About Shirazi Benefits

Shirazi Benefits is an independent insurance agency specializing in group employee benefits and estate and business planning. We are committed to identifying the insurance products that are the right fit for your company, your employees, and yourself. As an independent insurance agency, our priorities lie with you – not the insurance company. From identifying the right carriers and plans that will accomplish your goals to handling service issues and claims resolution, we take the hassle out of insurance so you can focus on what’s most important in your life. Our goal is to become an extension of your human resources department as it pertains to your employee benefits package.

Communication is the cornerstone of Shirazi Benefits. Each and every relationship is approached with honesty, integrity and accountability. We give each client the same top-level attention, accommodating their needs to ensure the high-quality service they deserve.

Our organization provides extensive experience with group and individual insurance benefits including medical, HSAs, HRAs, FSAs, life insurance, vision and dental, long-term care, disability income, retirement plans, and self-funded and fully insured plans. We can also assist with business groups of one, COBRA and section 125 administration, as well as numerous voluntary products.

Shirazi Benefits brings a wealth of experience to every client. From our certified and licensed account managers and benefit analysts to our experienced leadership team, we know what to expect in this ever-changing industry, and we are ready to ensure your unique needs are met. With over 35 years in the industry, we have witnessed firsthand common – and not so common – issues. We use this knowledge to answer questions and handle problems for our clients in a prompt and effective manner.

We promise when you select Shirazi Benefits as your health insurance broker you will not only benefit from the expertise of one of northern Colorado’s leading independent insurance agencies, you will also receive the personalized service and attention to detail that you deserve.


In 1976, Masoud S. Shirazi founded Shirazi & Associates, an independent insurance agency specializing in group employee benefits and estate and business planning. He was joined in 1981 by his brother, Hossein Shirazi, and a third principal, Ty Miller, in 1992. After 35 years in business, Shirazi & Associates is now Shirazi Benefits, one of the largest group benefits brokerages in northern Colorado – representing approximately 350 employer groups, ranging in size from one to 2,000 employees.

Throughout the years, we have built strong relationships with many of the leading insurance carriers. By leveraging these relationships, we are able to offer you better pricing and better service, thereby reducing your costs and simplifying an otherwise complicated and burdensome task.

We understand how challenging the world of insurance benefits is today, and we want to help you find a solution that both satisfies your needs and meets your budget. Providing our clients with quality products and service for their group benefit plans and individual policies is the number-one priority for Shirazi Benefits.


Shirazi Benefits has 11 full-time employees, including the three company principals. The entire staff has a combined total of more than 132 years of experience in employee benefits brokerage, and key personnel have an average tenure of 28 years. Our success has been credited to our outstanding service and dedication to our clients.

Masoud Masoud S. Shirazi | Principal

A member of the Greeley community for more than 30 years, Masoud’s vast knowledge of the insurance industry and group employee benefits has earned him a solid reputation of providing quality service to his clientele. Throughout the years, he has received a number of awards for his work and involvement in the insurance industry. Business owners and employers throughout the Front Range have benefited from Masoud’s experience in financial planning and employee benefits, helping them grow and remain profitable in an ever-changing economy. Masoud holds a Bachelor of Science and MBA in Business Administration from the University of Northern Colorado.


Hossein ShiraziHossein S. Shirazi | Principal

With a strong background in group employee benefits, Hossein delivers on Shirazi Benefits’ promise of excellent customer service. He is dedicated to providing his customers with the assistance necessary to implement and service their benefit programs. In addition to employee benefits, Hossein works one-on-one with business owners for personal estate planning and buy-sell agreements. He has a Bachelor of Science in Accounting from the University of Northern Colorado.



Ty MillerTy D. Miller | Principal

Since joining Shirazi Benefits in 1992, Ty has continued to provide excellent customer service to employers and employees throughout Colorado. Now, responsible for managing all aspects of the business, Ty uses his knowledge of products and technology to provide clients with online enrollments, human resource information, and other tools to help employees become more involved in their benefit program. He holds a Bachelor of Science in Business from Colorado State University.



Vicki SteinerVicki Steiner | Senior Account Manager

With 35 years of experience in the insurance industry, Vicki is uniquely qualified to implement and service group employee benefits. A licensed representative for life, accident, and health insurance, Vicki began her career working in the individual life and disability income market. She offers a thorough understanding of a wide variety of individual and group insurances including life, health, disability, long-term care, health savings accounts, flexible spending accounts, and health reimbursement accounts, and she is also COBRA and Section 125 certified. She has worked with a number of companies – both small and large – in the private and public sector. In her role at Shirazi Benefits, she has fostered strong relationships with our client base and works hard to exceed service expectations.

