Assurity Life & Disability Insurance in Arvada & Colorado
Disability insurance specialist for self-employed and small business owners. Sells Insurance helps Arvada and Front Range clients compare the current policy terms, underwriting fit, and available alternatives before making a decision.
About Assurity
Assurity is a disability insurance specialist with strong programs for self-employed individuals, small business owners, and professionals needing income protection. It writes both short-term and long-term disability with flexible underwriting tailored to non-employer-sponsored buyers.
Who Assurity Is Best For
Self-employed Colorado professionals, small business owners, consultants, and anyone whose household depends on their personal earned income and who doesn't have employer-provided disability coverage.
Assurity in Colorado
Colorado's growing small business and self-employed population creates real demand for individual disability coverage. Most employer-provided disability programs only apply to W-2 employees of larger companies — leaving Colorado's significant self-employed segment to purchase individual protection.
Frequently Asked Questions
What is the difference between short-term and long-term disability?
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Short-term disability covers income loss for a relatively short period (typically 3-12 months) for conditions that prevent work. Long-term disability covers extended inability to work — often years, sometimes to age 65 — for serious illness or injury. Most income-protection plans pair both, with short-term bridging to when long-term begins.
Is disability insurance worth it for Colorado business owners?
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For most self-employed Colorado professionals and small business owners, yes — because the household's income is entirely dependent on the owner's ability to work, and a serious illness or injury can erase income for months or years. Disability insurance protects exactly that risk, which life insurance does not.
Why use Sells Insurance instead of going direct to Assurity?
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Going direct to Assurity only shows you Assurity's products. As an independent broker appointed with Assurity and other carriers in the same category — including Banner Life — Sells Insurance can compare options side-by-side, explain the trade-offs in plain language, and recommend the structure that actually fits your situation. You get the same Assurity pricing either way; the difference is the comparison and the local Colorado context that comes with it.
