F.O.F Insurance Agency

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F.O.F Insurance Agency Insurance brokers bringing LIFE back into the Life insurance industry! Life, Retirement, Employee Benefits, Medicare and more. Call us for a free consult today!

Nichole: 970-209-5148
Shawn: 970-975-1011

10/13/2026

Medicare Open Enrollment 2027! Have you been told Humana is leaving the western slope?
Received a letter that plan is exiting the county you live in?
Been notified that you’re now out of network with your doctor?
Let’s chat about your options for 2027!
Let’s clear the air about Medicare!!

This is what stress-free Medicare looks like.(Mani-pedis optional… but highly recommended 💅😎)Turning 65? We’ve got two t...
07/11/2025

This is what stress-free Medicare looks like.
(Mani-pedis optional… but highly recommended 💅😎)

Turning 65? We’ve got two things to say:
1️⃣ You deserve to be pampered.
2️⃣ You deserve Medicare help that doesn’t feel like pulling teeth.

We break it all down for you—what plans actually mean, how enrollment works, and how to avoid penalties. No robot calls. No confusing jargon. Just real humans who care.

✔️ Free help with Medicare enrollment
✔️ Support from local agents who get it
✔️ No pressure. No stress. Just clarity.

We got you!

📞 Nichole: (970) 209‑5148
📞 Shawn: (970) 975‑1011

📅 Book online anytime: https://go.thryv.com/site/FOFInsurance/online-scheduling

Real talk: Life doesn’t come with a warning label.But love? Love plans ahead.You’ve built a life for your people—with me...
07/11/2025

Real talk: Life doesn’t come with a warning label.
But love? Love plans ahead.

You’ve built a life for your people—with memories, road trips, bedtime stories, and everything in between. Life insurance is how you protect that life, even when you’re not around to say “I got this.”

✨ Cover final expenses without the chaos
✨ Take financial stress off your family’s shoulders
✨ Make sure they keep the house, the dog, and the dreams
✨ Leave a legacy—not a bill

It’s not scary. It’s smart. And it’s one of the most powerful ways to say “I love you.”

Let’s find a plan that fits your life—and your budget.

📲 Call us:
Nichole – (970) 209‑5148
Shawn – (970) 975‑1011

💻 Or book online: https://go.thryv.com/site/FOFInsurance/online-scheduling

We got you!

Your team deserves more than pizza parties 🍕Real talk: great benefits = happy employees = better business.And no, you do...
07/09/2025

Your team deserves more than pizza parties 🍕

Real talk: great benefits = happy employees = better business.

And no, you don’t need 100+ staff or a corporate budget to make it happen. We help small (but mighty) teams build packages that actually benefit everyone.

Here’s what we bring to the table:
✔️ Custom group health plans
✔️ Life & supplemental insurance
✔️ Income protection options
✔️ Hands-on enrollment help
✔️ Flexible packages built for real budgets

Whether you're running a salon, a retail store, or a startup — we got you!

Let’s build something awesome for your crew.

📲 Schedule a free consult: https://go.thryv.com/site/FOFInsurance/online-scheduling

📞 Or call us:
Nichole – (970) 209‑5148
Shawn – (970) 975‑1011

Ready to Retire on Your Terms?Retirement doesn’t happen automatically—especially if you haven’t dot‑ted those i’s on you...
07/05/2025

Ready to Retire on Your Terms?

Retirement doesn’t happen automatically—especially if you haven’t dot‑ted those i’s on your savings strategy. That’s where we come in...

Annuities are one of our top tools for boosting financial resilience in retirement.

We can help you:

+ Turn savings into a steady monthly income during your golden years
+ Grow tax‑deferred, and continue adding even after other retirement plans max out
+ Secure a death benefit so your legacy supports loved ones

Why talk to us before retirement?
✅ Personalized planning – We don’t believe in one-size-fits-all.
✅ Free, no-pressure consultations – Let us map out a strategy that aligns with your goals.
✅ Expertise you can trust – Local specialists who know retirement challenges firsthand.

Take the next step and give us a call:
📞 Nichole – (970) 209‑5148
📞 Shawn – (970) 975‑1011

📅 Or grab your free appointment here:
go.thryv.com/site/FOFInsurance/online-scheduling

Start building a retirement plan that's as unique as you are.
We got you!