Jennifer WamboltJennifer Wambolt | Account Manager

With more than a decade of experience in the insurance industry, Jennifer brings extensive product knowledge and strong customer service skills to Shirazi Benefits. She has worked closely with clients of all sizes in the education, finance, health care, and construction industries, as well as public sector organizations. Specifically, Jennifer has experience with consumer-driven health plans, self-funded and fully insured plans, dental, life, disability, and vision. She is dedicated to assisting employers and employees find answers to their questions and gain a thorough understanding of their benefit plans. Jennifer holds a Colorado Insurance Producers License and both COBRA and Section 125 certifications. Additionally, she has an Associate’s Degree in Medical Office Technology.


Sarah Thomas

Sarah Thomas | Account Manager

Since joining Shirazi Benefits in 2002, Sarah has developed a strong working relationship with vendors and clients. A certified COBRA and Section 125 administrator and licensed representative for accident and health and life insurance, Sarah helps clients with every area of their employee benefit plan from administration to claims and benefits. She focuses her customer service skills and considerable product knowledge to ensure any problems are resolved in a timely and satisfactory manner. During her career, Sarah has worked with large and small companies in health care, finance, government, and the private sector. She offers strong group benefit experience in consumer-driven health care plans, flexible savings accounts, health savings accounts, HMOs, PPOs, life, dental, vision, disability, and retirement, as well as individual health and life insurance.

Reed Miller | Broker Consultant

Graduating in 2013 from Colorado State University with a Bachelors of Science degree in Financial Planning, Reed has begun his professional career working with Shirazi. Reed is a licensed Life, Health, Accident and P & C producer, certified Connect for Health Colorado Marketplace representative, and has experience with retirement and estate planning strategies. Reed is the youngest member of our team and provides renewed energy and perspective to an aging industry. Reed has studied in Prague, Czech Republic, worked at an outdoor-adventure camp in Estes Park and went on a Christian mission trip to New Castle, Australia.



Michael Shirazi | Advisor

Michael was born and raised in Greeley, CO and is a graduate of the University of Colorado with a degree in finance. Before joining Shirazi Benefits, Michael worked for three and half years with a major insurance company where he achieved several of the highest awards and recognitions. With his past experience, Michael brings a vast knowledge of group employee benefits with the perspective and experience from the carrier side. In addition to employee benefits, Michael has a background and experience in individual life, disability income and business planning. Michael now lives in Fort Collins, CO and mainly focuses his business in Northern Colorado. He is involved with several community organizations and brings a young exciting energy to our team.

Leigh Ann PotterLeigh Ann Potter | Bookkeeper

Leigh Ann is Shirazi Benefits’ “behind the scenes” person. Leigh Ann assists with any accounting needs for the office and is responsible for all state licensing and carrier contracting for the agency. Leigh Ann joined Shirazi Benefits in 2000 and contributes more than 20 years experience in various accounting functions. Leigh Ann holds an Associate’s Degree in Accounting.



Screen Shot 2013-04-23 at 1.51.43 PMJoy Stewart | Medicare Products Specialist

Born and raised in Colorado Springs, Colorado, Joy attended the University of Northern Colorado, Greeley (1996-1998), earning her Bachelor of Science in Business Administration emphasizing in Marketing. Upon graduating, she spent a short stint with State Farm insurance as a Field Implementation Trainer for agents, as well as becoming licensed in Life/Health/Property/Casualty insurance.

From 2001-2004, she was a public relations and marketing specialist for 14 Assisted Living/Independent Living Retirement Communities in 6 states. Joy was instrumental in implementing advertising campaigns designed to bring residents into the communities. Having seen the cost of care go up on an average of 5% annually and residents struggling to pay their bill is what made Joy realize long term care insurance should be an important aspect of retirement planning.

In 2005 to current, Joy became an independent retirement specialist focusing on finding and filling gaps in Colorado residents’ retirement programs, such as: Medicare Supplements, Medicare Advantage, Prescription Drug, Final Expense Life and Long Term Care Insurance.  She continues to be an educator and advisor of long term care insurance, as well as, a Medicare expert.

At Shirazi Benefits, Joy is our Medicare Products Specialist and helps those turning 65 and retiring find other affordable and appropriate insurance options.