How It Works
A simple process, at your pace.
No pressure and no jargon — just a clear look at what is available and how it would work for your household.
- 1
Connect
Start with a conversation about your family, income, and priorities.
Twenty to thirty minutes, in person in Gilroy, by phone, or by video. Nothing to prepare — just a picture of who depends on your income and what you already have in place.
- 2
Explore Your Options
Review available protection options and determine what may fit your situation.
Ruby walks through how each option works, what triggers a benefit, common exclusions and waiting periods, and how costs compare. Questions are encouraged; there is no obligation.
- 3
Protect What Matters
Choose the coverage that makes sense for your needs and budget.
If something fits, Ruby helps with the application and explains next steps and timelines. If nothing fits right now, that is a perfectly good outcome too.
What to expect in the first conversation
- A few questions about your household, work, and existing coverage.
- An honest explanation of what supplemental protection can and cannot do.
- Written information you can review with your family before deciding.
- No obligation to apply, and no pressure to decide on the spot.
Don't Wait Until You Need Protection.
Unexpected events don't always give us time to prepare. Take a moment today to learn about your options.
Protect your health. Protect your income. Protect your family.