Turning 65? Here’s what you need to know👇Medicare isn’t one-size-fits-all.And if you’re feeling overwhelmed—you’re not a...
07/03/2025

Turning 65? Here’s what you need to know👇

Medicare isn’t one-size-fits-all.
And if you’re feeling overwhelmed—you’re not alone.

That’s where we come in.
We’re not just agents. We’re Medicare specialists—and we offer free enrollment help to make sure you don’t miss a beat.

Know your 7-month window:
📆 3 months before your birthday
🎂 Your birthday month
📆 3 months after

Miss that? You could face:
⚠️ Late enrollment penalties
⚠️ Gaps in coverage
⚠️ Limited plan options

Let’s skip the stress. Let’s get it done right.
We got you! Just real people helping you figure out what actually fits your life.

Call us today!
📞 Nichole: (970) 209-5148
📞 Shawn: (970) 975-1011

Or book a free consult: https://go.thryv.com/site/FOFInsurance/online-scheduling

They count on you. Make sure they still can—even when life takes a turn.Life insurance isn’t about fear—it’s about love....
07/01/2025

They count on you. Make sure they still can—even when life takes a turn.

Life insurance isn’t about fear—it’s about love.
It’s about making sure your people are protected, no matter what.

🕊 Cover funeral and final expenses
💳 Shield your loved ones from leftover debt
🏡 Keep the roof over their heads
❤️ Give them the gift of security and peace

You don’t need a crystal ball—you just need a plan.
Let’s make one together—with life insurance that fits your needs and your budget.

Give us a call. We got you!

📞 Nichole: (970) 209-5148
📞 Shawn: (970) 975-1011

📅 Or book online anytime: https://go.thryv.com/site/FOFInsurance/online-scheduling

Let’s be real—insurance is confusing. And expensive. And kind of boring.But protecting your health shouldn’t feel like a...
06/27/2025

Let’s be real—insurance is confusing. And expensive. And kind of boring.

But protecting your health shouldn’t feel like a guessing game or cost a fortune.

That’s where we come in.
At FOF Insurance Agency, we help real people, just like you, find real coverage that fits:
✔️ Your budget
✔️ Your life
✔️ Your peace of mind

Whether you need health, life, or supplemental insurance, we’ll walk you through your options with zero pressure and zero frustration.

We keep it simple. We keep it honest. We keep it human.

We got you!

📞 Let’s chat:
Nichole: (970) 209‑5148
Shawn: (970) 975‑1011

🗓️ Or book online: https://go.thryv.com/site/FOFInsurance/online-scheduling

65 is just a number—but Medicare makes it a deadline. 🚨If your 65th birthday is coming up, it's time to get serious abou...
06/26/2025

65 is just a number—but Medicare makes it a deadline. 🚨

If your 65th birthday is coming up, it's time to get serious about Medicare. You've only got a 7-month enrollment window:
➡️ 3 months before
➡️ Your birthday month
➡️ 3 months after

Miss it, and you might be stuck with late penalties or limited options. 😬 But don’t worry—we’ve got you. At FOF Insurance Agency, Medicare is our thing.

We’ll break it down, walk you through your choices, and help you enroll in a plan that actually fits your life.

📲 Ready to talk? Call us!

Nichole at (970) 209‑5148
Shawn at (970) 975‑1011

Or book online:
https://go.thryv.com/site/FOFInsurance/online-scheduling

Running a business is hard enough—let us handle the benefits.We’re here to help you take care of the crew that helps mak...
06/24/2025

Running a business is hard enough—let us handle the benefits.

We’re here to help you take care of the crew that helps make it all happen.

You don’t need to be a giant corporation to offer amazing employee benefits. With us, you get:

✔️ Customizable group health coverage
✔️ Supplemental & life insurance options
✔️ Income protection for peace of mind
✔️ Hands-on support through enrollment
✔️ Flexible plans that fit your budget

Whether you’re a team of 2 or 22, we’ll help you build benefits that attract and retain your dream team—minus the red tape.

📲 Book a free consult: https://go.thryv.com/site/FOFInsurance/online-scheduling

📞 Call us directly:
Nichole – (970) 209‑5148
Shawn – (970) 975‑1011

Address

401 East Main Street, Suite 5
Montrose, CO
81401

Telephone

+19702095148

Website

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