Life Insurance Simplified
Welcome to BRB Life! We are a team of experienced and dedicated professionals committed to helping you protect what matters most - your loved ones. Our mission is to provide you with the peace of mind that comes from knowing your family's future is secure. Whatever you are looking for we have the expertise and resources to help you make informed decisions.
BRB Life has access to over 65 different insurance carriers.
We can specially design a policy for almost all of your needs, including:
- Premium Financing for Accredited Investors
- Universal Life
- Index Universal Life
- Long-term Care Insurance
- Specialty/Niche Insurance
- Term Life
- Whole Life
- Mortgage Protection
- Final Expense Insurance
- Fixed Annuities
- Indexed Annuities
We also offer a wide variety of financial services through our additional branches across the industry.
Life Insurance
When it comes to life insurance, the sooner you act, the better.
Your health plays an important role in coverage price, so the younger and healthier you are at the time of coverage, typically the lower the cost. Plus, with simplified underwriting, you may have the opportunity to receive coverage without a medical exam.
Take a look at the article below to learn why it’s important to get covered sooner rather than later. You’ll probably be surprised—term life insurance costs less than you think.
Don’t wait until you have a health event or are close to retirement to provide your family with financial peace of mind. Give us a call and we can find the best options for your needs and budget.
Long-term Care
We’ve all heard that thorough preparation minimizes risk. The same could be said for financial planning for unexpected medical events.
We can help you determine which long-term care (LTC) coverage options will work best to help protect your retirement assets and your family.
And, if you’re concerned about paying premiums for a policy you might not need, we offer products that provide benefits whether you need long-term care services or not.
Beneficiary Review
Health and life changes can affect our financial health, too. That's why it's important to periodically check and update your account information and other financial documents.
This is especially true when it comes to the beneficiaries you have selected to inherit your assets.
Over time, beneficiaries can become outdated or contain simple errors such as having incomplete information, not adding a new child or grandchild, or failing to update names after marriage. A comprehensive beneficiary review can help ensure your estate plan will be carried out as you intended.
Annuities
No two individuals have the same retirement goals. That’s why there are numerous annuity products and features designed to optimize your existing plan.
The three primary annuity types—fixed, indexed, and variable—are each designed to fit a different risk tolerance and objective.
- Fixed: for those who want to save money and receive protected income.
- Index: for those who want to take advantage of market gains but want a level of protection against losses.
- Variable: for those with a higher risk tolerance or longer time horizon, who want to take advantage of market gains.
Click the button below to learn about the 3 myths of annuity.
Meet Our Team
A Team you can count on
Our team has decades of experience in the insurance and financial industry and we are committed to helping you protect what matters most - your loved ones.
Marc-Anthony Richardson
BRB Life
James O. Philips
BRB Life
Chad R. Barber
BRB Life
Bret Kerns
BRB Life
Eric Nost
BRB Life
This service is not insured by the FDIC
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Certificate of Deposit Specials
| Term | Interest Rate | APY | Minimum Balance |
|---|---|---|---|
| 10 Months | 4.42% | 4.50% | $1,000 |
| 23 Months | 3.45% | 3.50% | $1,000 |
Annual Percentage Yield (APY) accurate and effective as of 9/30/2024. This is a limited time offer and may be withdrawn at any time. Minimum balance to open and to obtain APY is $1,000. Certain restrictions and conditions may apply. Fees may reduce earnings. Early withdrawal fee may apply. All figures in examples are for product explanation and are based on a 10-month and 23-month term. Ask us for complete details.
Certificates of Deposit
| Term | Rate | APY | Minimum Balance |
|---|---|---|---|
| 3 - 5 Months | 1.00% | 1.00% | $1,000 |
| 6 Month | 1.05% | 1.05% | $1,000 |
| 7 - 11 Months | 1.10% | 1.10% | $1,000 |
| 12 - 17 Months | 1.24% | 1.25% | $1,000 |
| 18 - 23 Months | 1.29% | 1.30% | $1,000 |
| 24 - 35 Months | 1.34% | 1.35% | $1,000 |
| 36 - 47 Months | 1.39% | 1.40% | $1,000 |
| 48 - 59 Months | 1.44% | 1.45% | $1,000 |
| 60 Months and Longer | 1.49% | 1.50% | $1,000 |
The Minimum Opening Deposit and Minimum Balance Requirement is $1,000 for Terms 60 Months or less and $25,000 for Terms 72 Months or greater.
