Life insurance guarantees that in the event of your passing, your insurance provider will provide your family with the means to handle the financial obligations left behind, as well as maintain their quality of living. Life insurance coverage has a minimal cost in comparison to the value gained. The average funeral costs $10,000. Can your family afford this, plus the lack of your financial contribution to the household? Seeking life insurance quotes can help you find affordable insurance that will protect your family in the future.                                               Read More

How Do I Make My Choice? By educating yourself about the two basic types of life insurance coverage-term life insurance and permanent life insurance—you have taken the first step toward determining what type of life insurance policy makes sense for your own unique situation. You also understand that your needs may change over time and that a combination of both term and permanent life insurance options may likely be a useful strategy for you throughout your life.

The choice between term life insurance and permanent life insurance is a trade-off. There is an upfront cost savings with term life insurance as compared to permanent life insurance. That savings could be put into other investments and could potentially provide a greater return. However, term life insurance policies are not for everyone and they don’t last a lifetime. Permanent life insurance policies do, and they accrue interest on their own cash value.

Beyond these two basic types of life insurance, there are a multitude of options offered in each category. Now that you understand the basics, your next step should be to Read More to help you determine the best life insurance strategy for you, given your own unique situation, then Contact Us.

 Financial Products

Annuity, Life, Long Term Care

        ·         American General - AIG

·         Allianz Life Insurance Company of North America

·         Aviva

·         Genworth Financial

·         ING

·         John Hancock

Life and Disability Insurance
Life and disability insurance protects the business against the death or disability of key employees. For example, one partner carries a life insurance policy naming the partnership as a beneficiary. If that partner dies, and the business has planned properly, the proceeds of the policy can be used by the business to buy out the share of the decedent's partnership interest from the estate.                             Read More

Colorado’s Long-Term Care (LTC) Partnership is an alliance between the private insurance industry and the state government to help Colorado residents plan for future long-term needs without depleting all of their assets to pay for care.  It is designed to encourage and reward Colorado residents for planning ahead for future LTC needs.                                   Read More