I AM A FREE SERVICE TO YOU! In the insurance industry, an agent does NOT have the ability to change the price or premiums of the products (this is unlike the mortgage industry where a broker CAN change rates and fees). It all comes down to who you want to advise you to make sure you are getting the best policy for your and your family’s situation. I put my clients’ needs before my own and will only advise a policy that is best for them and that will put them in a better financial position. I am confident that I can help assess your situation to find you a plan that will meet your financial goals and needs! Again contact me at 303-818-4893 or email me at bretpadilla@me.com
Plans & Products Offered
Medicare & Health
I am a captive ICA Agent with UnitedHealthcare Medicare Solutions. If you are turning 65 and/or getting your Medicare benefits for the first time, I can help you assess all of your plan choices for:
- Medicare Advantage
- Medicare Advantage Special Needs Plans
- Medicare Supplement Insurance
- Medicare Part D Prescription Drug Plans
I’m confident my 13+ years of experience in the industry will be able to help you assess all of 
your needs moving forward.
If you need an individual health insurance policy, I can help you evaluate a variety of companies including every company on the Connect For Health CO marketplace, as well as OFF-EXCHANGE options, to make sure that you are finding one that is the cheapest premium and best coverage for your overall health needs. We can look at options with Anthem, Cigna, Bright Health, UnitedHealthcare Rocky Mountain Health, Oscar Health, Friday Health Plans etc.
Life & Final Expense
If you need final expense or a life insurance policy to protect your family from the burden of final expenses or the unfortunate financial burden of an unforeseen accident or illness, I can shop and assess a variety of companies to provide protection and income support when it is most needed. Also, many universal life insurance options can provide tax free, cash value income for retirement and other expenses as you get older.
Annuities
If you have money that you are saving for retirement, you want to earn a good return on it. But if you DON’T want to expose it to the ups and downs of stock market volatility, then we should talk about your annuity options. Annuities can offer a variety of structures to provide guaranteed, lifetime income, and they can offer returns on your money with NO downside risk and FULL protection of your principal. Everyone who is close to or in retirement should be focused on fully protecting the income that they’ve saved over their lifetime, and limiting it from market losses and volatility, while still earning good returns. Call me today to find out also how you can get an immediate 10% bonus on the money that you roll into an annuity!
If you need help in assessing any of these options for you, your friends, or family. Call or email me and I can help you fully determine which options are right for you and will provide you the greatest financial benefits!