Let's Work Together
An invitation for
Financial
Planners
Insurance
Agents
Benefits Consultants
Disability is an especially challenging line because
-
underwriting is demanding
-
contract language is complex, and
-
needs change with employment
To do it efficiently, it has to be done in volume. A few agents write disability, but only by limiting their offerings. Such compromises are unnecessary if you work with Rip Curtis, who offers the full spectrum of products
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 specific products is located 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 to his practice focus.
Your client won't get onto any marketing lists, so you maintain control.
If additional opportunities emerge, those will be referred back to you.
A Peer-to-Peer Model
Rip's place in the distribution system is client-facing, just like you. He is not a wholesaler, MGA, BGA, etc.
This independence opens up the field for many more carriers, including group programs.
Communication Your Way
Rip's client facing role is similar to yours, but if you prefer to preview likely options before making any introductions, just ask. It's fairly normal to discuss options anonymously.
Rip will keep you and your team in the loop at every stage.
Do you have clients with quirky communication preferences? Never available? Any peccadillos? Only respond by iMessage? Personalized concierge-style service is par for the course.
Licensed in all 50 states
Rip is licensed in all fifty (50) states and the District of Columbia.
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. For those who care, one of the most valuable bits of information is the explanation for whether an option is dismissed from consideration, and why.
There are additional deliverables depending on the situation, which can be extremely detailed for groups.
How to Get Started
The page to get started (Get Proposals) is at the top right of every page on this site.
From there, you or your client can schedule a call or fill out an intake form.
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.