agent picture

Brian Ruff

Financial Advisor, Bankers Life Securities, Inc. and Bankers Life Advisory Services, Inc.
Insurance Sales Representative - Bankers Life and Casualty Company
Direct Phone:
(970) 635-5724(970) 635-5724
Leave a Referral
agent picture

Brian RuffFinancial Advisor, Bankers Life Securities, Inc. and Bankers Life Advisory Services, Inc., Loveland, CO

request apt form icon
quote form icon
Meet Brian Ruff
licensed in
CO, WY

Brian Ruff, Bankers Life Agent and Bankers Life Securities Financial Representative in Loveland, CO

Closed - Opens at 9:00 AM Tuesday
Contact Me
Office Phone:
(970) 669-6520(970) 669-6520
Direct Phone:
(970) 635-5724(970) 635-5724
brian.ruff@bankerslife.com
Branch Info
200 East 7th St
Ste 203
Loveland, CO 80537
US
Hours
Day of the WeekHours
Monday9:00 AM - 5:00 PM
Tuesday9:00 AM - 5:00 PM
Wednesday9:00 AM - 5:00 PM
Thursday9:00 AM - 5:00 PM
Friday9:00 AM - 5:00 PM
SaturdayClosed
SundayClosed

Products & Services Offered in Loveland, 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
  • Brokerage Services

    As a Financial Representative through Bankers Life Securities, Inc., I provide investment options including variable annuities, mutual funds, and equity and fixed income securities.
    Explore
  • Advisory Services

    As an Investment Advisor through Bankers Life Advisory Services, Inc., I offer fee-based investment management using third-party model portfolios.
    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

