Life

Life Insurance

As brokers our agency represents numerous reputable life insurance companies. We can provide a wide range of products with competitive rates to fite your individual needs.

Why should I buy life insurance?

Many financial experts consider life insurance to be the cornerstone of sound financial planning. It can be an important tool in the following situations:

  • Replace income for dependents -If people depend on your income, life insurance can replace that income for them if you die.
  • Pay final expenses -Life insurance can pay your funeral and burial costs, probate and other estate administration costs, debts and medical expenses not covered by health insurance.
  • Create an inheritance for your heirs -Even if you have no other assets to pass to your heirs, you can create an inheritance by buying a life insurance policy and naming them as beneficiaries.
  • Pay federal “death” taxes and state “death” taxes -Life insurance benefits can pay estate taxes so that your heirs will not have to liquidate other assets or take a smaller inheritance.
  • Make significant charitable contributions -By making a charity the beneficiary of your life insurance, you can make a much larger contribution than if you donated the cash equivalent of the policy’s premiums.
  • Create a source of savings -Some types of life insurance create a cash value that, if not paid out as a death benefit, can be borrowed or withdrawn on the owner’s request.

 

Even if you have group health insurance, you should consider inidividual life insurance.Life Insurance premiums are often less expensive than one would expect.

Contact Us today. We are centrally located in Denver,Colorado. 303-759-4551