Protecting Your Most Valuable Financial Assets

Since 1985 CJ Kofoed & Associates has specialized in providing comprehensive, innovative Income Protection solutions for clients throughout the United States.


Products Overview
Individual DI
Retirement Protection
Overhead Expense
Business Loan DI
Disability Buy-Out
Group LTD & STD
Voluntary DI & LTCI
Long Term Care
Life Insurance

Our Relationships


Consumers – Direct sales and service

Agent Services – Product wholesale and joint work assistance

Bankers – Insurance Specialists for Bankers and their clients

Association Plans – Utah Bar, SEAOSC and other professional groups

Expert Assistance



Consider us your Financial Structural Engineers, working to keep your financial world intact by providing:

  • All of the right types of business and personal DI policies
  • The industry’s best definitions
  • The right amount of coverage – limits have increased!

In addition to offering state-of-the-art Disability Income and Long Term Care Insurance products, we are part of a team of specialists that can provide expert help with various insurance and financial needs: life, employee benefits, commercial, personal lines, retirement planning, and general financial and estate planning.

Meet Our Specialist

Principal Charles (Chuck) J. Kofoed

has specialized in disability insurance planning since 1984. He assists agents in Utah, Idaho and Wyoming and has personal insurance clients throughout the United States. Having experienced a disability claim before due to a car accident, he takes contract provisions quite serious. He knows the fine print!

Dedicated to DI for More than 25 Years...