Rebecca Gibbs Insurance
Our Mission
At Rebecca Gibbs Insurance, our mission is to provide personalized, comprehensive insurance solutions tailored to your unique needs. We believe in building lasting relationships with our clients—ensuring you feel secure, protected, and treated like family.
We partner with 20 top-rated carriers, giving you access to the best options available on the market. Our goal is to match you with the right coverage that fits your current lifestyle and future goals.
We are licensed in the following states: Alabama, Colorado, Florida, Georgia, Kentucky, Maryland, Missouri, Mississippi, North Carolina, New Jersey, South Carolina, and Virginia.
Whether you're planning for the future or protecting what matters most today, we offer solutions for:
- Life Insurance
- Long-Term Care
- Short-Term & Long-Term Disability
- Accident Coverage
- 401(k) Rollovers
- Annuities
"GoFundMe is not life insurance!"
Let us help you prepare for the unexpected—with coverage you can count on.
Protect your family! Rebecca Gibbs Insurance Can Help!
Common Types of Life Insurance
Term Life Insurance - Term life insurance or term assurance is life insurance which provides coverage at a fixed rate of payments for a limited period of time, the relevant term. After that period expires, coverage at the previous rate of premiums is no longer guaranteed and the client must either forgo coverage or potentially obtain further coverage with different payments or conditions. If the life insured dies during the term, the death benefit will be paid to the beneficiary. Term insurance is the least expensive way to purchase a substantial death benefit on a coverage amount per premium dollar basis over a specific period of time.
Whole Life Insurance - Whole life insurance, or whole of life assurance, is a life insurance policy that remains in force for the insured's whole life and requires (in most cases) premiums to be paid every year into the policy.
Universal Life Insurance - A type of permanent life insurance. Under the terms of the policy, the excess of premium payments above the current cost of insurance is credited to the cash value of the policy monthly.
Accident Insurance
Accident Insurance - Is a type of insurance where the policy holder is paid directly in the event of an accident resulting in injury of the insured. The insured can spend the benefit payment however they choose. Accident insurance is complementary to, is not a replacement for, health insurance.
Long-Term Care Insurance
Long-Term Care (LTC) Insurance - is a variety of services which help meet both the medical and non-medical needs of people with a chronic illness or disability who cannot care for themselves for long periods. Long-term care is focused on individualized and coordinated services that promote independence, maximize patients' quality of life, and meet patients' needs over a period of time
Long-Term Disability Insurance
Long-term disability insurance - provides financial security for individuals who are unable to work due to a disability that extends over several years or more. This type of coverage typically replaces a portion of the policyholder's income—usually between 60% and 80% of pre-disability earnings—and benefits may continue for five years or until retirement, depending on the policy. Long-term disability insurance is an important consideration for those seeking to protect their ability to manage essential expenses such as childcare, groceries, and mortgage payments in the event of a disabling condition prior to retirement.
Short Term Disability Insurance
Short-term disability insurance - is a type of coverage that provides temporary income replacement when you're unable to work due to a non-work-related illness, injury, or medical condition—including pregnancy or surgery recovery. Benefits Typically lasts 3 to 6 months, though some policies may extend up to a year. There is Income Replacement which pays about 40% to 70% of your regular income during the disability period. Eligibility Covers conditions that prevent you from working but are not caused by your job