How You Can Secure a Guaranteed Lifetime Income

April 26th, 2019

When planning for retirement, there’s one variable you can’t predict–how long you’ll live. Everybody wants to live a long, healthy life, but what happens if you outlive your retirement savings? It’s important to have a plan that will allow you to enjoy your retirement and not worry about running out of money.

Why Longevity Insurance?

Longevity insurance (sometimes called a deferred income annuity) is a plan that guarantees you’ll always have income in retirement, no matter how long you live. Investors typically purchase a longevity annuity near retirement age. After paying into the annuity, often in one lump sum, you wait until the payout date, then receive monthly payments for as long as you live. read more

Are You Prepared for the Short Term Plan Changes in Colorado in April?

March 22nd, 2019

In 2018, Colorado regulators began drafting new regulations for short-term health insurance plans. There was a hearing about the recommended rule changes in early December, and Colorado’s Insurance Commissioner approved the new regulations, which officially became law in January.

For those who may have short-term insurance plans, here are the changes that will take effect this April 2019:

Higher prices for young  adults read more

How to Find Less Expensive Alternatives to Traditional Health Insurance in Colorado

February 6th, 2019

Colorado, like other states, has thousands of working families who require regular doctor visits. A growing number of Coloradans are finding today’s health care costs are spiraling out of control, leaving them scrambling to find alternatives.

Based on the fear of rising costs, many are playing it safe career-wise as they work toward retirement. Did you know one out of 5 people aged 50 to 64 decided to stay in their current job rather than change jobs or retire just to keep their employer-provided health insurance? Some are taking part-time jobs just to pay for prescription costs, too. read more

New Year’s Resolution: Achieving Financial Security

January 13th, 2019

A Fidelity Investments survey estimates almost one-third of Americans will propose a money-related New Year’s resolution for 2019, with nearly half of them planning to save more, twenty-nine percent targeting their debt issue and fifteen percent making a goal to tighten their wallets.

If achieving financial security in 2019 is your New Year’s resolution, we’re with you. Let’s learn why financial security is important and how a unique 6-step program can get you there. read more

Why You Should Consider Switching to a Healthshare Plan This Open Enrollment

December 27th, 2018


In Colorado, unlike in most states, you still have until January 15 to decide on the best health care coverage for you, so there’s still time, but you shouldn’t put it off. Here are some reasons why you should consider switching to a health care sharing plan.

1. With traditional insurance, you must sign up within a very tight window.

There’s a month and a half period where consumers can purchase insurance. To sign up or change outside of open enrollment, you must qualify for a special enrollment period—such as getting a new job, getting married, etc. If you simply forgot to sign up or discover you don’t like your plan after all, then you have to wait a whole year. read more

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