Give us a call
610.367.2544

Individual Life Insurance in Boyertown PA & Gilbertsville PA

Reassurance for you and your Loved Ones.

Gerhart, Hartman & Ritner, Ltd. provides life insurance to individuals in Boyertown, Gilbertsville, Douglassville, Oley, Pottstown, Reading, and surrounding areas.

Many individuals consider life insurance to be the cornerstone of a sound financial plan. And while no one likes to think about passing on, Life Insurance can relieve you of the financial worry your loved ones may face in the event of your passing. 

Your beneficiaries will be able to use your Life Insurance policy to help pay for anything from expensive funeral costs and estate taxes to making up for lost income or funding your child’s education. It can even be used to continue payments on your mortgage to help ensure that the family home stays in the family.

At Gerhart, Hartman & Ritner, Ltd., we know that choosing a Life Insurance plan is a big decision with many important factors to consider. Our knowledgeable team of insurance professionals is committed to walking you through the process and providing you with the best insurance solution to give you and your family the reassurance they deserve. 

Types of Individual Life Insurance

Gerhart, Hartman & Ritner, Ltd. offers several different coverage options for your consideration including term life, whole life, and more.

Term Life – This is typically the simplest and least expensive insurance option. Term life insurance provides coverage at a fixed rate for a specified period of time. It’s a benefit policy that’s used primarily to cover financial responsibilities of the insured, with the benefit to be paid only if the insured were to die during the specified term. Most term life policies can be converted to a more permanent insurance solution such as whole life or universal life insurance.   

There are two types of term life insurance: 

  • Annual Renewable Term is purchased for a period of one year, with the death benefit to be paid only if the insured were to die during that one-year term, along with the option to renew after the term period.
  • Level Term Life guarantees a fixed premium for a given period of time, usually in terms of 10, 15, 20, or 30 years. Your premium is based on your age and coverage options, with longer terms being more expensive.
  • Whole Life – As the most common type of permanent insurance, a whole life policy guarantees a death benefit for the lifetime of the insured as well as a cash value account for savings. Your premium remains constant throughout the duration of policy while payments over and above your premium are credited to your savings, which earn a fixed rate of interest. 

Gerhart, Hartman & Ritner, Ltd. is here for you

There are many things to take into account when purchasing life insurance, and changes in your life situation can reflect changes in your insurance requirements. That’s why it’s important to carefully consider the different policy options and ensure that you have the right solution to meet your long-term life insurance needs. 

An insurance specialist with Gerhart, Hartman & Ritner, Ltd. will review your current life insurance situation and help you design a policy to plan for the future. 

At the end of the day, one of the biggest investments you can make is an investment in yourself. 

As your personal situations change (i.e., marriage, birth of a child or job promotion), so will your life insurance needs. Care should be taken to ensure this product is suitable for your long-term life insurance needs. You should weigh any associated costs before making a purchase. Life insurance has fees and charges associated with it that include costs of insurance that vary with such characteristics of the insured as gender, health and age, and has additional charges for riders that customize a policy to fit your individual needs.

Our Locations

Boyertown Office

138 S. Reading Ave.
Boyertown, PA 19512
Main office: 610-367-2544
Fax: 610-367-2656

Red Hill Office

262 Main Street
Red Hill, PA 18076
Main office: 215-679-7345
Toll free: 888-819-2762
Fax: 215-679-6464

Our Providers

Testimonials

Claim was handled expeditiously & professionally at both local & home office levels. Thanks to all!!

Bob S.
Thank you for all the help with our recent claim! Your service was good as always.

Donald & Glenna A.
Prompt communication throughout the claim process. Car is at the body shop. Other damage was detected and reported to insurance by body shop. Insurance representative called to acknowledge the additional damage and is sending additional funds to cover the repair. Thank you to all for expertise and assistance in resolving this claim.

Harvey & Rosalie N.
Haley did a wonderful job! She was able to find an insurance company that could save us money. Keep up the great work, Haley! We will definitely tell people about our savings & great customer service.

Terry & Donna L.
All went smoothly with dealing with your agency and repair process.

James & Margaret M.
We are very pleased to rate your service with a perfect score every time. For this reason, we continue to do business with your agency.

Robert & Ruthanne O.
Alyssa is very friendly and willing to help. She was a great help on my recent claim for an accident I had during our last snow storm. My claim to Selective Insurance was handled satisfactorily and my car is like new again.

Frank R.
Alicia has been great to work with during this incident. Really feel like your customers matter.

Ronald & Melissa S.
Very pleased with the service provided in helping me deal with the loss of our car. Thank you!

James & Nina L.
Very professional. Spoke with Haley and was very satisfied for the route taken. Doing great for my needs!

Maria G.
The claim went smoothly - MMG was very responsive as well as GHR, who are always on top of any issue. Thank you.

Annette C.
Thanks for all your help with my misfortune. I would also like to thank Ms. Springman for her assistance. You (Deb Hutt) and the staff have always been very helpful and assisted me when I had any questions. I was pleased with the turn-around time on this particular event. Again, I convey my deep appreciation for the good customer service.

Joseph B.
You do a great job! Thank you.

George H.
A great job was done! Deb explained what needed to be done in detail. Every question answered. Got me in touch with . . . another agent who even set up a reservation for . . . rental car.

Janet C.
Everything was handled very nicely and fast. No problems at all. Thank you.

Fern Y.
My claim was handled quickly and professionally. My agent (Beth) was her usual efficient self. Thank you.

Lisa & Robert B.
Just want to thank you for your prompt and courteous service. Thank you.

Nancy M.
We want to thank you for all the attention you have given to us throughout this process. We really appreciate all the extra help.

Lynn & Dennis J.
My business with Gerhart, Hartman and Ritner has always been friendly and professional. My mishap in December was very upsetting to me but you were very kind and understanding and I appreciated that. Thank you.

Betty O.
I was very satisfied how everything was taken care of.

Leon M.
The entire transaction with GHR and Maine Mutual was very smooth when I incurred a repair situation with my vehicle. My vehicle is now repaired and everything is good. Haley is always available when I call and always provides good advice with a pleasant demeanor.

Kay M.