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We have been serving Colorado since 1999.

The insurance company will pay us a commission only when we write a policy that is issued and the policyholder designates us as the broker of record.

No, we work for our clients and represent those clients by offering the products, rates and benefits from many different insurance companies to get the best rates and coverages.

We offer many lines of insurance including health, life, business, dental, vision, accident, Medicare, Long-term care, and disability.  Additionally we offer investment advisory services and financial planning.

We are licensed in Colorado and located in Longmont, but our service area includes Arvada, Lakewood, Denver, Boulder, Wheat ridge, Golden, Broomfield, Westminster, Lafayette, Louisville, Thornton, Northglenn, Brighton, Aurora, Commerce City, Englewood, Littleton, Parker, Morrison, Evergreen, Loveland, Fort Collins, and throughout Colorado.

A captive agent works for, and represents one insurance company. They can only quote the rates and benefits from their company. An independent broker can quote the rates and benefits from many different insurers to find the best coverage at the best price.

We do not charge any fees and your rates will not be any higher than if you buy directly from the insurers.

Our proposal system provides rates and benefits on all carriers selling group health insurance in Colorado including: Anthem Blue Cross Blue Shield Humana United Health Care Kaiser Permanente Rocky Mountain Health Plans v Get the following benefits: Reduce Costs and the best coverage for your dollar Experience greater retention of your best people Attract high quality employees

Yes, many of our products can be quoted and enrolled online. However, we also offer the service of a real life broker at no additional cost. Surveys show that although many consumers enjoy doing their homework online, when it comes time to purchase, they want to deal with a local, knowledgeable agent or broker.