Personal Insurance
At PennRisk, we help individuals and families safeguard their homes, health, income, and future with personal insurance solutions that fit real life. From life insurance and annuities to specialty policies like pet and flood coverage, we’ll help you find the right protection at the right price—backed by decades of experience and access to over 100 top-rated carriers.
Why Choose PennRisk for personal insurance?
Our team is made up of experienced professionals who are passionate about helping individuals and families protect what matters most.
We don’t rely on cookie-cutter policies. Instead, we take the time to understand your personal circumstances and match you with coverage that actually fits your life.
With physical offices across three states and licensing in ten, we offer both local service and regional reach. Our deep network of more than 100 carriers means we can shop the market for you—ensuring you get the most competitive rates and best-fit policies every time.
We’re not just here to sell policies—we’re here to build lasting relationships. Whether you’re insuring your first home or planning your retirement, we’ll be with you every step of the way.
Life Insurance & Annuities
Secure your legacy.
When it comes to life insurance, choice matters. At PennRisk, we work with dozens of top-rated carriers to help you compare and select the best life insurance solution for your personal situation. Whether you’re just starting a family, buying a home, or planning for retirement, we’ve got options that provide lasting peace of mind.
Looking for predictable income later in life? Our team has decades of experience guiding clients through annuity solutions that provide guaranteed income for life—ensuring financial stability during retirement. We take the time to understand your long-term goals and help you plan with confidence.
Specialty Insurance Products
Not all coverage fits neatly into a box. That’s why PennRisk offers a suite of specialty insurance products designed to protect what traditional policies don’t. Whether you need:
- Pet insurance to cover unexpected veterinary costs
- Flood insurance for peace of mind during storm season
- Cyber liability insurance to protect your digital footprint
…we’ve got you covered. Our team will guide you through the options and help you secure comprehensive protection for life’s curveballs.
Medicare Supplement & Related Coverage
Navigating healthcare in retirement doesn’t have to be complicated. At PennRisk, we offer a full range of Medicare supplement and related insurance options designed to help you fill the gaps in traditional Medicare coverage—so you can focus on living well.
From dental and vision plans to ensure your overall wellness, to life insurance options from Colonial that include both term and permanent policies (with the potential to build cash value), we’re here to support your health and financial security.
Our supplemental products include:
- Cancer insurance – Affordable coverage to help protect your assets and provide financial support if you’re diagnosed with cancer.
- Hospital indemnity – Receive direct cash payouts for covered medical expenses, giving you financial flexibility when you need it most.
- Disability insurance – Choose from short-term or long-term options to keep income flowing in the event of an illness or injury that prevents you from working.
We’ll help you build the right combination of coverage to suit your health, lifestyle, and retirement goals.
Ready to Get a Quote?
Whether you need coverage now or just want to explore your options, we’re here to help. Schedule a free consultation with our team—either virtually or in-person—and get the guidance you need to make the right decision for your future.
FAQs
We know choosing the right insurance can be overwhelming. Here are some of the most common questions we hear from individuals and families—answered simply, so you can make confident decisions about your coverage.
Have a question?What type of life insurance is right for me—term or permanent?
It depends on your goals. Term life insurance is more affordable and ideal for covering needs like mortgages or children’s education over a set period. Permanent policies offer lifelong coverage and may build cash value. We’ll help you choose what fits your situation best.
Can I bundle multiple personal insurance policies to save money?
Yes! Bundling home, auto, life, and specialty policies with the same carrier often leads to significant discounts. We’ll compare options from over 100 carriers to find you the most cost-effective combination.
Do I really need coverage like pet, flood, or cyber insurance?
Standard policies may not cover certain risks. If you live in a flood-prone area, rely heavily on your digital devices, or want help with unexpected vet bills, these specialty products can be smart add-ons. We’ll walk you through what makes sense for your lifestyle.