We “shop the market” to find you the best insurance value
We shop ALL the life insurance companies to find you the best rate… guaranteed.
We design a plan to fit your budget
Life insurance is a necessary coverage, We will design a plan 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 Term Life Insurance questions from our clients
Do I need to complete a medical exam?
Most companies offer some sort of electronic application that does not require a medical exam. However, underwriting rules may still require an examination be completed depending on your age, death benefit amount and current health status.
What are the advantages of Term Life Insurance?
Clearly the advantage is the low cost. The shorter the term the more insurance you can buy. For example, a 40-year-old male can purchase $500,000 on a 20-year term for $27.76 yet a $1,000,000 policy is only $23.22 on a 10-year term.
What are the disadvantages of Term Life Insurance?
The biggest disadvantage is the long-term cost and the inability to lock in premiums at your current age for life. Today, a 40-year-old can purchase a 20-year, $1,000,000 year term for $48.80 per month. In 20 years, at age 60, the cost for another 20-year, $1,000,000 term is $387.60 monthly and that is if there is no change in the policyholder’s health status.
