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Kristen Ramirez

Financial Professional
Insurance Sales Representative - Bankers Life and Casualty Company
Direct Phone:
(303) 606-3036(303) 606-3036
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Kristen RamirezInsurance Sales Representative, Denver, CO

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Meet Kristen Ramirez
Personal Business Philosophy
I’m dedicated to helping my clients protect their financial security as they prepare for retirement. I hold myself to the highest level of personal and professional integrity and promise only to recommend insurance product solutions that are in my client’s best interests.
licensed in
CO, DE
professional background
Education: Bachelor's Degree in Health Sciences with a double concentration in biology and psychology from the University of South Florida
personal background
Family: I have aunts and uncles all across the world, from the Philippines, Florida, and EnglandCommunity Involvement: I am a personal trainer at a local downtown gym and I am invested in helping my fellow neighbors stay healthy

Kristen Ramirez, Bankers Life Agent in Denver, CO

Closed - Opens at 8:00 AM Thursday
Contact Me
Office Phone:
(303) 802-2020(303) 802-2020
Direct Phone:
(303) 606-3036(303) 606-3036
Cell Phone:
(321) 696-2513(321) 696-2513
kristen.ramirez@bankerslife.com
Branch Info
3401 Quebec St
Ste 6500
Denver, CO 80207
US
Hours
Day of the WeekHours
Wednesday8:00 AM - 6:00 PM
Thursday8:00 AM - 6:00 PM
Friday8:00 AM - 6:00 PM
SaturdayClosed
SundayClosed
MondayClosed
Tuesday8:00 AM - 6:00 PM

Products & Services Offered in Denver, CO

  • Life Insurance

    Find out how life insurance can help protect the financial security of you and your family.
    Explore
  • Medicare Supplement Insurance

    Learn how Medicare supplement insurance can help cover out-of-pocket costs that Medicare may not cover.
    Explore
  • Long-term Care Insurance

    Find out how long-term care insurance can help provide financial security in the event of an unexpected long-term illness.
    Explore
  • Annuities

    Learn how an annuity can help protect and grow your retirement savings.
    Explore

Financial Calculators & Tools

Our calculators are here to help support your retirement and insurance planning needs so you can make confident and informed decisions.
Retirement Calculators
Insurance Calculators
  • How Long Will My Retirement Savings Last?

    Determine how long your retirement savings may last considering your monthly spending, sources of income, inflation and more.
  • Estimate Social Security Benefits

    Estimate your future Social Security benefits based on your income history and expected retirement age.
  • Traditional 401(k) or Roth 401(k)?

    How do traditional 401(k) and Roth 401(k) contributions differ, and which option best suits your financial needs?
  • Retirement Income Estimator

    Input your current savings and income sources to estimate your future retirement income and assess if you’re on track to meet your goals.
For information and educational purposes only. Does not constitute investment advice or a recommendation.

Explore Medicare Advantage

You have many choices when it comes to Medicare – Let us help you compare Medicare Advantage plans to find the right coverage for you. Medicare Advantage (Part C) is an all-in-one alternative to Original Medicare Parts A and B.


Let's Talk About Your Plans for Long-Term Care!

As people live longer and health care expenses continue to rise, the need for long-term care becomes more of a "when" than an "if" situation. That's why it's so important to be prepared and have discussions with your loved ones. Ready to start planning your next steps?

Reviews

Reviews for Kristen Ramirez

5.0
Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
(1 Review)
  • 5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Kristen has been a pleasure to work with. She is very knowledgeable and able to assist me with everything I need

