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    Be informed, with DMR Insurance Brokerage

    Be informed, with DMR Insurance BrokerageBe informed, with DMR Insurance BrokerageBe informed, with DMR Insurance Brokerage

    You and your family are our first priority.

    (704) 798-3075

    Be informed, with DMR Insurance Brokerage

    Be informed, with DMR Insurance BrokerageBe informed, with DMR Insurance BrokerageBe informed, with DMR Insurance Brokerage

    You and your family are our first priority.

    (704) 798-3075

    About DMR Insurance

    Purpose & Role

      We aim to inform the public and assist in the selection of life and health insurance policies while keeping your information private. We want you to understand the policies, your options, and find a solution to pursue that is right for you without speaking to a salesman/woman.

    Our Mission

    We strive to provide the simplest, and most straight forward process that we can, in this complicated field.

    General Health Insurance Providers

    Aetna

    United Healthcare

    United Healthcare

    Aetna Health Insurance policies for Individuals & groups are: 


    • Medical 
    • Dental
    • Vision
    • Pharmacy


    Rates are based on; County, Age, & Plan.

    Aetna Plans

    United Healthcare

    United Healthcare

    United Healthcare

    United Healthcare Insurance policies for individuals & groups are:


    • Medical 
    • Dental
    • Vision



    Rates are based on Age & Plan.

    United Healthcare Plans

    Cigna

    United Healthcare

    Cigna

    Cigna Healthcare Insurance policies for individuals & groups are:


    • Medical 
    • Dental
    • Vision



    Rates are based on Age & Plan.

    Cigna Plans

    Health insurance plan options & rate request:

    This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

    704-798-3075 dallinrheiner@dmr-insurance.org

    About DMR Insurance

    Small time, but here for you.

    • DMR Insurance is currently owned and operated by just myself Dallin Rheiner, out of my home in Sanford NC. I hope to expand in the future. But as of now, it is just me, my three cats and my dog, to help you in your insurance search.  


    • I have a Bachelors in Finance from Western Carolina University


    • In high school I had considered being a nurse as I enjoy helping others, but life lead me in the corporate direction.


    • This business is my effort to head back into the right direction with the skills I have gained.


    • Frankly I'm a numbers guy, not a Salesman. Also I made this website. (its a work in progress)


    • NC Insurance producer license Number: 21333697 


    General Life Insurance Policy Information

    Term Life Insurance

    Whole Life insurance

    Whole Life insurance

    Time, Term, or Period of Time. a photo found on Pexels

    The most basic form of life insurance. Choose a total amount of coverage and a time frame to be protected. ex: $100,000 of coverage will be paid to your loved ones in the event of your passing ONLY for 10 years.

    Whole Life insurance

    Whole Life insurance

    Whole Life insurance

    Going from young to old, the Whole of life. found on Pexels

    A life insurance option without the time constraints. A simple solution, ex: $100,000 of coverage will be paid to your loved ones in the event of your passing, for life.

    Living Promise Insurance

    Living Promise Insurance

    Living Promise Insurance

    The Elderly passing on what they can to the next generation. found on pexels

    In straight forward words: a "death benefit policy". In the event of your passing this will be paid out to your chosen beneficiary. These policies are available for older individuals (up to 85) with a much smaller total pay out limit. (up to $100,000 in most cases)

    Universal Life Insurance

    Living Promise Insurance

    Living Promise Insurance

     These policies are Whole Life plans that are more complex and varied but with more benefits.

    Get a free, in-depth Life insurance, quote:

    This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

    704-798-3075 dallinrheiner@dmr-insurance.org

    Why Choose DMR Insurance?

    I'm not a salesmen. Anyone who may join my team will also not be a salesmen. I am here to help you, I am here to show you the costs and options you have. If you don't want to pursue any of those policies? That is just fine, and I'm glad I helped you make a more informed decision.


    I am an Independent Contractor. I have contracts written with each of the companies below, I have no quotas, I have no boss telling me to "Sell, Sell Sell!". But I do have access to their quoting software and can send them your applications if you wish to have a simple no upselling process.


    Any information sent to me that does not lead to an application will be deleted within 30 days and not passed on in anyway. 


    General Insurance Information

    Co-Insurance

    The amount that insurance companies will pay on services. To break it down, the insurance company will pay 70% on covered services that exceed the deductible in a 70/30 plan.


    ex: You get in an accident and the covered hospital bill is $600, your deductible is $200. You also have a 70/30 plan. So you pay $320. $200 deductible, and $120 as that is 30% of the remaining $400

    Deductible

    Deductible's are the amount that you pay as the insured before your insurance starts paying their co-insurance percentage of services.

    Premium

    Its just a fancy word for "service bill". In other words, your monthly payment.

    Cash Value

    Certain life insurance policies have a "Cash Value" , which in reality, is the total amount you have paid the insurance company. Now in some policies you can take that money back out. Also you may have a stipulation in the contract that your payments will pull from the cash value if you miss a payment. Some policies also gain interest on their cash value yearly, which will also pay out in addition to the death benefit. An example would be the Indexed universal life policy through Mutual of Omaha 

    Critical Illness/Accident Insurance

     If you as an individual are afflicted with any type of fatal illness/accident that is covered by the chosen policy. The policy amount will be paid to your chosen beneficiary. If you recover, you do not owe the insurance company anything. That money can be used in any way chosen by the beneficiary. 


    Ex: Motorcycle accident where you lose both hands. If you have dismemberment insurance in the amount of $100,000 that amount will be paid to your chosen beneficiary. (on that note, if you only lose one hand in this example its a "partial dismemberment" and only half of the benefit is paid out. Which I personally think is ridiculous)

    Medicaid

    Medicaid is government financial assistance for medical care, available to those below a certain financial threshold, and the physically disabled. 

    Beneficiary

    The chosen individual that will receive the benefit of a policy when the policy "Matures". In other words, when the policy activates.

    Pay on the first dollar

    This term describes a health insurance policy that doesn't have a deductible and will assist with payment on the "first dollar"  these plans tend to have higher premiums, and a less favorable split on co-insurance.

    Our life insurance Carriers:

    Mutual of Omaha:

    https://www.mutualofomaha.com


    Legal & General:

    https://www.lgamerica.com


    Fidelity & Guaranty Life:

    https://www.fglife.com/


    Foresters Financial:

    https://www.foresters.com/en


    American Amicable:

    www.americanamicable.com


    Contact Us

    In person appointments available by request:

    DallinRheiner@dmr-insurance.org (704) 798-3075

    Copyright © 2025 DMR Insurance - All Rights Reserved.

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