Community Insurance Options

We are local. We are independent. We are a call away!


Community Insurance Options Explained

Our company was founded on the idea of helping those in need. Since our organization was established, we strive to provide help where the need is the greatest. We offer an array of products and services to ensure individuals and families have all of the options available to them. We offer no obligation quotes on our products and cost free education on products and services.

After decades working in the healthcare industry, we decided to open our organization to assist our clients how we would like our families to be treated. Our team members have numerous years of experience in healthcare, life insurance and various government assistance programs.

If you are confused about healthcare, we can help. We will explain all of our programs and educate you on the various products and companies we represent. We will give you the tools to become a well-informed and well-rounded agent. By using this knowledge, you will be able to provide your clients with the programs that best fits their needs. 

We are your local community insurance partners and we have options.


Community Insurance Options Explained

CIO is an agency that strives to help those in the community understand and maximize their insurance benefits. We offer and assist with multiple products and numerous carriers to ensure you get the plan that best fits your needs.

Whole Life Insurance

Permanent insurance designed to cover an individual’s life until death.


Supporting your ability to offer a quality vision plan to your clients’ needs and wants, while allowing the ability to choose from a variety of services.

Universal Life Insurance

Whether it's a tax planning, financial planning or estate planning scenario, we can help design the best solution for your clients' needs.

Term Life Insurance

Death benefit for a temporary need.

Medicare Supplement

Medicare Supplement, or Medigap, plans can help pay some of the health care costs that Original Medicare doesn’t cover.

Medicare Prescription (Part D)

Part D provides outpatient prescription drug coverage. Plans can be purchased on a standalone basis or drug coverage can be included in a Medicare Advantage plan.

Medicare Advantage

Medicare Advantage (MA) is another name for Medicare Part C. These types of plans are offered by private insurance companies approved by Medicare to provide Part A and Part B benefits. Many have provider networks.

Life Insurance

Whether it's a tax planning, financial planning or estate planning scenario, we can help design the best solution for your clients' needs.

Indexed Universal Life

Universal life product is permanent insurance that bases its interest performance on a particular index.

Hospital Indemnity

Accidents or serious illness can happen at any time and the high cost of hospitalization and related expenses can be overwhelming. A hospital indemnity plan pays you if a hospital stay is needed.

Guaranteed Universal Life

Guaranteed UL has a guaranteed premium and guaranteed death benefit.

Final Expense

Whole life insurance designed for seniors needing to cover certain expenses at death.

Dual Special Need Plans (D-SNP)

Even though D-SNPs are a Medicare Advantage plan, they have no set enrollment period. This makes D-SNPs a good way to increase sales outside of the Annual Enrollment Period.

Dental Vision and Hearing (DVH)

DVH plans cover preventive care like dental cleanings, procedures, glasses, contacts or hearing aids. The cost savings become obvious when you look at getting or replacing a hearing aid or getting dental care without coverage.


A majority of Americans over age 65 do not have dental insurance. Dental coverage offers reasonable rates to fit your clients’ budget along with comprehensive coverage for their oral health.

Walmart Retail Program

Participation in the Walmart Retail Program you have the opportunity to meet potential clients in a high-traffic area while representing the carriers of your choice.

Special Agent Programs

Get access to pre-approved client seminars, exclusive retail settings and provider groups, personalized dental quoting sites and more.

One-on-One Coaching

Custom sales coaching advice on the topics you desire to grow your skillset in.  

Medicare 101 Workshops

Compliance-approved content used to recruit and educate clients on the complex federal health insurance program.

Community Education

Clarify complex health issues and provide a better understanding to make insurance decisions easier for clients.

Agent Training

We offer training to help build skills so that you can build your business. Taking you from beginner to expert in your field.


Call us today to hear more.


Denver, Colorado




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