Broker Check

David Richards - Disability Insurance Specialist

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Welcome to my personal page at Wealth Strategies!  I hope you’ll learn a little more about me and why working with me can be a very profitable move for your business.  I started in the insurance busines in 1993 and have specialized in disability income planning since that time.  I’ve been with Guardian Life and Wealth Strategies since 2000 helping our valued brokers develop disability insurance solutions to protect their clients’ incomes and business interests from the devastating effects of a disabling injury or illness.

Quality is our focus:

Quality is our focus:

Guardian/Berkshire enjoys an excellent reputation in the industry, superior financial ratings and offers the highest-quality suite of individual life, individual disability and business disability products.  Our offerings include:

  • Competitively priced 10,15, 20 and 30-year term life products,
  • Whole Life and UL with LTC rider options on both
  • Individual disability insurance to replace income
  • Overhead Expense disability for small business owners
  • Reducing Term loan coverage riders for business loans
  • Buy-sell disability coverage for partnership agreements

How can I help you grow your business? 

When you reach out to me for quote requests, I dedicate myself to getting them done the same business day whenever possible. I can also set up access for you in Guardian Online so you’ll have access to our disability and life insurance software.  I’ll teach you how to accurately use the system to generate proposals anytime you need them if you prefer to use the quoting systems yourself. 

Engage me to help you find opportunities with your clients to protect their income and their business with our high-quality suite of products

Experience, Quality and Service

Give me a call or reach out via email with your next disability or life insurance illustration request and you’ll discover the difference in service vs. the large national brokerage houses that steer you to an 800 # for quotes from a call center.  I promise to follow up quickly and be readily available to personally talk you through the illustrations and help you design the optimal protection package for your valued clients.  

Protecting your client’s most valuable asset – their ability to work in their occupation – is the foundation of their financial plan.  Experience the difference that true product knowledge and high-end service can make in your practice.

Registered Representative and Financial Advisor of Park Avenue Securities and Financial Representative of Guardian. AR insurance license #1250283, CA insurance license #0D01928.

Reach Out!

Give me a call on my direct line at (303) 714-5875 or email me at and I’ll introduce myself and our services to you.

Articles by David Richards

Disability Income Insurance for Colorado Attorneys

Most people don’t like to think about the financial effect of a disabling injury or illness. But the risk of becoming disabled for 90 days or longer during our working years is significant—about one in eight will be disabled for five or more years during their working years.1 Accordingly, many financial advisors consider this a starting point in the general protection discussion of...

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Understanding Today’s Disability Insurance Contracts

Today’s disability insurance market is a complicated one. Since the major retreat in the individual disability insurance marketplace of the 1990s, most of the insurers that chose to stay in the disability insurance business have dramatically changed the contract language in their new...

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