Customer Reviews for Loveland, CO

4.8
Rating 4.7full star ratingfull star ratingfull star ratingfull star ratingfull star rating
(29 Reviews)
  • Leslie D
    June 16, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Cole was friendly, professional, answered my questions.
    Cole was friendly, professional, answered my questions.
    Read More
    Read Less
  • Linda K
    April 30, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    She was very nice and helpful 👍
    She was very nice and helpful 👍
    Read More
    Read Less
  • Veronica W
    April 23, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Very knowledgable. Explained things well and answered all my questions.
    Very knowledgable. Explained things well and answered all my questions.
    Read More
    Read Less
  • Lori J
    April 17, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Cecilia and Meghan were wonderful to deal with!
    Cecilia and Meghan were wonderful to deal with!
    Read More
    Read Less
  • Robert F.
    April 9, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Perfect Experience all around. The whole staff is knowledgeable and professional, as well as friendly and considerate.
    Perfect Experience all around. The whole staff is knowledgeable and professional, as well as friendly and considerate.
    Read More
    Read Less
  • Gomez D
    April 3, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Speed, accuracy and a wonderful personality!!’ Top notch professional!!!
    Speed, accuracy and a wonderful personality!!’ Top notch professional!!!
    Read More
    Read Less
  • Sandra N
    March 22, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Very knowledgeable and caring. We highly recommend Cole to help anyone with their financial planning needs!
    Very knowledgeable and caring. We highly recommend Cole to help anyone with their financial planning needs!
    Read More
    Read Less
  • Karen K
    February 11, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Cole has been really patient and helpful in explaining all of my options as I sign up for Medicare. We have met a couple times and I have appreciated his help in doing what is best for me.
    Cole has been really patient and helpful in explaining all of my options as I sign up for Medicare. We have met a couple times and I have appreciated his help in doing what is best for me.
    Read More
    Read Less
  • Elmarie V
    January 7, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Cole was very easy to deal with! He answered all the questions I had and was very knowledgeable.
    Cole was very easy to deal with! He answered all the questions I had and was very knowledgeable.
    Read More
    Read Less
  • Sandra N
    November 12, 2024
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Very caring, helpful and knowledgeable. And patient, answered all of my questions thoroughly!
    Very caring, helpful and knowledgeable. And patient, answered all of my questions thoroughly!
    Read More
    Read Less
  • Michelle M
    October 7, 2024
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Rob has been great helping us understand the type of funds my husband’s money is in and how we can do better. He’s very knowledgeable and great with people.
    Rob has been great helping us understand the type of funds my husband’s money is in and how we can do better. He’s very knowledgeable and great with people.
    Read More
    Read Less
  • Michelle A
    September 22, 2024
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Amanda is very personable and knowledgeable. I’m very glad I found her and I feel confident about my choice and knowing she is there if I need her.
    Amanda is very personable and knowledgeable. I’m very glad I found her and I feel confident about my choice and knowing she is there if I need her.
    Read More
    Read Less
  • Maryann H
    September 9, 2024
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Definitely a pleasant experience. Customer service was great and our representatives were extremely helpful. Thank you!
    Definitely a pleasant experience. Customer service was great and our representatives were extremely helpful. Thank you!
    Read More
    Read Less
  • Chuck A
    September 5, 2024
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Cole came to our house to hook us up with some life insurance. We enjoyed getting to know this young man. He sure has a right heart to help people get the information they need to make good decisions for their futures. He has much knowledge on the different policies and what they offer people. Cole is definitely in the right business of helping people. He is a great listener. He pays attention to all the details of your situation to help you make the best choices for a great life. Cudos to Cole!
    Cole came to our house to hook us up with some life insurance. We enjoyed getting to know this young man. He sure has a right heart to help people get the information they need to make good decisions for their futures. He has much knowledge on the different policies and what they offer people. Cole is definitely in the right business of helping people. He is a great listener. He pays attention to all the details of your situation to help you make the best choices for a great life. Cudos to Cole!
    Read More
    Read Less
  • Peter W
    March 30, 2024
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Cole was very polite and took great care to understand our needs. He did not push any services on us but wanted to evaluate our needs first and then will get back to us with recommendations .
    Cole was very polite and took great care to understand our needs. He did not push any services on us but wanted to evaluate our needs first and then will get back to us with recommendations .
    Read More
    Read Less
  • S N
    September 30, 2023
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Cole was very knowledgeable and patient in helping us understand all of the complexities. And he really seems to care! Very good to work with!
    Cole was very knowledgeable and patient in helping us understand all of the complexities. And he really seems to care! Very good to work with!
    Read More
    Read Less
  • Ronald P
    July 19, 2023
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Cole has been awesome. This young man needs a raise. He was very knowledgeable about Bankers Life and has a very good repor with people. I told him we wanted a gift card to Red Lobster. We are happy he helped us transfer our life insurance over to a trusted company. He spoke highly of the company and his boss. Thank you for sending him to us. We enjoyed our visit.
    Cole has been awesome. This young man needs a raise. He was very knowledgeable about Bankers Life and has a very good repor with people. I told him we wanted a gift card to Red Lobster. We are happy he helped us transfer our life insurance over to a trusted company. He spoke highly of the company and his boss. Thank you for sending him to us. We enjoyed our visit.
    Read More
    Read Less
  • Marilyn M
    June 19, 2023
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    I highly recommend Robert Fessler, my financial and retirement advisor at Bankers Life. He has been such an important person to help me navigate critical decisions to plan my retirement and make important financial decisions. He is so trustworthy, wise and thoughtful about his advice. Very detailed with information helping me understand. Robert is very dependable and accessible as well. Bankers Life has products that assure me of getting the best. I rate Robert Fessler exceptional in his field!
    I highly recommend Robert Fessler, my financial and retirement advisor at Bankers Life. He has been such an important person to help me navigate critical decisions to plan my retirement and make important financial decisions. He is so trustworthy, wise and thoughtful about his advice. Very detailed with information helping me understand. Robert is very dependable and accessible as well. Bankers Life has products that assure me of getting the best. I rate Robert Fessler exceptional in his field!
    Read More
    Read Less
  • shannon M
    January 24, 2023
    1.0 out of 5.0
    Rating 1.0full star rating
    This is a predatory company to senior citizens. They even came to my house and showed up as if they were invited after telling them I wasn't interested in their products !!!!That is predatory stalking. BE AWARE they are a scam and offer little to no coverage for life insurance over 60.
    This is a predatory company to senior citizens. They even came to my house and showed up as if they were invited after telling them I wasn't interested in their products !!!!That is predatory stalking. BE AWARE they are a scam and offer little to no coverage for life insurance over 60.
    Read More
    Read Less
    Response from Bankers Life
    February 6, 2023
    Hello Shannon, our branch management team would like to address your feedback, but they've not been successful in reaching you via the email address you provided. If you would like to email us with any questions or additional details, our email address is BLReviews@bankerslife.com. Thank you.
  • Gary W.
    August 3, 2022
    3.0 out of 5.0
    Rating 3.0full star ratingfull star ratingfull star rating
    We were quoted a price and then it was raise higher because we were never told the payment would be taken out right away and not on the due date. We are unhappy and might cancel
    We were quoted a price and then it was raise higher because we were never told the payment would be taken out right away and not on the due date. We are unhappy and might cancel
    Read More
    Read Less
    Response from Bankers Life
    August 3, 2022
    Hello, we hope the recent communication with your agent has improved your experience, but please don’t hesitate to email us at BLReviews@bankerslife.com should you have any questions or need further assistance.
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.

