLCChris Ruhm is an independent insurance advisor offering health, Medicare (Advantage, Supplement, and Prescription Drug Plans), life, long-term care, and home/auto/business insurance across multiple states, with quick online quotes available. He collaborates with CPAs, financial planners, HR departments, and other referral partners to tailor coverage to each client's needs while avoiding conflicts with other carriers. He emphasizes ethical service, HIPAA compliance, and educating clients to help them choose the right coverage at affordable premiums.