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We are expertly trained in a broad range of life and health
Why Choose Us
We are passionate about guiding our clients as they transition from their working years into retirement life. We believe that by empowering them with the knowledge to make intelligent decisions about their future financial challenges and their health care needs, they will be better prepared to sustain the health and quality of a life we all long for. 

Our focus is on building long lasting, solid relationships and we know Trust is key. We are committed to earning that Trust.

We focus on Medicare, Health, Life, Recovery Care and Supplemental-Cancer/Critical Illness Plans. We know trust is built on our willingness to provide the best service and assistance for our clients.

We receive great joy in knowing our services make a difference in someone’s life, if only by providing them with the resources they seek for critical health care concerns.
By helping our clients develop a better understanding of the government health programs and the many options available to them today through private insurance plans, we know they will be well informed and prepared for the changes that are inevitable in today’s economic times.
Medicare is health insurance for the following:
  • People 65 or older 
  • People under 65 with certain disabilities 
  • People of any age with End-Stage Renal Disease (ESRD) (permanent kidney failure requiring dialysis or a kidney transplant)
Medicare Part A (Hospital Insurance)
  • Helps cover inpatient care in hospitals, skilled nursing facilities, hospice, and home health care.
  • Most people don’t have to pay a premium for Medicare Part A because they or a spouse paid Medicare taxes while working in the United States.
  • If you don’t automatically get premium-free Part A, you may still be able to enroll, and pay a premium.
Medicare Part B (Medical Insurance)
  • Helps cover doctors’ and other health care providers’ services, outpatient care, durable medical equipment, and home health care.
  • Helps cover some preventive services.
  • Most people pay up to the standard monthly Medicare Part B premium.

Note: Medicare does not pay 100% of costs. You may want to get coverage that fills gaps in Original Medicare coverage. You can choose to buy a Medicare Supplement Insurance (Medigap) policy from a private company.

Medicare Part C (Medicare Advantage Plans)
  • Offers health plan options run by Medicare-approved private insurance companies. 
  • Medicare Advantage Plans are a way to get the benefits and services covered under Part A and Part B.
  • Most Medicare Advantage Plans cover Medicare prescription drug coverage (Part D).
  • Some Medicare Advantage Plans may include extra benefits for an extra cost.
Medicare Part D (Prescription Drug Coverage)
  • Helps cover the cost of prescription drugs
  • May help lower your prescription drug costs and help protect against higher costs
  • Run by Medicare-approved private insurance companies
  • Costs and benefits vary by plan
Essential Health Benefit Package Requirements
What is the essential health benefit package?

1) Provides for the essential health benefits 

2) Limits cost-sharing 

3) Provides either the bronze, silver, gold, or platinum levels of coverage (also known as the metal levels of coverage)

Plans are required to include the essential health benefit package as part of the mandate to provide comprehensive coverage. This requirement applies to plans offered on or off of the exchange.

The new Affordable Care Act dictates the following categories of essential health benefits to be included in every new qualified health plan:

1. Ambulatory patient services

2. Emergency services

3. Hospitalization

4. Maternity and newborn care

5. Mental health and substance abuse services

6. Prescription drugs

7. Rehabilitative and habilitative services and devices

8. Laboratory services

9. Preventive and wellness services and chronic disease management

10.Pediatric services (including oral and vision care)

Life Insurance

Life insurance is available in a number of different forms from several companies. Each company has financial representatives who help customers select the best insurance products for their needs. Some of the typical forms of life insurance policies include: whole life, variable life and term life.

Whole life:  is a life insurance policy that remains in force for the insured’s whole life and requires (in most cases) premiums to be paid every year into the policy.  A whole life policy sets a premium at the beginning of the policy and that premium does not change over the life of the policy. This form of insurance allows for a cash build-up during the insured’s life. This cash build-up can be used during the course of the policy or it will simply serve to increase the death benefit in the end.

Variable life: Variable life products begin with low premiums during the initial stages of the policy and these premiums increase steadily as the insured grows older. There should be a cash build-up as long as the various mutual funds selected by the insured perform well.

Term life: Term life policies have premiums that remain the same over the life of the policy, which typically ends when the insured reaches a specific age. There is no cash build-up in a term policy and, accordingly, the death benefit will not increase. Term life insurance coverage, however, can be relatively easy to comparison shop. It simply covers you in the event that you die before the end of the term for which you are covered. 

Buying insurance of any kind is often confusing. In order to compare policies by price, you have to be sure that each policy carries the same benefits for the same amount, and figure in a dozen different factors. It’s enough to set your head spinning in most cases.

How Term Life Insurance Works

Term life insurance will pay out a specified lump sum to the person that you name as beneficiary in the event that you die before the policy expires. The payout is subject to a few exclusions, most often suicide or other self-inflicted conditions.
Other than deciding if you want guaranteed or renewable premiums, there’s no need to worry about other bells and whistles, so comparing policies is a simple matter of comparing premiums among the various life insurance providers.

What Factors Are Considered in Assigning a Premium?

There are a number of factors that may affect how much you pay for your policy aside from the amount of the death benefit you choose. These include your age, your gender, the state of your health and any pre-existing conditions, and whether or not you smoke. Smokers can expect to pay higher premiums than those who don’t use tobacco products.

Tips to Help You Save Money on Life Insurance

  • Only buy what you need
  • Get the most appropriate cover for a mortgage
How Much Coverage Do You Need?

The biggest decision you’ll face is how much life coverage you need. The general rule of thumb is that, at a bare minimum, you should provide at least enough to pay off your outstanding debts and cover your funeral expenses. The face value of your policy should cover any remainder on your mortgage and other debts, and provide a cushion to help your family get back on their feet financially after your death. If you have young children, you should also cover your expected annual salary multiplied by the number of years until the youngest is no longer financially dependent.

Why Should You Buy Life Insurance?

If you are the major breadwinner or a major contributor to family income, you should be insured. No one likes to imagine what will happen if they die, but it makes sound financial sense. Potentially, your life insurance benefit can mean the difference between your family keeping the home in which you live and losing it to debt if you are no longer able to provide for them. In general, if you are carrying a mortgage, you should carry at least enough insurance to cover the remaining mortgage so that your heirs aren’t left with an ongoing financial impact.

Office Hours by Appointment Only
2930 Austin Bluffs Pkwy. #202, Colorado Springs, CO 80918
PH: 719-439-1693
FX: 1-719-298-3222
Tollfree: 1-877-866-1791