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Permanent Life Insurance protects your family for a lifetime and much more

One of your biggest concerns in life is how your family would be taken care of if you were to die. Which type of life insurance policy is best to accomplish this?

  • Permanent Life Insurance (Whole Life, Universal Life, and Indexed Universal Life) offers the distinct advantage of locking in your premium at a younger age for a lifetime… and much more.
  • Permanent life insurance can be a smart, tax-advantaged way to grow your hard-earned money without the ups and downs of the market.
  • Many Permanent Life Insurance policies now offer living benefits. This feature allows policy owners to access a portion of their death benefit while you are living if you are diagnosed with a chronic, critical or terminal illness.
  • Permanent Life Insurance (specifically Universal Life and Indexed Universal Life) offers flexibility. Since your policy builds cash value you may be able to increase, decrease or even ship a premium payment.

Contact a Mountain Insurance Life Insurance adviser to assist you to determine which permanent life insurance policy is best for you.

The simple way to access Permanent Life Insurance options in Denver.

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We “shop the market to find you the best insurance value

We work for you, not the insurance companies.

We design a plan to fit your budget

We feel Life Insurance is a necessary coverage. We will propose a solution that you can afford.

We can find coverage for your lifestyle

Marijuana user? Diabetic? We can find coverage
for hard to place risks.

Most common Denver Permanent Life Insurance questions from our clients

What are the disadvantages of permanent life insurance?

There really are no disadvantages to permanent life insurance. However, the initial cost of Permanent Life Insurance policy premiums can be a deterrent to some people. Unlike Term Life Insurance, premiums are based on a lifetime and therefore initially more expensive, however, less expensive in the long run. For this reason, we often propose a blend of Term Life and Permanent Life Insurance for many of our clients.

What is the difference between Whole Life and Universal Life?

The primary difference is Whole Life Insurance offers the strongest guarantees (premium, death benefit, and cash values) of any Permanent Life Insurance plan. Universal Life and Indexed Universal Life policies cannot guarantee all 3. However, Universal Life policies offer premium flexibility which allows the policyholder to increase, decrease or even suspend premium payments if necessary. In addition, Indexed Universal Life, specifically, offers investment options that provide a better return than what you’ll see in a whole life policy.

What is the difference between Universal Life and Indexed Universal Life

What differentiates the Indexed Universal Life (IUL) policy from a Universal Life (UL) is that the growth of the policy’s cash value is based on the performance of an equity index (usually the S&P 500), rather than based on a flat crediting rate that is established by the insurance carrier and adjusted from time to time on the UL policy. In simple terms, it means the potential for cash value growth is much greater with an IUL (in 2019 the S&P index grew 28.88%). An added benefit is the IUL has a 0% floor which insulates you from a year like 2018 (-12.5%).

Mountain Insurance

The right coverage at the best price. Colorado's trusted insurance advisers since 1997

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We are dedicated to providing our clients with the highest quality in business and personal insurance products and services at the most competitive prices in Denver, CO.

3705 Kipling Street, Wheat Ridge, CO 80033
303 420-4774