Why Semper Insured? A Message from Our Founder, Stu Rutherfo
“Someone Who Would Represent Me & My Needs”
There are millions of insurance plans available today, each with different coverage options, deductibles, and monthly premiums. Trying to compare them all can be overwhelming, making it feel nearly impossible to find the right plan for your family's needs and budget.
Before I started Semper Insured, I experienced that frustration firsthand.
When I left active duty in the Marine Corps and came off TRICARE in 2017, I had never shopped for health insurance before. I didn't understand what I was reading online, and the large insurance companies' call centers weren't much help. Most of the people I spoke with seemed to know less than I did.
Eventually, I gave up and filled out an online request form.
Within minutes, my phone started ringing nonstop.
No one seemed interested in helping me find the right plan. They just wanted to sell me something.
I remember thinking:
"I wish there were someone honest and knowledgeable who actually represented me—not the insurance company."
That experience inspired Semper Insured.
“I Needed a Professional to Cut Through the BS. So I Became That Professional.”
Insurance isn't naturally complicated. There are only a handful of things that really matter:
· What the plan covers
· It’s deductible
· It’s maximum out-of-pocket cost
· It’s copays
· It’s coinsurance
The problem isn't the insurance—it's how it's presented.
Insurance companies often use confusing language, industry jargon, and fine print that make comparing plans far more difficult than it should be. Sometimes two plans appear identical until you discover a small note that says a copay only applies after the deductible has been met.
Those little details can cost thousands of dollars.
I became determined to understand the industry inside and out.
In 2018, I earned my federal insurance license and immersed myself in learning everything I could. Even today, I enjoy the constant learning and problem-solving that comes with helping clients navigate an ever-changing insurance landscape.
"Our Loyalty is to YOU, Our Client."
Unlike insurance companies, we don't represent just one carrier.
We work with hundreds of insurance carriers across the country, giving us the flexibility to find the plan that best fits your needs—not the one a single company wants to sell you.
I don't work for the insurance companies. I work for you.
As independent brokerage, our loyalty is to you, our clients.
Life changes. You get married. You have children. You change jobs. You're prescribed new medications. Unexpected diagnoses happen.
As your life changes, we'll help make sure your insurance changes with it.
Our relationship doesn't end after enrollment. That's when it begins.
“We Will Never Share or Sell Your Personal Information”
Many insurance websites are designed to make shopping confusing for one simple reason: they want your contact information.
They intentionally make plan details and pricing difficult to find, hoping you'll become frustrated and submit a request for more information.
Once they have your name, phone number, and email address, that information is often sold as a lead to hundreds of insurance companies and agencies.
That's why you can fill out one form and suddenly receive hundreds of phone calls.
Your personal information has become a multibillion-dollar business.
I've been on the receiving end of those calls myself, and I know how frustrating they are.
That's why we do things differently.
Semper Insured will never cold call you, and we will never share or sell your personal information. Ever.
"Always Faithfully Serving..."
Semper Insured isn't just a name—it's a promise.
The Marine Corps motto, Semper Fidelis, means "Always Faithful." Those words have guided me throughout my life, and they're the foundation on which I built this company.
Our commitment to you doesn't end once your policy is in place.
If you have questions, billing issues, claims problems, or simply need guidance, we're here to help. We're not a giant call center, and you'll never spend hours on hold trying to reach someone who doesn't know your situation.
Every client has access to our entire team, and every client receives my personal cell phone number.
If there's ever a problem we can't solve immediately, we won't leave you to figure it out on your own. We'll work with you every step of the way until it's resolved.
Because that's what "Always Faithful" means to us.
Help is always just a phone call, text, or email away.