Business Details
31 Years
experience
Your Trusted Income Protection Partner in Colorado
Clear Solutions Insurance Services has been empowering families with comprehensive income protection planning for over 30 years. As a licensed insurance broker operating across Colorado, Texas, and California, we specialize in life insurance, long-term care, disability insurance, and longevity health planning. Our approach focuses on educating clients to identify gaps in their financial protection and create personalized plans that preserve their lifestyle and assets. With expertise in both traditional and innovative insurance solutions, we provide free educational resources and direct access to our lead consultant, Tom Rasmussen.Our commitment to client empowerment extends beyond sales, emphasizing transparency, ethical guidance, and long-term financial security. We represent multiple insurance carriers to ensure objective recommendations tailored to individual needs. Our team combines industry-recognized certifications with practical experience to address complex protection challenges. Through seminars, publications, and media appearances, we actively promote financial literacy in retirement planning. Our mission remains centered on preventing medical crises from becoming financial catastrophes through proactive income protection strategies.
Services
Income Protection Planning
Life Insurance
Long Term Care
Disability Insurance
Longevity Health Planning
Protection Gap Analysis
Retirement Funding Plans
Critical Illness Coverage
Extended Care Planning
Policy Review Services
Details
- Year established: 1995
Highlights and features
- We offer 30+ years of specialized experience in income protection planning
- Our personalized approach creates plans tailored to individual family needs
- We provide free educational resources and eligibility assessment tools
- Licensed in Colorado, Texas, and California with multi-state expertise
- Our independent brokerage offers unbiased comparisons across multiple carriers
Associations and certifications
- CLTC (Certified Long-Term Care)
What people say
Knowledgeable expertise
Personalized planning approach
Comprehensive gap analysis
Clear explanations
Peace of mind
Services
Income Protection Planning
Income Protection Planning safeguards your financial stability against life's unexpected events like disability, critical illness, or extended care needs. We help clients create customized strategies using disability insurance, life insurance with living benefits, and long-term care coverage. Our approach preserves your ability to maintain lifestyle standards while protecting retirement assets from premature depletion through comprehensive risk assessment and tailored insurance solutions.
Life Insurance
Our life insurance services provide financial security for beneficiaries through term, permanent, and living benefits policies. We specialize in creating plans that address income replacement, mortgage protection, college funding, and estate preservation. Our approach includes living benefit riders that allow access to death benefits during terminal or chronic illness, offering flexibility while maintaining death benefit protection for surviving family members.
Long Term Care
Long Term Care insurance protects against the financial burden of assisted living, home healthcare, and memory care services. We offer traditional LTC policies, hybrid life insurance LTC riders, and short-term care options. Our planning addresses emotional, physical, and financial caregiving challenges while preserving retirement assets and maintaining family quality of life during care events.
Disability Insurance
Disability Insurance replaces income lost due to work-limiting injuries or illnesses. We provide individual and employer-sponsored policies with partial income replacement, critical illness riders, and rehabilitation support. Our solutions protect against premature depletion of retirement savings while maintaining standard of living during recovery periods through comprehensive underwriting and benefit structuring.
Longevity Health Planning
Longevity Health Planning addresses healthcare funding gaps in retirement through coordinated strategies. We combine extended care insurance, acute care coverage, and Medicare supplement plans to protect retirement assets. Our approach safeguards the four pillars of retirement planning - liquidity, longevity, lifestyle, and legacy - by addressing uncovered medical expenses and care needs that standard health insurance doesn't cover.
People
Tom Rasmussen
Empowerment Consultant
With 30+ years of insurance expertise, Tom Rasmussen specializes in income protection and longevity planning. A CLTC-certified advisor and LTC Forum Panel member, he has authored educational resources and hosted financial empowerment seminars across Colorado and California.
Questions
What is income protection planning?
Income protection planning creates financial safeguards against life events that disrupt earnings. We help clients combine disability insurance, life insurance with living benefits, and long-term care coverage to maintain financial stability during unexpected health crises.
How does life insurance with living benefits work?
Life insurance with living benefits allows access to death benefit proceeds while alive during terminal, chronic, or critical illness. This provides financial flexibility while maintaining protection for beneficiaries, unlike traditional policies that only pay upon death.
What does long-term care insurance cover?
Long-term care insurance covers in-home care, assisted living, memory care, and skilled nursing services. Our policies address care needs lasting months or years, protecting retirement savings from the high costs of extended care services not covered by standard health insurance.
How do you determine appropriate disability coverage?
We analyze income sources, emergency savings, and financial obligations to determine appropriate disability coverage. Our assessment considers both employer-provided benefits and supplemental individual policies to create comprehensive income replacement strategies.
What areas do you serve?
We operate as licensed insurance brokers in Colorado, Texas, and California. Our services include remote consultations and policy placement across these states, with specialized knowledge of regional insurance regulations and provider networks.
