Frequently Asked Questions (FAQ)

This is where you can get answers the most common questions you might have.  We do our best to have the answers you need right at hand.  Still have questions?  At the end you can ask more.


DO YOU CHARGE FEES FOR YOUR SERVICES?

Absolutely Not!! We do not charge any fees and your premiums will not be any higher than if you buy directly from the Insurance Company.


HOW DO YOU GET COMPENSATED?

The Insurance Company pays us a commission; only when we write a policy that is issued and the policyholder designates us as the broker of record.  The commission has not affect on your premium


DO YOU WORK FOR THE INSURANCE COMPANIES?

Though our owner spent many years working for different Insurance Companies and he knows how they work inside and out, we do not work for the insurance company.  We we work for you, our clients. We do that by offering the right Insurance products, with the most competitive rates and most important with the right benefits that cover your needs.  We do that by offering many different Insurance Companies, not just one.


HOW MANY INSURANCE COMPANIES DO YOU REPRESENT??

We have access to dozens of Insurance Companies that cover the various types of Insurance coverage we offer.  It is not always the number of companies an Insurance Agency is contracted with; what matters most is if the Agency represents the right Insurance Companies.  Do they represent Insurance Companies known to have a long history of paying claims, that has been in business long enough to have a strong reputation, and one that is both financial secure and rated high with organizations like AM Best, Standard's & Poor, and Moody's.   We working with those Insurance Companies; they offer the appropriate coverage for our clients with the right price.


WHAT TYPES (LINES) OF INSURANCE DO YOU OFFER?

We offer Insurance coverage for the following categories: Medicare, Final Expense, Life, Dental, Vision, Hospital Plans, Cancer Plans, Short-Term Care, Disability, and more.


WHAT IS YOUR SERVICE AREA?

We are licensed in many states, our main focus is Colorado.  We are based in Aurora but our service area includes Arvada, AuroraLakewood, Denver, Boulder, Wheat Ridge, Golden, Broomfield, Westminster, Lafayette, Louisville, Longmont, Thornton, Northglenn, Brighton, Commerce City, Englewood, Englewood, Parker, Morrison, Evergreen and throughout Colorado


HOW LONG HAVE YOU BEEN IN BUSINESS?

Our Agency was founded in 2016; however our founder/owner began in the Insurance business in 2005 and has not only worked as an Insurance Broker but as a Manager for several of the biggest Insurance Companies in the country.


DO YOU PROVIDE ONLINE QUOTES?

We do; however to get the most accurate plan choice it is better to create a personalized quote from one of our licensed and local agents. You can request quotes HERE


WHAT IS THE DIFFERENCE BETWEEN YOU, AN INDEPENDENT BROKER, AND A CAPTIVE AGENT?

A captive agent works for, and represents one insurance company. They can only quote the rates and benefits from their company. An Independent Broker, like the Agents of Healthy Colorado Insurance, can quote the rates and benefits from many different insurance Companies.  That allows us to find the right coverage at the right price for our clients, irregardless of company allegiance.


WHAT MAKES YOUR AGENCY DIFFERENT?

We have a unique position of having an owner who worked for 2 of the Top 3 Insurance companies (as rated by Fortune Magazine) in the country as a Manager.  His knowledge and experience is unmatched in the state.  That provides us with a knowledge of how to navigate the insurance industry on behalf of our clients better than anyone else.  Our owner is fond of saying "We are bi-lingual, We speak English and Insurance".  That means we can translate the confusing language of insurance and put it in to simple terms.  

Still have questions

Drop us a line today and let us know what we can do to help you.