Insurance your way

Robert Jay Smukler has always been passionate about helping others, and it has motivated him to build the brand. He often hears sad stories about people not having enough money to pay for property repairs, hospitalization expenses, and even funerals, and he plans to change this. He plans on changing this by serving more clients and providing them with quality insurance protection.

Final expense

Final expense insurance is a whole life policy that pays medical bills and funeral expenses when you die. It’s also known as burial or funeral insurance. It’s a popular choice among seniors.

Most final expense plans have these features:

Whole life insurance – no expiration if premiums are paid
Cash value – insured may be able to take out a policy loan
Fixed premiums as long as they’re paid
Simplified issue – usually no medical exam  is required, just health questions on the application
Easy application process
Fast approvals – coverage can often be issued in days
Affordable rates up to age 85.

Mortgage Protection Policy

Mortgage protection insurance is an affordable term life insurance policy specifically designed for homeowners. Our policies ensure that your mortgage obligations are fulfilled if you cannot make payments due to a work accident, critical illness, disability or death.

Ensure that your loved ones can enjoy your home forever with mortgage protection insurance. You have enough to worry about. Let us check life insurance off your to-do list.


Term life insurance, also known as pure life insurance, is a type of life insurance that guarantees payment of a stated death benefit if the covered person dies during a specified term. Once the term expires, the policyholder can either renew it for another term, convert the policy to permanent coverage, or allow the term life insurance policy to terminate.

  • Term life insurance guarantees payment of a stated death benefit to the insured’s beneficiaries if the insured person dies during a specified term.
  • These policies have no value other than the guaranteed death benefit and feature no savings component as found in a whole life insurance product.
  • Term life premiums are based on a person’s age, health, and life expectancy.
  • Depending on the insurance company, it may be possible to turn term life into whole life insurance.
  • You can often purchase term life policies that last 10, 15, 20 or 30 years.

Retirement planning

Never lose money on your retirement plan again. Take advantage of the games and money with no losses.

Retirement planning means preparing today for your future life so that you continue to meet all your goals and dreams independently. This includes setting your retirement goals, estimating the amount of money you will need, and investing to grow your retirement savings.

Every retirement plan is unique. After all, you may have very specific ideas on how you want to spend your retired life. This is why it’s important to have a plan that is designed specifically to suit your individual needs.

Why Plan for retirement?

You retire from work, not life. You may have a new set of dreams for your post-retirement life. At the same time, you may also want to maintain your day-to-day lifestyle without worrying about expenses.

By planning in advance, you can define the path to achieve these life goals without any financial dependence.

Why Rjs Life Insurance Services?

We started with a mission to make life insurance accessible, affordable, and customized for everyone. RJS Life Insurance Services is a modern approach to the traditional process of shopping for – and purchasing – life insurance.

What You Get