Occasionally people will ask, “How much do you charge for a consultation?” “What do I owe you?” “How do you make your money?”

The good news is our services are absolutely free to you! There is no cost to you to use a broker when getting health insurance!

We like it that way. We like to help and we don’t have to bill anyone. Yes, sometimes we give lots of time and advice in pro bono work, but in the end it all works out.

Technically, our paycheck comes from the insurance companies because we get a commission based on each policy we sell. But since we are independent insurance brokers we have no loyalties to any particular company.

Over the years we have seen all the business cycles. Start up companies, companies that pull out, companies with hot rates, companies whose rates spiral out of control. So our loyalty is to you, our clients. Our primary objective is to make sure you have the best health insurance for your situation.

On rare occasions people have turned around and bought directly from the company after talking with us. It’s a mystery…

Don’t they realize that any credit for a sale is how we earn a living? Maybe not. Do they think they might be getting a better deal by going direct? They’d be wrong.

We guarantee that you will not find a lower price for identical insurance—from any source, anywhere. Even if you buy direct from the insurance company, you will not find a lower premium than what we offer you!

How can we be so certain? Actually, it's quite simple. The price or "premium," as we call it, is set by the Colorado Division of Insurance. Whether you buy from us, another agent, or even if you buy directly from the insurance company, the premium will be identical—so long as the quote is for identical features.

At Trozan Insurance Agency we listen carefully to you in order to understand what you want and need from your insurance plan. Then we offer you plan designs that best meet your needs, without trying to sell you a plan that is more expensive than necessary. This benefits everyone!