Raymer Malone, CFP® has been in the financial services industry for over 20 years. In 2004, he acquired his life and health insurance licenses and followed that by obtaining his Certified Financial Planner certification in 2010. Operating primarily as an independent wholesaler who provided disability and life insurance product and case design strategies to other agents and financial advisors, Ray has interacted with thousands of insurance-licensed individuals and their practices.
Ray started the High Income Protection Insurance Agency to help consumers get access to disability and life insurance products online and provide them with the proper direction in choosing a policy. Individual disability insurance and life insurance can be very complex. Having a specialty makes Ray uniquely positioned to help his clients secure the best possible coverage. Carriers, objectivity (being truly independent), additional features, and premiums all play a role in attaining the appropriate policy for your protection goals.
Ray’s process in working with his clients is straightforward: Understand his client’s needs, educate his client on the insurance marketplace and proper policy design, provide a recommendation based on his expertise and resources, and finally walk the policy through underwriting from application until placement.
At the High Income Protection Insurance Agency, we provide expert, unbiased advice in selecting the right policy for your needs. If you’re a high-income earner who needs insurance, please contact Ray at ray@highincomeprotection.com or call (888) 636-2310.
You can also schedule a consultation by visiting his calendar below
On a personal note, Ray enjoys hiking, skiing, cooking, and traveling with his family. He currently resides in Genoa, NV with his wife, Lauren, and two children, Abigail and Jason.