Business Details
Your Trusted Insurance Partner in Fort Collins
Rocky Mountain Life Plus Insurance Services specializes in providing comprehensive insurance solutions for individuals, families, and businesses. With over 25 years of experience, our team focuses on educating clients and tailoring insurance plans to meet their unique needs. We prioritize long-term relationships, offering ongoing support through online, phone, and in-person consultations. Our expertise spans health, life, disability, and supplemental insurance, ensuring clients receive personalized guidance.As business owners ourselves, we understand the complexities of insurance and strive to simplify the process while maintaining transparency and trust. Our commitment to client satisfaction is reflected in our no-cost broker services and continuous assistance beyond policy purchase. Located in Fort Collins, Colorado, we serve clients across multiple states, combining local knowledge with national resources to protect our clients' health, loved ones, and income.
Services
Health Insurance
Life Insurance
Medicare Plans
Disability Insurance
Dental Insurance
Vision Insurance
Accident/Critical Illness
Travel Insurance
Highlights and features
- We offer 25+ years of specialized insurance expertise.
- Our team provides personalized support beyond policy purchase.
- No cost for broker servicespremiums remain unchanged.
- We maintain ongoing client relationships for continuous support.
- Available online, on the phone, and in-person for convenience.
Services
Health Insurance
Health insurance provides financial protection for medical expenses due to illness or injury. We simplify plan selection by explaining evolving regulations and matching policies to individual or family needs. Our no-cost brokerage service ensures premiums remain consistent while offering post-purchase support for claims or questions.
Medicare Plans
Medicare solutions help seniors and disabled individuals navigate Original Medicare (Parts A/B) and supplemental options like Advantage (Part C) or Prescription Drug Plans (Part D). We clarify coverage gaps, enrollment periods, and cost structures to ensure comprehensive protection while complying with federal requirements for recorded consultations.
Life Insurance
We offer term and whole life insurance to protect loved ones financially. Term policies cover specific periods (10-30 years), while whole life includes cash value growth. Our guidance helps determine appropriate coverage amounts based on debts, future expenses, and long-term affordability considerations.
Disability Insurance
Disability insurance replaces income lost due to work inability from accidents or illnesses. We explain short-term (under 1 year) and long-term options, covering common conditions like heart disease or diabetes. Employers and individuals can purchase policies to safeguard financial stability during unexpected health challenges.
Travel Insurance
Travel insurance covers medical emergencies, trip cancellations, and lost documents during domestic or international travel. We provide plans addressing evacuation, repatriation, baggage delays, and weather-related disruptions, ensuring travelers receive financial protection for unexpected journey interruptions.
People
Ted M. Kravec
Principal and CEO
Ted Kravec brings 25+ years of insurance experience, specializing in employee benefits and group insurance solutions. He holds a Business Administration degree from Baldwin-Wallace University and serves on Copper Mountain Resort Association Board.
Sherri L. Kravec
Principal and COO
Sherri Kravec manages daily operations with a focus on client communication. A licensed broker, she specializes in small business insurance and Connect for Health Colorado marketplace navigation. She earned her degree from The Ohio State University on a volleyball scholarship.
Questions
When is the Medicare Annual Enrollment Period?
The Medicare Annual Enrollment Period runs October 15th to December 7th each year for plan changes.
Do you charge for insurance brokerage services?
No, our brokerage services cost nothing extra—premiums remain the same whether you work with us or enroll directly.
What states do you operate in?
We're licensed in Arizona, Colorado, Ohio, and South Carolina as of our latest expansion updates.
How does dental insurance save money?
Dental policies ($10–$50/month) cover preventative care and reduce costs for procedures like cleanings ($200+) and crowns ($500–$1500).
Can I get disability coverage through my employer?
Many employers offer disability insurance, but we also help individuals purchase supplemental policies for comprehensive protection.
