Richard B. Ryon is selective about the insurance companies we represent. Financial strength and claims paying ability are important, but are only a starting point. Take, for example, two of our partner companies: Chubb Insurance was voted the overall best insurance carrier by Managers' Choice Awards and Hartford Insurance has been recognized for three years running as one of the world's most ethical companies by the Ethisphere Institute. The key to effective coverage (at a savings) for home, business, and life insurance is the ability to find the right insurance company and policy options for each customer. Independent choice means we can almost always get our customers better insurance protection at a better price.