  • Bankers Life Logo
  • Colonial Penn Logo
  • Washington National Logo
Insights From Brian
Featured Videos
Find out how Bankers Life long-term care insurance can offer you or a loved one the flexibility and independence you deserve. Someone may need long...
Find out how Bankers Life long-term care insurance can offer you or a loved one the flexibility and independence you deserve. Someone may need long-term care if they can no longer perform activities of daily living on their own (such as eating, bathing, dressing, or taking medications). These assisted care needs usually arise as part of the normal aging process, but can also occur as a result of injury, illness, or cognitive impairment. Long-term care can be costly and Medicare may not cover many of the expenses. Long-term care insurance pays benefits for assisted care services received at a facility or at home
Find out how Bankers Life long-term care insurance can offer you or a loved one the flexibility and independence you deserve. Someone may need long-term care if they can no longer perform activities of daily living on their own (such as eating, bathing, dressing, or taking medications). These assisted care needs usually arise as part of the normal aging process, but can also occur as a result of injury, illness, or cognitive impairment. Long-term care can be costly and Medicare may not cover many of the expenses. Long-term care insurance pays benefits for assisted care services received at a facility or at home
Featured Videos
Life insurance that pays benefits while you’re living? Beyond just covering funeral expenses, certain Bankers Life policies offer living benefits...
Life insurance that pays benefits while you’re living?
Beyond just covering funeral expenses, certain Bankers Life policies offer living benefits, which can be used to help replace lost income or other needs.
Life insurance that pays benefits while you’re living? Beyond just covering funeral expenses, certain Bankers Life policies offer living benefits, which can be used to help replace lost income or other needs.
Featured Videos
Universal life insurance can play a vital role in your retirement strategy. It provides long-term, permanent life insurance coverage plus more!
Universal life insurance can play a vital role in your retirement strategy. It provides long-term, permanent life insurance coverage plus more!
Featured Videos
Find out how life insurance can be an important aspect of retirement planning. Learn about the different types of life insurance and why life insu...
Find out how life insurance can be an important aspect of retirement planning. Learn about the different types of life insurance and why life insurance is important for everyone, no matter their age.
Find out how life insurance can be an important aspect of retirement planning. Learn about the different types of life insurance and why life insurance is important for everyone, no matter their age.
An elderly couple walks on a beach.
Understanding the Difference: Original Medicare vs. Medicare Advantage
Medicare provides healthcare coverage for millions of older Americans, but choosing between Original Medicare and Medicare Advantage can feel overwhelming. The federal government runs Original Medicare, which lets you see any doctor who accepts Medicare, while private insurers manage Medicare Advant...
Patient and doctor discussing treatment.
Understanding the Difference Between Medigap and Medicare Advantage
"Medicare is the primary source of health insurance for individuals over 65. It can provide significant benefits, but there are limitations to what it covers that could leave you paying out of pocket for some care. Medigap and Medicare Advantage plans are optional private insurance plans that can he...
Retired woman smiling leaning down to children in a classroom at a table with open laptops.
Is Substitute Teaching the Perfect “Unretirement” Job for You?
Retirement doesn’t always mean stepping away from work forever. In fact, as many as 1.5 million retirees have reentered the workforce in recent years. But many aren’t looking to return to the same old grind.
Display of Stock market quotes with city scene reflect on glass.
What Is Market Manipulation? How It Works and Why It Matters to Investors
In today’s fast-paced financial world, the stock market can sometimes feel like a rollercoaster, but not all price swings are natural. Some are the result of deliberate interference known as market manipulation. Whether you’re a seasoned investor or just starting out, understanding how manipulation ...
A senior couple riding bikes.
What Role Can Alternative Investments Play in a Retirement Portfolio?
If you’re nearing retirement or already retired, feeling uneasy about potential market volatility is understandable. After years of saving and planning, it’s natural to want more stability in your portfolio. One option some retirees explore is adding alternative investments—assets beyond tradition...
Seniors discussing Medicare enrollment options with advisor.
When to Sign Up for Medicare If You’re Still Working at 65
"Turning 65 is a significant milestone, not just for making another trip around the sun but also for unlocking Medicare eligibility. As the federal health program for more than 68.5 million Americans, Medicare is a vital component of retirement planning.",You must pay a premium: Compare the costs an...
Act Now For Your Free No-Obligation Quote