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Our Service Guarantee to Our Clients
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Group Health Insurance / Employee Benefits
Roper Insurance & Financial Services provides its business clients with a wide range of employee benefits products and consulting services. Each client's specific goals and objectives are used to formulate an employee benefits package that enhances the company's ability to attract and retain its employees. In addition to the traditional employee benefits, we also bring creative solutions and products to solve your unique challenges.
Our skilled team of Benefit Experts will work with you and all the major
insurance carriers in Colorado to design and orchestrate 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, from Health Savings Accounts to Flex Spending Accounts
to Health Reimbursement Accounts. With your input we can design and build
a plan that meets your needs and budget.
We are an independent agent, and we present all the major health carriers in Colorado. These include Anthem Blue Cross, United Healthcare, Pacificare, Kaiser, Humana, Great West, Rocky Mountain Healthcare, and Aetna. We are among the top 2% of insurance producers nationwide with some of the carriers. We have working relationships with each carrier, and we use these as a resource to help our clients.
We have put together a comprehensive spreadsheet that can be completed in a matter of minutes for groups up to 10 employees. This spreadsheet makes it easy to compare plans side-by-side and make the best choice for your group. Our primary goal is to educate our clients about insurance in order to allow them to understand the plans and make the best choice for their company.
Our business clients receive an annual employee benefits analysis and review including recommendations for changes based on an employer's evolving business needs.
We work closely with employers to provide attractive and easy-to-read info about your plan, with specific information designed to increase employee awareness, understanding, and appreciation of their benefits package. Our agents conduct enrollment meetings designed to educate and motivate your employees to participate in and take advantage of the benefits you provide.
Our expertise does not end at the sale unlike most of our competitors. Quality customer service is our hallmark. In fact 75% of all our clients come from client referrals. All our clients receive our Customer Service Guarantee. Your company is up on a scheduled contact basis to serve and meet your needs. At three months before your renewal date we will advise you of the current industry trends and types of coverage's available. We will then bid your insurance on the market giving you all the choices and options you want, thus saving you time and money each and every year.
We help out with employee additions and terminations, COBRA and State Continuation questions, billing and claims issues, and general questions about how your insurance plan works. If your employees have questions, they're welcome to give us a call directly for an answer.
We can also write most supplemental insurance for your group, including group dental, life, disability, and vision plans. We research these to coordinate with the benefits offered by your health insurance plan and come up with the best value for the best price.
Every employer has a unique set of circumstances which dictate an employee benefits design. Some plans are designed to minimize employer expense while others may be designed to maximize employee satisfaction. We're here to help you find the right balance for your company.
You will love our service. We are constantly getting letters of praise for our caring concerned staff and how they have helped our clients. To view portions of some of these letters, click here. You will never go wrong if you make the decision to use Roper Insurance & Financial Services.
Colorado
Individual Health Insurance
We guide our clients through the confusing choices in life, health, and income protection plans. Creative, cost-effective products from top-rated carriers provide security for you and those you care about. For most individuals, health insurance is a primary concern.
Fellow Colorado residents, make your life easier -- click on our instant quotes now and you will have instant access to all the top health insurance companies quoted in Colorado. As an independent agent, we represent Anthem Blue Cross, Kaiser, Pacificare, Golden Rule, Humana, Assurant, World, Imerica, US Health Group and many more.
Each carrier is different in what they will cover and what conditions they will accept. It's critical to discuss your pre-existing conditions and potential future requirements with one of our sales representatives in order for us to guide you to the best plan for your situation. While we can't guarantee what each underwriter will do, our 20 years of experience is pretty useful in making predictions.
Many of the carriers are now offering online applications as well as paper applications. You generally get a much faster response to your application with the online application -- on some plans we can get an approval in as little as 10 minutes if there are no health issues.
Most individual underwriting takes 2-4 weeks once all requested information has been submitted. We are one of the top individual health insurance agencies in Colorado and are here to help you after you get your insurance! We have been helping our clients for over 20 years to navigate the wild waters of the Colorado health insurance market! If you would rather have information mailed or emailed, we'd be happy to do that as well.
We can also prepare a spreadsheet with rates and brief plan information to help you compare the plans side-by-side. We can walk you through different scenarios and how much the healthcare would cost you in those situations and on different health plans. We welcome your questions, whether you are a previous health insurance salesman or a recent high school graduate entering the job market with absolutely no knowledge of health insurance.
We are always ready to help you. Our Clients love us and so will you! We get over 75% of our new business by referrals from our wildly loyal satisfied clients. Come join our Colorado insurance family today. Stop on by and see us.
Annuities
Do you want a guarantee on the money you worked so hard to get?
Annuities can be set up to provide a guaranteed income from retirement
to death, whether you live to age 60 or 120. They can also provide
income for a child's college education. Call us today for more information
and current rates.
