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Paul Ruffner

Financial Professional
Insurance Sales Representative - Bankers Life and Casualty Company
Direct Phone:
(256) 203-7242(256) 203-7242
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Paul RuffnerInsurance Sales Representative, Huntsville, AL

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Meet Paul Ruffner
Personal Business Philosophy
Helping my clients protect their financial security as they plan for retirement is important to me. I recognize that my clients’ needs and priorities change over time, and I am dedicated to being there to serve them with integrity every step of the way.
licensed in
AL, GA, MI, TN, VA, WV
professional background
Joined Bankers Life in 2020Began work in the Insurance Industry in 2020Education: Henry Ford College 2 years Bus. and Transportation Management
personal background
Family: Married 43 years to my wife Karen; 3 children, 5 grandchildrenCommunity Involvement: Alzheimer's Society

Paul Ruffner, Bankers Life Agent in Huntsville, AL

Closed - Opens at 9:00 AM Monday
Contact Me
Office Phone:
(256) 203-7241(256) 203-7241
Direct Phone:
(256) 203-7242(256) 203-7242
Cell Phone:
(256) 303-6552(256) 303-6552
paul.ruffner@bankerslife.com
Branch Info
4890 University Square
Ste 2A
Huntsville, AL 35816
US
Hours
Day of the WeekHours
SundayClosed
Monday9:00 AM - 5:00 PM
Tuesday9:00 AM - 5:00 PM
Wednesday9:00 AM - 5:00 PM
Thursday9:00 AM - 5:00 PM
Friday9:00 AM - 5:00 PM
SaturdayClosed

Our Brands and Partners

Our agents provide an expansive suite of insurance options, including core products offered by Bankers Life and Casualty Company, Colonial Penn Life Insurance Company and Washington National Insurance Company.

  • Bankers Life Logo
  • Colonial Penn Logo
  • Washington National Logo

FORGET ME NOT DAYS

At Bankers Life, our insurance agents and associates witness firsthand the impact that Alzheimer’s and dementia have on our customers, their families and their caregivers. That’s why we established Bankers Life Forget Me Not Days®, our nationwide fundraising campaign to benefit the Alzheimer’s Association®. This June marks the 23rd anniversary of the campaign. Since 2003, we’ve helped raise more than $7.8 million for the Alzheimer’s Association through the Forget Me Not Days campaign and corporate donations.

Explore Medicare Advantage

You have many choices when it comes to Medicare – I can help you compare Medicare Advantage plans to find the right coverage for you. * Medicare Advantage (Part C) is an all\-in\-one alternative to Original Medicare Parts A and B. * It offers similar coverage, and with the optional benefit of prescription drug coverage (Part D). * Medicare Advantage Plans include an annual maximum out of pocket limit, and some plans offer premiums as low as $0 per month.


Products & Services Offered in Huntsville, AL

  • Life Insurance

    Find out how life insurance can help protect the financial security of you and your family.
    Explore
  • Medicare Supplement Insurance

    Learn how Medicare supplement insurance can help cover out-of-pocket costs that Medicare may not cover.
    Explore
  • Long-term Care Insurance

    Find out how long-term care insurance can help provide financial security in the event of an unexpected long-term illness.
    Explore
  • Annuities

    Learn how an annuity can help protect and grow your retirement savings.
    Explore

Financial Calculators & Tools

Our calculators are here to help support your retirement and insurance planning needs so you can make confident and informed decisions.
Retirement Calculators
Insurance Calculators
  • How Long Will My Retirement Savings Last?

    Determine how long your retirement savings may last considering your monthly spending, sources of income, inflation and more.
  • Estimate Social Security Benefits

    Estimate your future Social Security benefits based on your income history and expected retirement age.
  • Traditional 401(k) or Roth 401(k)?

    How do traditional 401(k) and Roth 401(k) contributions differ, and which option best suits your financial needs?
  • Retirement Income Estimator

    Input your current savings and income sources to estimate your future retirement income and assess if you’re on track to meet your goals.
For information and educational purposes only. Does not constitute investment advice or a recommendation.
Reviews

Reviews for Paul Ruffner

5.0
Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
(3 Reviews)
  • 5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    He was friendly and knowledgeable.
Displaying reviews 1 - 1 out of the 3 most recent

