Health, Life, & Medicare Insurance Made Affordable


What We Offer

Having the Right Coverage Is the Key to Avoiding Financial Disaster, and It’s Attainable Through Our Expert Insurance Services. 


For Over 7 Years, We Have Helped Thousands of Families Avoid Financial Disasters by Offering the Right Health, Medicare, And Life Insurance.


Our Secured Retirement Income Annuities Offer the Highest Paying Annuities in The Nation.

We Make Obtaining the Right Coverage at The Right Price, Easy!


Why Choose Us?

Based on Your Needs, We Shop All Available Options to Find You the Right Plan at The Right Price. Insurance Rates Are Fixed by Law; Meaning, You WILL NOT Find a Better Price Elsewhere.


Our Services Are Completely FREE. 


Our Business Model Is “Doing Right by Clients” – Meaning, We Will Help You Obtain the Right Coverage, Even If It Means Sending Your Business Elsewhere. We Take Your Wellbeing Seriously.

Best Rate and Satisfaction Guaranteed.

Our Process

3 Simple Steps


Evaluate Your Needs

Our process starts with having a candid conversation with you. Then, we explore your needs and situation. Finally, we will conduct a complete analysis of your healthcare situation and share the results with you, outlining the potential gaps and risks.  


Customized Quote

Based on your unique needs and situation, we will shop all available options to find you a customized solution. We will explain the details in simple understanding terms.


Obtain Coverage

We will complete the enrollment and send the policy out to you based on your final selection. We conduct regular follow-ups to ensure your satisfaction.

134 + Carriers with Over 14,000 Plans



Happy Customers

As a family-owned small business, We Value Our Clients; your well-being is our # 1 Priority.

As an Independent Broker, We Do Not Work for The Insurance Companies; We Work for You.


We Shop All Available Options, Finding You the Best Plan at The Best Price.

If We Do Not Have the Right Plan, We Will Gladly Point You in The Right Direction, Even If It Means Sending the Business Elsewhere.

3,000 +








Young Family

“I am a refugee from Iraq in Spokane WA area. I didn’t know how to get insurance and my English is bad. I couldn’t find anyone to help me. I had a translator speak with Ricky and he was kind and helped me get coverage through Washington Apple Plan (Medicaid). Ricky told me he doesn’t get paid for Medicaid, but he would still help me. When he asked me to write something nice for him, I asked my co-worker to write an email for Ricky.

B. Polus – Spokane, WA.

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Free Online Quote


DISCLAIMER: By submitting your information you agree that a licensed agent may contact you at the above-listed email or phone number. I understand that consent is NOT a condition of purchase.

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Guaranteed Retirement Income and Investment

Are You 100% Sure You'll Have a Great Retirement, Or Do You Have Some Doubt?

We Carry the Best (A-Rated) Annuity Companies with The Highest Paying Annuity Rates in the US for 2022.

Our highly experienced licensed financial advisors will assist you in determining your retirement needs and goals; customize the best annuity plans that offer guaranteed lifetime tax-free income. 

We remain a leading trusted annuity provider in 2022 with the highest guaranteed return on your investment. In addition, based on your situation, we can customize your annuity plans with optional riders such as long-term care, living benefits, and many other options to fill the gaps in your potential retirement risks.

We offer annuity products locally in Colorado (all counties).

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Debt Free Program

Become Debt Free In 9 Years or Less Without Spending Any More Money Than You Are Right Now.

With smart insurance contracts, we can show your how to be ultimately debt-free in 9 years or less. Pay off your mortgage, consumer debts, student loans, and start building up retirement income. It's a no-brainer. Let us show you how to put your ineffective dollars to work. Make your dollars work twice. Wealthy folks have been doing it for years. Now it's available to folks like us.

We offer our Debt Free Program nationally and in the local Colorado market (all counties). Plan qualification, requirement, restrictions apply. Please speak with a licensed agent for details.