Business Details
Your Trusted Income Protection Planning Partner
Clear Solutions Insurance Services has been empowering families with income protection planning for over 30 years. We specialize in life insurance, long-term care, disability insurance, and longevity health planning, serving clients across Colorado, Texas, and California. Our approach focuses on education, personalized solutions, and free resources to help clients protect their financial futures.We operate as an independent broker, prioritizing client needs over insurance company interests. Our team combines industry expertise with a commitment to client empowerment through comprehensive protection strategies.
Services
Income Protection Planning
Life Insurance
Long Term Care
Disability Insurance
Longevity Health Planning
Highlights and features
- We offer 30+ years of specialized experience in income protection planning.
- Our client-first approach prioritizes your needs over insurance company interests.
- We provide free educational resources and eligibility assessment tools.
- Licensed in Colorado, Texas, and California for comprehensive service coverage.
- Personalized protection plans tailored to individual family needs and budgets.
Associations and certifications
- CLTC
What people say
Stellar experience
Peace of mind
Highest recommendation
Refreshing service
Perfect policy match
Services
Income Protection Planning
Income Protection Planning safeguards your financial stability against life's unexpected events. We help clients create strategies to maintain their lifestyle during disability, unexpected death, or long-term care needs. Our approach combines insurance products and education to ensure income continuity for families.
Life Insurance
Our life insurance solutions provide financial protection for beneficiaries while offering living benefits options. We help clients choose between term, permanent, and living benefit policies to protect their family's financial future. Coverage includes death benefits and critical illness access to funds.
Long Term Care
Long Term Care insurance covers in-home care, assisted living, and memory care expenses. We offer traditional policies and innovative options with living benefits to protect retirement savings from care-related financial strain. Our plans address both short-term recovery and multi-year care needs.
Disability Insurance
Disability Insurance replaces income during work inability from illness or injury. We provide short-term and long-term coverage options, including critical illness policies that offer lump-sum benefits. Our solutions protect against financial hardship from unexpected career interruptions.
Longevity Health Planning
Longevity Health Planning addresses healthcare gaps in retirement through the '5th L' strategy. We help protect retirement assets against extended care costs, medical emergencies, and lifestyle sustainability needs. Our approach ensures financial security through the four Ls: Liquidity, Longevity, Lifestyle, and Legacy.
People
Tom Rasmussen
Empowerment Consultant
With 30+ years in insurance, Tom specializes in income protection and longevity planning. He holds the CLTC designation and has helped thousands through educational seminars and personalized strategies. His approach focuses on client empowerment rather than sales.
Questions
What is income protection planning?
Income protection planning creates financial safeguards against life events that interrupt earnings. We help clients prepare for disability, unexpected death, or long-term care needs through tailored insurance strategies.
What life insurance options do you offer?
We provide term life, permanent life, and policies with living benefits. Our solutions include access to death benefits for critical illnesses while maintaining traditional death coverage for beneficiaries.
How does long-term care insurance work?
Long-term care insurance covers extended care expenses like in-home care, assisted living, and memory care. Policies protect retirement savings from care costs ranging $5,000-$10,000 monthly.
Do you offer disability coverage?
Yes, we offer short-term and long-term disability insurance that replaces income during work inability. We also provide critical illness coverage as a complementary protection strategy.
What areas do you serve?
We operate as a licensed insurance broker in Colorado, Texas, and California, providing nationwide educational resources through digital platforms.