Customer Reviews for Huntsville, AL

4.9
Rating 4.8full star ratingfull star ratingfull star ratingfull star ratingfull star rating
(69 Reviews)
  • Sharol F
    March 21, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Excellent customer service. Very sweet person!
    Excellent customer service. Very sweet person!
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  • Darla M
    March 3, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    She was great and explained everything so I understood.
    She was great and explained everything so I understood.
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  • Jenniferelena E
    January 17, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Individualized, responsive, expert service that promotes confidence in the representative and products she recommends. I highly recommend her. Also, she makes things easy, both via use of technology, as well as traveling to engage in person, to get transactions completed.
    Individualized, responsive, expert service that promotes confidence in the representative and products she recommends. I highly recommend her. Also, she makes things easy, both via use of technology, as well as traveling to engage in person, to get transactions completed.
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  • Connie B
    January 6, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Celicia was GREAT in explaining everything and SUPER patient and when she says you are family now you certainly feel that way at the the end of your visit with her. I highly recommend you at least give her a chance.
    Celicia was GREAT in explaining everything and SUPER patient and when she says you are family now you certainly feel that way at the the end of your visit with her. I highly recommend you at least give her a chance.
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  • Wendell M
    December 30, 2024
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Joshua done a good job explaining the difference between all the plans. Was able to answer all of my questions. Was a great help for me
    Joshua done a good job explaining the difference between all the plans. Was able to answer all of my questions. Was a great help for me
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  • hrherhhr h
    December 23, 2024
    4.0 out of 5.0
    Rating 4.0full star ratingfull star ratingfull star ratingfull star rating
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    bsbsrsgrsg
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  • Sandra S
    December 17, 2024
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    He was friendly and knowledgeable.
    He was friendly and knowledgeable.
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  • James G
    December 12, 2024
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Very professional and knowledgeable. Have always enjoyed doing business with her. Always helpful to our needs
    Very professional and knowledgeable. Have always enjoyed doing business with her. Always helpful to our needs
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  • Gordon P
    October 22, 2024
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Can not expect anything better. She is very knowledgeable and made everything as easy for me as she could.
    Can not expect anything better. She is very knowledgeable and made everything as easy for me as she could.
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  • Albert B
    October 2, 2024
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    very professional and knowledgeable and seem to care about the client
    very professional and knowledgeable and seem to care about the client
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  • Johnita M
    August 29, 2024
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Patient, responsive, great customer service.
    Patient, responsive, great customer service.
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  • Ernest P
    August 6, 2024
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    The young man that came to my house was very knowledgeable and helpful he made sure I got the information I needed to get the insurance I needed
    The young man that came to my house was very knowledgeable and helpful he made sure I got the information I needed to get the insurance I needed
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  • Alissa M
    July 5, 2024
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Justin was extremely knowledgeable and easy to work with. He explained things in a way that was easy to comprehend which I appreciated! I have never thought about or even heard of the living benefits of life insurance until our appointment. I highly recommend reaching out to Justin.
    Justin was extremely knowledgeable and easy to work with. He explained things in a way that was easy to comprehend which I appreciated! I have never thought about or even heard of the living benefits of life insurance until our appointment. I highly recommend reaching out to Justin.
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  • James W
    July 5, 2024
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    My family and I dealt with Justin in regards to another life insurance policy for my family. He was well informed and able to answer any question we had. It was a great experience and we will go back to Justin and Bankers Life for future insurance or financial needs.
    My family and I dealt with Justin in regards to another life insurance policy for my family. He was well informed and able to answer any question we had. It was a great experience and we will go back to Justin and Bankers Life for future insurance or financial needs.
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  • Patrick B
    July 2, 2024
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    He was very nice and informative. Answered all my questions.
    He was very nice and informative. Answered all my questions.
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  • Alissa M
    June 21, 2024
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Josh is by far one of the best people to work with. His knowledge is above par and he makes you feel super comfortable. Extremely easy to talk to. I have recommended him to multiple people amd have always received positive feedback and will continue to do so.
    Josh is by far one of the best people to work with. His knowledge is above par and he makes you feel super comfortable. Extremely easy to talk to. I have recommended him to multiple people amd have always received positive feedback and will continue to do so.
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  • Sonja S
    June 20, 2024
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Great customer service. Roselyn thoroughly explained details to us and provided us with a policy that works for us.
    Great customer service. Roselyn thoroughly explained details to us and provided us with a policy that works for us.
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  • Brian D
    June 19, 2024
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Great work explaining and executing an investment strategy for some of my retirement funds. Ira Taylor is very personable and professional, building my trust. And they are good stewards of my customer money!
    Great work explaining and executing an investment strategy for some of my retirement funds. Ira Taylor is very personable and professional, building my trust. And they are good stewards of my customer money!
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  • Elvera O
    June 17, 2024
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Good Woman
    Good Woman
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  • J M
    June 4, 2024
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Joshua was very helpful and provided us with many options that we weren’t aware of. He made it very easy to communicate about the whole process and was available when we had questions. We highly recommend him!
    Joshua was very helpful and provided us with many options that we weren’t aware of. He made it very easy to communicate about the whole process and was available when we had questions. We highly recommend him!
    Read More
    Read Less
Displaying reviews 1 - 4 out of the 20 most recent