Customer Reviews for Denver, CO

4.8
Rating 4.7full star ratingfull star ratingfull star ratingfull star ratingfull star rating
(128 Reviews)
  • Megan N
    August 13, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    I was extremely impressed with the customer service, feedback and professionalism shown by Estrella. She was both friendly and knowledgeable. She provided me with options and was transparent and honest about my situation. The entire process was smooth, convenient and easy. I highly recommend Estrella with BankersLife.
    I was extremely impressed with the customer service, feedback and professionalism shown by Estrella. She was both friendly and knowledgeable. She provided me with options and was transparent and honest about my situation. The entire process was smooth, convenient and easy. I highly recommend Estrella with BankersLife.
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  • Y D
    August 13, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Star was amazing, answered all my questions and was honest about not knowing something, but found out about it immediately. I was very impressed with how well she presented the insurance policy with me. Thank you Star!
    Star was amazing, answered all my questions and was honest about not knowing something, but found out about it immediately. I was very impressed with how well she presented the insurance policy with me. Thank you Star!
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  • Teyanie C
    August 13, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    My customer service representative Star was very thorough when explaining what I needed to know about life insurance, Star made me feel comfortable when purchasing such a sensitive topic on quality or end of life plan. She went above and beyond to explain to make me feel more comfortable and making my decision. And also referred me to a person for doing a living will.thanks to you I am a New customer! Amazing service and customer Care Thank You, Bankers Life Star
    My customer service representative Star was very thorough when explaining what I needed to know about life insurance, Star made me feel comfortable when purchasing such a sensitive topic on quality or end of life plan. She went above and beyond to explain to make me feel more comfortable and making my decision. And also referred me to a person for doing a living will.thanks to you I am a New customer! Amazing service and customer Care Thank You, Bankers Life Star
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  • Ruth O
    August 5, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Looking forward to the policy I'm currently waiting to be processed
    Looking forward to the policy I'm currently waiting to be processed
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  • Warren S
    July 28, 2025
    4.0 out of 5.0
    Rating 4.0full star ratingfull star ratingfull star ratingfull star rating
    Good presentation very knowledgeable.
    Good presentation very knowledgeable.
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  • Ashley K
    July 22, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    She's very knowledgeable about the policies they offer. She helped me find something that works great with my crazy life and gave me peace of mind. She's also very good at checking in to make sure I'm happy with my policy more than other types of agents( in other fields ex: insurance) I've dealt with. Would highly recommend her services!
    She's very knowledgeable about the policies they offer. She helped me find something that works great with my crazy life and gave me peace of mind. She's also very good at checking in to make sure I'm happy with my policy more than other types of agents( in other fields ex: insurance) I've dealt with. Would highly recommend her services!
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  • Debra H
    July 17, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating

    Both Ari and Jean were pleasant and professional from the beginning until the end of their visit to my home. Although everything was explained in laymen's term for my understanding, when I asked questions, both Ari and Jean botch chimed in for clarity. I highly recommend them.

