Final Expense Agent, J. Ruth Hegwood-Mills

Final Expense Agent, J. Ruth Hegwood-Mills Insurance agent/educator specializing in funeral funding and planning. Licensed in AR & TN Hi there! I’m Ruth!

I represent The Higgins Agency holding a Final Expense and Life Insurance Producer license in Arkansas and Tennessee. I became interested in this business after my father passed - I wouldn’t wish what I had to go through on anyone. After his passing, I began helping friends and other family members after their loved ones passed by helping to alleviate the stress. I know all too well how stressful

handling the business of a funeral can be. Therefore, I am committed to educating and helping my clients achieve their final wishes. With proper planning, I want to make sure your family’s financial security is fully protected. I will happily sit down and listen to your concerns to gain a complete understanding so I can provide you with the right insurance solution for your needs. Outside of work, I enjoy working out, spending time with family and friends, and exploring new places. With a background in public school education and business administration, I bring varied experiences to the industry. When I talk with you about plan options, I put it in real-life terms based on your circumstances to find the right fit and value for you.

Honoring the brave this Memorial Day.  I’m truly grateful to help families find financial peace of mind. If you or someo...
05/25/2026

Honoring the brave this Memorial Day. I’m truly grateful to help families find financial peace of mind.
If you or someone you know has questions about final expense protection, or just needs to update an existing policy, reach out or pass my name along!

Have a safe and blessed holiday!

A difficult question today saves a lot of heartache tomorrow.
05/19/2026

A difficult question today saves a lot of heartache tomorrow.

No medical exam required. DM me for a quick quote!
05/04/2026

No medical exam required. DM me for a quick quote!

Need coverage or know someone who does?  Let's talk!
04/08/2026

Need coverage or know someone who does? Let's talk!

Wishing you and your family a safe, happy, and peaceful Easter! May your day be filled with joy and all the hope this se...
04/05/2026

Wishing you and your family a safe, happy, and peaceful Easter! May your day be filled with joy and all the hope this season brings.

03/11/2026

The show may be over, but the conversation is just beginning. Since these topics can be heavy, here's a post-show replay to digest the info on your own time.

Death is hard. Planning shouldn’t be. 🎙️Join us tomorrow morning on KLEK 102.5 FM  at 9:00 a.m. for a special episode of...
03/10/2026

Death is hard. Planning shouldn’t be. 🎙️

Join us tomorrow morning on KLEK 102.5 FM at 9:00 a.m. for a special episode of "Let's Get Personal." We’re talking about the intersection of hospice, family dynamics, and the "Truth" about Final Expense insurance.

We’re covering 1questionsevery family needs to hear—including how to start planning even if your parents won't talk about it.

Join the conversation:
🗓️ TOMORROW
⏰ 9:00 a.m.

Let's make adulting a little easier.
03/03/2026

Let's make adulting a little easier.

We don't just provide a check; we provide a plan. Ask me how I help families handle funeral details so they can focus on...
02/28/2026

We don't just provide a check; we provide a plan. Ask me how I help families handle funeral details so they can focus on grieving, not paperwork.

You insure your car, your house, and even your phone. Isn't your family’s peace of mind worth more than a screen protect...
02/25/2026

You insure your car, your house, and even your phone. Isn't your family’s peace of mind worth more than a screen protector? 📱

Address

AR & TN
Memphis, TN

Telephone

+19016101302

Website

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