FAQs

Insights From Paul
Featured Videos
Find out how Bankers Life long-term care insurance can offer you or a loved one the flexibility and independence you deserve.
Find out how Bankers Life long-term care insurance can offer you or a loved one the flexibility and independence you deserve.
Featured Videos
Universal life insurance can play a vital role in your retirement strategy. It provides long-term, permanent life insurance coverage plus more!
Universal life insurance can play a vital role in your retirement strategy. It provides long-term, permanent life insurance coverage plus more!
Featured Videos
Find out how life insurance can be an important aspect of retirement planning. Learn about the different types of life insurance and why life insu...
Find out how life insurance can be an important aspect of retirement planning. Learn about the different types of life insurance and why life insurance is important for everyone, no matter their age.
Find out how life insurance can be an important aspect of retirement planning. Learn about the different types of life insurance and why life insurance is important for everyone, no matter their age.
Middle aged couple embracing in autumn.
How to Navigate Social Security Survivor Benefits for a Spouse
"When a loved one passes away, you may need to take some time to process your emotions and seek solace. But when the loved one is your spouse, you may have to both grieve and address a handful of immediate issues, such as figuring out funeral arrangements and costs and sorting out estate, probate, and legal expenses.",Are 60 years old or older; or if you have a disability and are 50 years old or older,Were married for at least 9 months before your spouse passed,Didn’t remarry before age 60 (or age 50 if you have a disability),More than 75% at 61,More than 80% at 63,More than 90% at 65,The deceased’s death certificate,Your and the deceased’s Social Security number,Your birth certificate and marriage certificate (if applicable),"A term or whole life insurance policy can provide a lump sum upon a spouse’s death. This can help replace lost income, cover living expenses, and provide financial stability during an emotionally difficult time.",Annuities are contracts that guarantee regular income payments for life or a set period. Some annuities offer survivor benefits that provide ongoing income to spouses.,A well-funded 401(k) or IRA can supplement survivor benefits and help maintain financial stability.,"Stocks, bonds, and mutual funds can generate dividends and capital gains to supplement Social Security benefits.",Owning rental properties can generate a steady monthly passive income stream that doesn’t rely on employment or Social Security benefits.
Older couple sits in their kitchen with a financial advisor.
Protecting Your Nest Egg: Understanding Sequence Risk in Retirement
As you prepare for retirement, one of the most important considerations is how to ensure that your nest egg lasts throughout your lifetime and you don’t outlive your money. One risk that many may overlook is sequence risk, which occurs when you face poor market returns early in retirement while you’re drawing down your savings. This can cause long-term damage to your portfolio, leaving you vulnerable later on in life.
Two seniors talking with a financial professional.
Planning for Market Uncertainty: 5 Things to Consider If the Market Is Shaky
If you’re retired or nearing retirement, market uncertainty can feel unnerving. After you’ve spent decades working, saving, and planning, it’s natural to be concerned when the market dips or prices start rising.
Older couple sitting at table and smiling.
Annuity vs. Life Insurance: What’s the Difference?
As you think about how you want to approach planning for retirement, you’ll need to make decisions about how to manage financial risks and income. Annuities and life insurance policies are both excellent tools for doing that, but they serve different purposes.
Man on his laptop looking serious.
Annuities: A Financial Anchor in Times of Economic Instability
In times of economic instability, investors often seek safe havens to protect their financial future. Annuities, a financial product designed to provide a steady income stream, can be a valuable tool for those looking to mitigate risk and ensure stability. We’ll explore how annuities can serve as a reliable option during times of financial uncertainty.
Mature man drinking coffee from a mug while looking out the window of his home.
10 Retirement Income Streams Beyond Traditional Investments
Planning for a financially secure retirement often requires a bit of creativity. The average American retiree aged 65 or older spends approximately $4,818 a month, and relying solely on traditional investments, like 401(k)s or pensions, might not be enough.

Let's Talk About Your Plans for Long-Term Care!

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As people live longer and health care expenses continue to rise, the need for long-term care becomes more of a "when" than an "if" situation. That's why it's so important to be prepared and have discussions with your loved ones. Ready to start planning your next steps?

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