Let's Work Together
An invitation for
Financial
Planners
Insurance
Agents
Benefits Consultants
As an industry professional, you know that disability is an under-appreciated line that is uniquely challenging because
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Underwriting is demanding
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Contract language is complex
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Distribution channels are segmented in a way that make it difficult to compile a broad spectrum of options
When it comes up, you may want to point your clients in the right direction; ideally, to a specialist that has all the options and won't sell your clients other stuff.
Rip Curtis
Offering the Full Spectrum of Products
Rip sells both group and individual programs, which is a rare combination due the way insurance distribution channels work. That helps your client get the best option for them, and if the case gets quirky (and they all are), the business can still get placed.
A catalogue of products is available in the sections For Individuals and For Businesses.
Your Clients Won't Be Sold Other Stuff
You are in control of what products and services are solicited to your clients, and when you work with Rip you can be confident that the scope will be limited.
Your client won't get onto any marketing lists.
Client-Facing
Rip's place in the distribution system is client-facing, just like you. He is not a wholesaler.
Team Communication
Rip will keep you and your team in the loop at every stage. He will communicate with your clients however they prefer, whether that's email, phone, text, or message platforms. The idea is to make communication responsive and easy.
Licensed in all 50 states
Rip is licensed in all fifty (50) states and the District of Columbia. That's important because quirky cases often call for an individual policy solution.
Review Existing Coverage
Clients that already have disability coverage - usually through work - may need a review. To get started, just fill out the Intake Form and have a PDF of the LTD certificate ready to upload.
Work Product
Several deliverables are involved in the process, beginning with a Market Search Report, the purpose of which is to document that all options in the marketplace have been exhausted. This deliverable defines the market and brings in potentially creative approaches.
Clients are not expected to read everything, but they like to know that the work has been done.
Testimonials
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
Principal
A Seattle-based Employee Benefits Consultancy
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
President
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.
K.S.
Benefits Supervisor
Edmonds, Washington
A Few Insurers
Availability is subject to underwriting and state approval.