Insurance Quotes & Additional Offerings

Life Insurance
Proper life insurance is a useful tool for protecting your family's assets and lives from an unexpected loss. This tax-free income can provide a legacy to children, protect investments from inheritance tax, keep the family business operating when a key partner passes, and ensure an income for your surviving spouse. It is the one insurance from which you are guaranteed to collect. We can help you evaluate and plan how much coverage you should have and the type of policy that best fits your specific situation.

We offer many types of life insurance:

• Term Life: Provides protection for a specific time frame. Typically used for the span of a mortgage.
• Whole Life: Provides protection and builds cash value and has a guaranteed rate of return. It can also be a source for future loans to yourself.
• Universal Life: Has a guaranteed rate of return lower than Whole life, it builds cash value that is invested in securities.
• Variable Universal Life: Universal life in which you control the investment mechanism for the cash value.

Get your life insurance quote started online today! Or give us a call at (303) 695-6220

Disability Income
Pays you cash if you are disabled and unable to work. Think of this as paycheck insurance. Medical insurance will pay for your bodily repairs, but who pays for your car loan when you are not working? Think Aflac.

Business Overhead Expense
Like Disability Income, Business Overhead Expense (BOE) covers the expenses of your business while you are recovering.

Individual, Family and Group Medical Insurance
Going to the doctor is expensive. Several options are available to minimize this expense the latest of which is the High Deductible Savings Account. If you are willing to finance the small medical expenses, you can reduce the price of your individual coverage by as much as 50%. Purchase a family or individual plan to pay for any major medical expenses that may occur in the upcoming years.

Short-Term Medical Insurance
Are you a recent graduate or just laid-off? We provided short-term medical coverage to fill the gap until you get hired.

Medicare Supplements B, C, and D
Basic Medicare only covers your hospital expenses. Additional coverage is available through supplements B – Clinical, C – Deductible expense, and D – drug coverage. Timelines may affect the coordination of coverage.

Long Term Care Insurance
Let's face it. We’re all getting older. Whether it’s recovery from open heart surgery or for Alzheimer's disease, 67% of us will need physical assistance some time in our lives. Ask yourself these questions:

• Do you have family to care for you? Are they willing or able to care for you?
• Can your children afford the loss of income or time away from work to drive you to the doctor?
• Are you still strong enough to care for your parents if one of them slipped and fell on the
• bathroom floor?

These are tough, tough situations. Many people believe Medicare will cover their expenses, but it only pays for 30 days of coverage after you have been hospitalized. If you have not been hospitalized, then the financial burden rests solely with you. And that burden averages $6,000 per MONTH in Colorado.

Long Term Care insurance pays for 3 levels of coverage: home health services, assisted living situations, and nursing home care. With LTC, you receive licensed medical care and the time you spend with family is quality. As with life insurance, the price of this coverage is best when purchased before major medical conditions arise.

Get your long term care insurance quote started today!