About Us

Why Us?

We Offer Insurance Products And Services Fitting Customers In All Life Stages, Needs, And Budget.

We Virtually Shop Thousands Of Plans With Hundreds Of Carriers, Finding Customers The Right Plan At The Right Price.

100% Best Rate, And Satisfaction Guarantee.

 

Putting Customers First

You and your family's health are especially important. Not having the right insurance can cause a financial disaster and an insufficient level of care. Only at HealthCare Affairs, we shop all available options finding you the best plan based on your needs and budget. Most brokers, including the big-name publicly traded companies, will sell plans where they make the most commission. We do not conduct business that way; we will help you, even if it means sending the business elsewhere.   

We, at HealthCare Affairs, will obtain the right plan for you regardless we get paid or not. After the Affordable Care Act (ACA) / Obamacare, due to the insurance carriers' heavy losses, they have virtually wiped out commissions for brokers. However, we still have helped thousands of customers with ACA, as well as state Medicaid. That's because we believe in doing the right thing.  

Insurance rates are fixed by law, meaning you WILL NOT find a better price elsewhere. Since we work for you and not the insurance companies, we do all the shopping saving you valuable time, money, and hassle. In most cases (based on state regulations), we do all the paperwork, the enrollment process and send the policy out to you. So, you have nothing to lose and everything to gain. Best of all our services are completely free. We have been ins business for over 7 years and have assisted thousands of families. 

 

We have 5-star ratings on Google and Facebook. 


Call Us Today
(720) 744-0065

My Personal Story

I Ricky Rakib (Principal Broker, Licensed Agent), held senior-level positions with industry-leading F100 companies. You can look me up / connect on LinkedIn

 

In 2012, my father (68 at that time, currently deceased) was having severe issues with his Medicare insurance company. He had lots of health issues and was taking expensive medications not fully covered by the insurance plan. He was paying over $2,000/month on healthcare and prescription drugs, and being on the limited income, he couldn't afford that cost and depended on family to help him. In 2013, he had his 2nd heart attack, and like most families, I move in with him to help. I took charge of his affairs and started shopping for better insurance coverage. When I called all the prominent carriers, they only informed me about their products, not my father's best. When I called the brokers, they tried to sell me junk policies. They wanted to sell me where they made the most money, not what was best for my father. So, I decided to get licensed and help others with insurance with their best interest in mind. 

Thank You,  

Ricky Rakib  

 

We Are Here for You

Insurance rates are fixed by law, and our services are completely FREE. By utilizing our free service, customers get our expert, unbiased recommendations and guidance. 

Over 95% of our book of business comes from repeat customers, and most of our new business comes from customer referrals. 
 

We are a Green Organization; we recycle as much as possible, purchase renewable energy from the local power company, and utilize power and water conservation methods.

Our Mission

  • Provide the Best Product and Service Based on Customer Needs and Budget. 

  • Doing Right by Our Customers. 

  • Provide World Class Customer Service. 

  • Treat Every Customer with Respect, Dignity, Kindness, and Professionalism. 

Life Insurance, Colorado

Charity

We support local and national charities like Feeding America, The American Society for the Prevention of Cruelty to Animals (ASPCA), Feed the Children, and other local organizations. 

Employment Opportunities

WE ARE HIRING REMOTE AGENTS! Visit our  Employment Page.

 

Licensing

We service the following states:

Alabama, Arizona, Colorado, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Maine, Michigan, New Mexico, North Carolina, Ohio, South Carolina, Tennessee, Texas, Utah, Virginia, & Wisconsin.

Health, Life, Medicare, and Small Business Insurance products in the local Colorado market: Denver, Colorado Springs, Boulder, Aspen, Fort Collins, Aurora, Breckenridge, Pueblo, Vail, Grand Junction, Durango, Estes Park, Loveland, Telluride, Littleton, Colorado City, Castle Park, Greeley, Longmont, Lakewood, Steamboat Springs, Glenwood Springs, Winter Park, Golden, Parker, Arvada, Centennial, Thornton, Broomfield, Westminister, Englewood, Keystone, Highland Ranch, Commerce City, and all Colorado counties.

Management

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Ricky Rakib

Principal (License # 15813916)

T: (720) 744-0075 T: 1-844-744-0065 Ext 101

E: ricky@itrustfin.com 

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Shelina Trujillo

Sr. Attorney

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Contact Us

HealthCare Affairs 

15047 Clayton St, Thornton, CO 80602
T: 1 (720) 744-0065 E: ricky@itrustfin.com 

 

IF YOU ARE HAVING A MEDICAL EMERGENCY, PLEASE CALL 911 FOR HELP. 

Thank You & Take Care.