Please see our Disclosure information
Checking and Savings Accounts
| Product | Interest Rate | APY | Balance |
|---|---|---|---|
| Charitable Account | 0.10% | 0.10% | |
| Health Savings Account | 0.15% | 0.15% | |
| Jackpot Savings | 0.10% | 0.10% | |
| Savings Accounts | 0.10% | 0.10% | |
| Golden Advantage Plus | 0.025% | 0.03% | $0.00-$2,499.99 |
| Golden Advantage Plus | 0.05% | 0.05% | $2,500.00-$49,999.99 |
| Golden Advantage Plus | 0.075% | 0.076% | $50,000.00 and Greater |
| Youth Savings Account | 0.10% | 0.10% |
Please see our Disclosure information
Golden Advantage Certificate of Deposits and Specials
| Term | Interest Rate | APY | Minimum Balance |
| 12 months | 4.52% | 4.60% | $1,000 |
| 30 months | 3.46% | 3.50% | $1,000 |
| 36 months | 1.39% | 1.40% | $1,000 |
| 60 months | 2.97% | 3.00% | $1,000 |
**Annual Percentage Yield (APY) accurate and effective as of 9/30/2024. This is a limited time offer and may be withdrawn at any time. Minimum balance to open and to obtain APY is $1,000. Certain restrictions and conditions may apply. Fees may reduce earnings. Early withdrawal fee may apply. All figures in examples are for product explanation and are based on a 12-month, 30-month, and 60-month term. Ask us for complete details.
Jumbo Certificates of Deposit
| Term | Rate | APY | Minimum Balance |
|---|---|---|---|
| 1 - 2 Months | 1.00% | 1.00% | $100,000 |
| 3 - 5 Months | 1.09% | 1.10% | $100,000 |
| 6 Months | 1.15% | 1.15% | $100,000 |
| 7 - 11 Months | 1.19% | 1.20% | $100,000 |
| 12 Months and Longer | 1.34% | 1.35% | $100,000 |
The Minimum Opening Deposit and Minimum Balance Requirement is $1,000 for Terms 60 Months or less and $25,000 for Terms 72 Months or greater.
Please see our Disclosure information
Kasasa Cash*
| Balance | Minimum Deposit to Open | Interest Rate | APY |
|---|---|---|---|
| $100 - $15,000 | $100 | 4.89% | 5.00% |
| $15,000+ | NA | 0.05% | 0.05% |
| All balances if qualifications not met | NA | 0.01% | 0.01% |
Qualifications
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash® account during each Monthly Qualification Cycle:
- Have at least 10 debit card purchases post and settle
- Be enrolled and receive eStatement notice
- Have at least 1 direct deposit or 1 ACH auto debit post and settle
That's it. Even if you don't meet your qualifications during the cycle, your Kasasa Cash account is still free. Plus, you'll still earn our base interest rate. And you can get right back to earning your full rewards the very next month.
Kasasa Saver*
| Balance | Minimum Deposit to Open | Interest Rate | APY |
|---|---|---|---|
| $0 - $100,000 | $0 | 2.96% | 3.00% |
| $100,000+ | $0 | 0.05% | 0.05% |
| All balances if qualifications not met | $0 | 0.01% | 0.01% |
Qualifications
Qualifying for your Kasasa Cash rewards automatically qualifies you for the highest Kasasa Saver® rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:
- Have at least 10 debit card purchases post and settle
- Be enrolled and receive eStatement notice
- Have at least 1 direct deposit or 1 ACH auto debit post and settle
That's it. Even if you don't meet your qualifications during the cycle, your Kasasa® accounts are still free. Plus, you'll still earn our base interest rate on Kasasa Saver. And you can get right back to earning your full rewards the very next month.
Money Market
| Balance | Rate | APY |
|---|---|---|
| $0.00 - $24,999.99 | 0.25% | 0.25% |
| $25,000.00 - $49,999.99 | 0.35% | 0.35% |
| $50,000.00 - $249,999.99 | 0.50% | 0.50% |
| $250,000.00 and Greater | 0.65% | 0.65% |
Municipal Money Market
| Balance | Rate | APY |
|---|---|---|
| $1,000.00 and Greater | 0.15% | 0.15% |
Signature Money Market*
| Balance | Rate | APY |
|---|---|---|
| $0.00 - $24,999.99 | 0.00% | 0.00% |
| $25,000.00 - $49,999.99 | 0.00% | 0.00% |
| $50,000.00 - $249,999.99 | 4.27% | 4.35% |
| $250,000.00 and Greater | 4.27% | 4.35% |
*Annual Percentage Yield (APY) accurate and effective as of 9/30/24. The minimum balance to obtain interest on the Signature Money Market is $50,000. An $11 service fee applies if the account balance falls below the minimum balance. This offer is for new money not currently on deposit with Blue Ridge Bank.