Life
Insurance
Life insurance is critical these days to protect your loved ones in the
event something should happen to you. With most families surviving
on two incomes, the loss of either one of those incomes could mean severe
hardship for the surviving spouse. Burial costs alone commonly run
in the $10,000 range, and the cost of a college education is rapidly approaching
six figures even at state-run colleges.
With our expert experience and our ability to instantly quote you over 200 life insurance companies, we can find the right life insurance product to meet your needs from Term Life Insurance to any type of Cash Value Life Insurance. Use our online life quotes or please call our friendly experienced office with your questions. Term life insurance is the least expensive, but the coverage is for a limited period of time -- from 5 to 30 years, generally. While most plans offer some type of conversion to a whole life policy, it usually makes economic sense to rewrite the insurance in another term policy.
Most life insurance plans will require a simple paramed exam including blood and urine specimens. The examiner will come to your home or office for about 20 minutes to complete the exam at your convenience.
We also do buy/sell agreements and key-man life policies for groups. These are critical for partnerships to allow them to buy out a partner's spouse if something should happen, or to insure that the company can stay afloat if they lost a key employee -- the project manager on a particular account, for example.
Life insurance rates are at an all-time low. If your current life insurance was purchased more than 4 years ago, we can probably find you better rates. Whether you need to rewrite your current coverage or buy new coverage to protect your family, we are always happy to help!
Estate
Planning
As the Colorado Life Insurance Expert we work with your team of CPA's
and Attorneys to make sure that your Estate Plan is followed and that
your money goes to who you want it to go to, when you want it to go to
them. We guarantee that your Estate is protected from the ravages of taxation
which destroys 8 of 10 estates due to improper planning. If you do not
already have a team of CPA's or Attorneys we would be happy to give you
some referrals you would be happy with. Most estates are lost in tax flames,
so don't let this happen to you. Call us today and set up a time that
we can visit. You have nothing to lose and everything to gain.
Retirement
Planning (Individual or Group Benefits)
Life flies by so quickly, we come to the end of the road and we find it
is a new beginning. By setting aside money today, we can guarantee our
tomorrow's success. We can help you design a plan that will work with
your budget, save your tax dollars and that will maximize your future
benefit. Call us today for a free review of your current plan.
Disability
Insurance
What would happen if you cannot earn an income? One out of three Colorado
residents will be faced with this dilemma at one time in their life. If
you work with Roper Insurance & Financial Services we can make sure
that this will never be a problem for you. We can design an affordable
plan to help protect and secure your income if you should ever become
disabled.
You can generally buy insurance to cover up to 60% of your current income. Any social security benefit would be included in the 60%. Rates vary depending on your occupation and the odds of being disabled. Most disability plans also require a paramed exam, scheduled at your convenience.
Call us today -- you never know what tomorrow will bring.
Short
Term Temporary Health Insurance
Need coverage now? Click on apply
now and apply on-line today and get covered tomorrow. Very easy short
application to fill out. If you don't want to do this on line call our
friendly office who would love to help get you the coverage you need.
International Medical
Insurance
Planning a trip out of the U.S. or is someone coming here from another country?
You need international
medical coverage. Almost all normal health insurance plans fail
to provide medical coverage on international travel. It is an unfortunate
surprise that some travelers experience.
Apply on line now. Don't jeopardize your financial future on uncovered
international medical expenses. Call or email us with your questions
or apply on line for your coverage today.
Long Term
Care
One in three Colorado residents will end up in a nursing home. How will
you pay for these huge costs in the future? A Long Term Care policy is
designed to pay for coverage in the comfort of your own home or if you
have to go into nursing home care. Our people care about setting up a
plan that is right for you. We like to educate our clients and show you
all the options of which plan would be right for you. Let us stop by and
introduce to you the easy choices today so you don't have to make hard
choices tomorrow.
Group
Dental Insurance
Group Dental Insurance is the second most requested benefit behind health
insurance, and many companies don't offer it because they think it is
too expensive. We can design a plan that will fit your budget and make
your employees happy. Call us today for a review of what we can do for
you.
Work
Site Products
Over the last year all the growth in employee benefit plans has been on
the work site marketing. These plans offer your employees the choice
of what benefit is right for them -- everything from extra life insurance
or disability insurance to cancer protection. These plans are offered
via payroll deduction and can either be paid by your company or by the
employee (which costs the company nothing and creates extreme good will
to the company). We represent all companies in this market from
AFLAC, Allstate and Colonial to Zurich. Call us and let us design
a plan for your company to increase employee loyalty.
Here are a few of the major carriers we represent.
| Aetna US Healthcare Ameritus Anthem Assurant Health/Fortis Banner Life Delta Dental First
Colony/GE Great West Humana |
PacifiCare Sloans Lake |
