Our Services

Health Insurance: 

Individual Health Insurance:
We have many major insurance carriers available for your individual health insurance needs.  This product is available for those who medically qualify.  It is a great alternative for the self-employed or for employees who cannot afford their employers coverage either for themselves or their dependents.  The plan is portable and can therefore, be retained regardless of your employment status.  Give us a call to see if this product would work for you.

Group Health Insurance:
We will work with you and all the major insurance carriers in Colorado to lay out a plan that will help you increase benefits and reduce costs for your company. We can set you up with plans from the very simple Colorado Basic Plan to highly complex Self Funded Plans. Working side by side, we can design and build a plan that meets your needs and budget. Our ability does not end at the sale unlike most of our competitors. Customer service is our priority, in fact 85% of all our clients come from client referrals.

Life Insurance:     

Term Life:
Term life is insurance for a set period of time, 1- 30 years. The coverage should be level, the cost consistent. Not every company uses the same guidelines. At the end of the term period, the cost will go up substantially for the same amount of coverage. If you are lucky, you might be able to qualify for the same coverage, with a different company, for a higher cost. Term insurance is excellent to protect a home mortgage, large business obligation, guarantee a child's education if the parent/caregiver dies too soon. In other words, term life is for a finite period.

Whole Life:
Whole life is insurance that is designed to last for most, if not all of your life. The premiums are designed not to increase, the coverage remains the same and there is a cash value, which can be used for emergencies, collateral or to help supplement a future retirement income.  The coverage can increase when the cash value becomes large over many years of ownership. The cost is initially much higher than term insurance because part of every dollar paid goes to the future cash value of the policy. Whole life is great to protect a permanent insurance need such as a funeral, for old age, or to supplement a retirement income.  In the last 10 years, many people have lost sight of the need for whole life insurance because of investment returns, retirement plans and the like. Why not guarantee a portion of your life insurance to be as permanent as your family is? After all, it is a lasting legacy.  In almost all cases, a quality term insurance policy can be automatically changed to whole life insurance plan without qualifying all over again! 

Disability Insurance:
Disability insurance protects your income if you are disabled and unable to work.  If you are a homeowner, you automatically insure your property. Why? Because your mortgage company requires it. Yet, there is only a 1 in 10,000 chance of a total loss.  If you drive regularly, you insure your car as well. Again, the state and auto dealers require automobile insurance because most car owners finance their automobile purchases. Even though you're not required to, you've probably insured your life for at least a modest amount: You want to leave your family some financial security after you're gone. Yet, if you're like most people, you probably have no real plan to protect the one source that makes everything go - your income! Even though 1 out of every 8 people suffer a long term illness or injury prior to retirement. That means everything you're working for is at risk.

 Here are some hard facts about suffering a disability: 

• A corporation generally cannot pay an individual, regardless of the individual's position or standing in the company, for more than 90 days.
• You cannot borrow money from a lending institution when you are incapacitated.
• Friends or family cannot lend or give you money on an unlimited basis.
• The federal government will compensate you for a long term disability once you've been unable to work in any meaningful job for at least 5 months. In 70% of all cases, you will never qualify for government compensation.
• To qualify for state assistance, you would be required to give up all your real property and savings - a real change of your lifestyle.

The only real solution is to purchase, when you enjoy good health, disability income protection to receive a guaranteed, tax free income. 

I can plan your individual benefits based on your income with some or all of these features:

• Beginning dates of benefits as little as 30 days
• Guarantee of future option purchases - regardless of your health.
• Guarantee that coverage will never be canceled.

 Cost of living increase during a long term disability. 

Long-Term Care Insurance:
What exactly does this phrase mean?  Everyone has a different idea about this! It could mean, "going into a nursing home".  You might say "I want to stay at home and have my family take care of me" or "My children live far away - I can live independently in assisted living." Long term care insurance covers all these scenarios.

Key Person Insurance:
The death or disablement of a Key Person can have a serious impact on a business. Key Person protection can provide capital to the business if a key individual's input is lost to the business through disability or death.

Business Overhead Insurance:
Business overhead disability insurance protects your business.  As a business owner, business overhead disability insurance can be one of your most valuable assets.  In addition to protecting your personal income should you become disabled, as a business owner you have the additional burden of maintaining your business operations during a period of disability. Your business can be fully protected by overhead disability insurance.  Business overhead disability insurance, also known as business overhead expense (BOE) insurance, is only available to working owners of small business. Premiums paid for the BOE policy are fully tax deductible regardless of the type of business entity (sole proprietorship, partnership, S-Corporation, C-Corporation).  Traditional BOE plans have one thing in common: you pay premiums hoping you never use the policy, but you get none of the premium back if you don't use it. With a Surrender Value Benefit Rider on your BOE policy, you'll be refunded 100% of premiums paid at age 65 less claims paid.