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Meet Rip Curtis

Rip Curtis is a disability insurance broker licensed in all fifty (50) states.  Disability Underwriters is the business name under which Rip operates in Washington State.


Rip's insurance practice focuses on disability insurance in both group and individual forms.  Rip's twenty-six (26) years of experience and specialization allows him to navigate the additional underwriting demands and contract complexities unique to disability insurance. 

He is a Certified Employee Benefit Specialist (CEBS).

Rip grew up in Alaska where he learned the importance of self-reliance and a dependable back-up plan.  He graduated from the University of Washington with a major in finance in 1992.  Currently, he lives in Bellevue with his wife of 22 years (with no back-up plan) and two kids away in college.   In his leisure time he enjoys reading about social and political history, off-road motorcycling, fixing things around the house, and hanging out with friends.

Rip Curtis

Prompt personal attention


"I really like the independence that Rip brings. He was open to figuring out what made the most sense based on my goals and family situation. He presented a ton of options and left the door open to see what else I might need."

Jason U.

Engineering General Manager

An Individual Client

Redmond, WA

Rip builds strong relationships with a genuine interest in supporting both our employees and our firm. Rip is thorough and thoughtful. He answers tough questions, documents decisions, and keeps us on track. With many things competing for my attention I couldn't ask for a better partner. 

Karen Wren

Director of Benefits

Point B

A national management consulting firm

Rip is a deep thinker about contracts for disability and long term care. He thinks about the terms and provisions—what do they actually mean - and how they impact a person that has the products. He makes the conversation impactful by relating how features can impact claims.

Steve Bean



A Seattle-based Employee Benefits Consultancy

“Rip saved us more than half by knowing where to look and adding a group discount.  Good follow-up over the years.”

Jim Herd


Herd Freed Hartz

Executive Search Partners

Seattle, WA


From a client on claim

“Rip has been incredibly knowledgeable, supportive, and attentive during what otherwise is a very scary and sad experience. He is smart not only about his products, but the broader disability insurance landscape. This was invaluable since I was pretty unfamiliar with all the aspects I needed to know. I’d absolutely recommend working with Rip. You’re better off with him at your side!”

Erika G.

Marketing & Communications Strategist

Seattle, WA


“Our firm has done business with Rip for more than ten (10) years. He has always been responsive to any service issues and the Partners get a lot of value out of the individual attention he provides - walking them through what they have, reminding them what they have, and so forth. He checks in routinely and takes an interest in claims to make sure we’re taken care of both as a firm and individually.”

Lindsay R. Schaller

Business Manager

Oles Morrison Rinker & Baker

A Seattle law firm specializing in construction and government contracts


Mr. Curtis has a depth of knowledge of the market. He was very straightforward and presented many options that helped us to include a program that was cost effective for our firm.

Deborah D.

Business Manager

A Seattle law firm


It is so important to have someone who will competently and professionally represent you and your firm to your clients. It is rare that I can refer someone unreservedly to fulfill this need. But there is a gentleman in the Seattle area who I believe is the most knowledgeable specialist I have ever met in the LTCi industry.


I have personally worked with Rip on several substantial cases and know him to be a true professional who impressed me such that I must enthusiastically recommend him to any advisor who desires the best for their clients.

Gene Pastula


Westland Financial Services

San Diego, California

An insurance wholesale firm

We were very impressed with Rip’s presentation to our Directors and found him to know his product extremely well, therefore we knew he would be clear to our employees as well.  Once on board with the plan, Rip’s great organizational skills and attention to details enabled us to bring the plan to our employees without a hitch and within a short timeline.  School district folks are ultra-conservative and will back away from pressure to purchase products.  Rip presented the facts to employees in a concise manner and without any pressure to purchase coverage.  We experienced a higher participation than expected and I believe it was part due to Rip’s manner.  I would highly recommend Rip to your company and will be happy to talk further about our continued great service relationship we have with Rip.


Benefits Supervisor

Edmonds, Washington

Office Location

Privacy Practices

Contact Practices

You won't be contacted, except by invitation.  We do not use newsletters, email lists or any other form of mass communications.  You will not be added to any marketing lists.  

Information That May Be Requested

You may be asked for information related to finances, lifestyle, employment, occupation, birthdate, gender, citizenship, health and insurance history information necessary for gathering proposals on your behalf and to facilitate application with insurers.  You won't be asked for your Social Security Number or other unnecessary information to get a proposal.

Information Sharing Practices

Your information will not be disseminated to third parties.  You will remain anonymous to prospective insurers.

Information Security

We maintain physical, electronic, and procedural safeguards that comply with federal and state regulations to guard your personal information, including best practices in data storage and transmission security and document destruction. 

State Insurance License Numbers

Alabama 693034

Alaska 0109096

Arkansas 670169

Arizona 1034318

California 0B73499

Colorado 351718

Connecticut 2625242

Delaware 3000471370

District of Columbia 3000085210

Florida W004391

Georgia 3009530

Hawaii 486346

Idaho 292989

Illinois 670169

Indiana 3411220

Iowa 670169

Kansas 670169

Kentucky 1026779

Louisiana 727692

Maine PRN325152

Maryland 3000002183

Massachusetts 1932470

Montana 3000276492

Michigan 0721730

Minnesota 40519161

Mississippi 10594113

Missouri 8345962

Nebraska 0670169

Nevada 3157202

New Hampshire 670169

New Jersey 1576772

New Mexico 670169

New York 1484281

North Carolina 0670169

North Dakota 670169

Ohio 769705

Oklahoma 3000471388

Oregon 670169

Pennsylvania 847459

Rhode Island 3000471373

South Carolina 670169

South Dakota 40507150

Tennessee 2047645

Texas 1726888

Utah 483697

Vermont 3411471

Virginia 895401

Washington 118074

West Virginia 670169

Wisconsin 2635185

Wyoming 391239

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