Life Insurance

Life insurance is one of three required protection packages that everyone should have. We offer life insurance planning for employees, business owners, families; anyone who has a need for life insurance, personal or business. Since life insurance has tax-advantaged status under IRS rules, some feel that a life insurance contract is an investment. Many life insurance contract allows the policyholder to directly manage the investment portion of the contract, but there are still substantial rules that must be met or the policy loses it's tax advantages. It's still an insurance contract, not a strict contract of investment, and should be purchased as such. We normally recommend term insurance, sometimes with additional permanent coverage, depending on what your needs are. There are new contract types that combine the best of both features, too.

Term insurance provides the most efficient risk protection and, since a life insurance policy purchased for personal needs is almost always used to replace income, term insurance is the best value.
Life insurance for estate planning, business continuation, or other long-term purposes may need permanent coverage such as universal life, whole life, or other permanent cash-value products.
Final-expense needs always require permanent insurance.

With life insurance planning, we develop a solution that fits your needs and budget. And, we schedule policy reviews at least every two years, to ensure that your coverage is adequate and the policy is up-to-date.

We can typically provide you with a competitive analysis representing as many as 100 companies, and impaired or high risk policies are our specialty. If you have had difficulty getting coverage in the past, or need to review your present situation due to a change in your family or other circumstance, please feel free to call us at 303-422.1660 to arrange a phone interview or a personal consultation.

UPDATE: A new type of term life insurance has become available which provides for the flexibility of universal life with the structure and low premium of traditional level term insurance. Call me for details or click here for a no-obligation life quote.

Most people are woefully under-insured. We have a simple life insurance planning tool that you can print out and complete. Click here to request a no-obligation quote from among hundreds of companies that we compare for best features and price. If you would like to schedule a policy update and review, or if need to update your current coverage's, email me for a no-obligation appointment or telephone consulations. (Colorado / Wyoming only).