-- HOWARD INSURANCE AGENCY, INC. --

HOWARD INSURANCE AGENCY is based in Littleton, Colorado and covers the entire state of Colorado. We represent the largest and the best health insurance companies in the country.

THE PRICE IS THE SAME WHETHER YOU BUY DIRECT FROM THE INSURANCE COMPANY OR FROM OUR AGENCY.

There are several good reasons why so many people in Colorado buy from our agency:

#1 The price is the same but the service is far superior from our agency.

#2  We are very particular which companies we represent and which policies we present to our clients.

#3 We examine the financial ratings of insurance companies to be sure that our clients’ claims will be paid promptly.

#4 We examine the details of companies’ policies to be sure that the policy is going to protect our client and cost them the least if they are hospitalized. Most clients are unfamiliar with the term, “ STOP LOSS.”  A Stop Loss is the maximum amount of liability you will be required to pay of a large medical bill. The amount of Stop Loss or the actual absence of a Stop Loss in a policy can cost you a huge amount of money!

#5 Because insurance policies are so complicated, it is very important that you deal with an agency which is an expert in health insurance. Every member of our staff is a licensed insurance agent with a specialty in health insurance.( Most insurance agents at other agencies are not experts in this one field. They may be selling life insurance, car insurance, house insurance,etc. Our agents only sell one product –health insurance!)