Rogue Association of Insurance and Financial Advisors. RAIFA is the local chapter of America's premiere professional organization of men and women whose careers fully embrace the service fields of Insurance and Financial Planning and Investments. Members subscribe to a Code of Ethics for the protection and well-being of consumers in these important fields of activity. Advice and leadership exist from the simple purchase of car or home insurance, to family protection, to the accumulation of an estate, retirement benefits [including 401(k), IRA, and other programs] and the preservation of that estate through estate planning which would include Long Term Care protection, the use of the marital deduction, Family Trusts, etal, to minimize Estate Taxation.

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The history of this professional non-profit organization known today as RAIFA, which stems in part from its beautiful Rogue Valley location, actually began in 1890 with the founding of the NALU (National Association of Life Underwriters).

Its mission: to improve the business environment, enhance the professional skill and promote the ethical conduct of agents and others engaged in insurance and related financial services who assist the public in achieving financial security and independence.

The State chapter for Oregon, officed in Portland, was founded on January 8, 1953 and was named OLUA (Oregon Life Underwriters Association). Our local Chapter was founded on January 8, 1932 as the RVALU (Rogue Valley Association of Life Underwriters).

These names changed in 1999 and 2000 to recognize the greater diversity of membership and therefore the breadth of the professional expertise provided by its members. NALU became NAIFA (National Association of Insurance and Financial Advisors) in September 1999; the State chapter OLUA became ORAIFA (Oregon Association of Insurance and Financial Advisors) in May 2000; and our own RVALU became RAIFA in May 1999. The mission is unchanged. The broader base of membership has simply enhanced the ability of its membership to meet today’s consumer needs for a much wider range of professional counsel in all fields of insurance and financial planning.

Our members and affiliates subscribe to the Code of Ethics adopted in
April 1986 by the NAIFA Board of Trustees:
Preamble: Those engaged in offering insurance and other related financial services occupy the unique position of liaison between the purchasers and the suppliers of insurance and closely related financial products. Inherent in this role is the combination of professional duty to the client and to the company, as well. Ethical balance is required to avoid any conflict between these two obligations. Therefore,

I believe it to be my responsibility:

To hold my profession in high esteem and strive to enhance its prestige.
To fulfill the needs of my clients to the best of my ability.
To maintain my clients’ confidences.
To render exemplary service to my clients and their beneficiaries.
To adhere to professional standards of conduct in helping my clients to protect insurable obligations and attain their financial security objectives.
To cooperate with others whose services are constructively related to meeting the needs of my clients.

To present accurately and honestly all facts essential to my clients’ decisions.
To perfect my skills and increase my knowledge through continuing education.
To conduct my business in such a way that my example might help raise the professional standards of those in my profession.
To keep informed with respect to applicable laws and regulations and to observe them in the practice of my profession.