    Both Ari and Jean were pleasant and professional from the beginning until the end of their visit to my home. Although everything was explained in laymen's term for my understanding, when I asked questions, both Ari and Jean botch chimed in for clarity. I highly recommend them.
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  • Jeffrey C.
    July 10, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    After 12 years of service with Bankers Life, I couldn't be happier. They have treated me very well and I have a wonderful career. My clients, co-workers, the company, and my family mean the world to me. As my father would say, "the good news is I only have 30 more years to work!" I plan on spending many more at Bankers Life.
    After 12 years of service with Bankers Life, I couldn't be happier. They have treated me very well and I have a wonderful career. My clients, co-workers, the company, and my family mean the world to me. As my father would say, "the good news is I only have 30 more years to work!" I plan on spending many more at Bankers Life.
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  • Michelle W
    July 8, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    I feel confident that my financial resources are in competent hands. Jeff deeply values his clients and their needs. He has me prepared for practically any outcome. I am reassured that I will remain financially independent for the rest of my life.
    I feel confident that my financial resources are in competent hands. Jeff deeply values his clients and their needs. He has me prepared for practically any outcome. I am reassured that I will remain financially independent for the rest of my life.
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  • Carl W
    July 2, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Kristen has been a pleasure to work with. She is very knowledgeable and able to assist me with everything I need
    Kristen has been a pleasure to work with. She is very knowledgeable and able to assist me with everything I need
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  • TJ B
    July 1, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Ivy is amazing. Our initial meeting was great. Though it was brief, Ivy covered all the bells and whistles thoroughly. She didn’t pressure me. In fact, it sounded so appealing, I signed up for insurance right there on the spot. Ivy has consistently checked in with me and nurtured the relationship the entire time I’ve been a customer. I’ve even gotten the occasional letter and text messsge, which is always a pleasant surprise. I love being Ivy’s client.
    Ivy is amazing. Our initial meeting was great. Though it was brief, Ivy covered all the bells and whistles thoroughly. She didn’t pressure me. In fact, it sounded so appealing, I signed up for insurance right there on the spot. Ivy has consistently checked in with me and nurtured the relationship the entire time I’ve been a customer. I’ve even gotten the occasional letter and text messsge, which is always a pleasant surprise. I love being Ivy’s client.
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  • Lori M
    June 19, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Austin is the most amazing young man! He absolutely knows his stuff. He has a lovable personality. After only a couple of visits I felt like he was part of my family. I have a lot of trust in Austin. This guy is going to go places ! He is very smart and educated. I would recommend him to anyone. Believe me he had challenges taking care of my retirement issues. He helped me sail through. Looking forward to seeing him in the future! Thanks for everything Austin! You're the best! Lori
    Austin is the most amazing young man! He absolutely knows his stuff. He has a lovable personality. After only a couple of visits I felt like he was part of my family. I have a lot of trust in Austin. This guy is going to go places ! He is very smart and educated. I would recommend him to anyone. Believe me he had challenges taking care of my retirement issues. He helped me sail through. Looking forward to seeing him in the future! Thanks for everything Austin! You're the best! Lori
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  • Lori M
    June 19, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Ivy is an amazing young woman. She made me feel safe and secure with dealing with all the stress. She knows her job and does it well. I had many problems and many issues with my retirement She stood by me every step of the way! Thanks Ivy! You're the best!
    Ivy is an amazing young woman. She made me feel safe and secure with dealing with all the stress. She knows her job and does it well. I had many problems and many issues with my retirement She stood by me every step of the way! Thanks Ivy! You're the best!
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  • Diana C
    June 17, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Very knowledgeable and answered all my questions so that I was able to feel comfortable with my decision.
    Very knowledgeable and answered all my questions so that I was able to feel comfortable with my decision.
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  • Peggy O
    May 13, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Great service. Clear and articulate explanation of my policy.
    Great service. Clear and articulate explanation of my policy.
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  • Emma B
    May 8, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Your agent Nathan Pagibigan handles all my concerns promptly and professionally. I am a very satisfied customer.
    Your agent Nathan Pagibigan handles all my concerns promptly and professionally. I am a very satisfied customer.
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  • Christine G
    April 16, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Great customer service, super friendly, very knowledgeable. A very nice experience.
    Great customer service, super friendly, very knowledgeable. A very nice experience.
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  • Linda S
    April 3, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    He explained everything so well and went over all of the options. He has a great personality and is very patient to answer all questions to give the best advice.
    He explained everything so well and went over all of the options. He has a great personality and is very patient to answer all questions to give the best advice.
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  • Marilyn W
    March 26, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Dale is very personable and suggests products that meet our needs and will save us money. We appreciate his recommendations.
    Dale is very personable and suggests products that meet our needs and will save us money. We appreciate his recommendations.
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  • Lisa B
    March 22, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Great service. Always available when I have questions.
    Great service. Always available when I have questions.
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Displaying reviews 1 - 4 out of the 20 most recent

FAQs

Our Brands and Partners

Our agents provide an expansive suite of insurance options, including core products offered by Bankers Life and Casualty Company, Colonial Penn Life Insurance Company and Washington National Insurance Company.

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Insights From Kristen
Featured Videos
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Understanding the Difference: Original Medicare vs. Medicare Advantage
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