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Looking for quality life insurance in Colorado? Our life insurance brokers are happy to help you compare policies, prices, features, and financial reputation for several of the area’s top-rated companies.
Term or Whole Life Insurance?
Unsure which type of policy you need? Term life insurance provides protection for a specific length of time — 10, 15, 20, and even 30 years. A term life insurance broker can show you the ropes of an easy, affordable way to provide security for a growing family, with the confidence they’ll be protected for the length of time you choose.
If you’re looking to secure coverage that will not end in a specified amount of time, but will continue until death, whole life insurance is a good choice. A whole life policy is a permanent life policy that offers loved ones’ complete protection now and in the future.
Life Insurance — Laws and Regulations
Grace period. Companies are required by law to provide a one-month grace period. This means, if you miss a payment, your policy remains effective for one month. In the event a death occurs during your grace period, your carrier must pay the claim.
Guarantee. Policyholders are protected in the event an insurance company becomes insolvent. Term life insurance policies are protected up to $300,000.
Swift and timely claims settlement. Most life insurance claims are paid within a 2-month period. Insurance companies that do not pay in a timely manner may be subject to fines or sanctioned by the state.
Did You Know?
Did you know that life insurance policies cost the same whether you pay for Colorado life insurance, are insured in Ohio, or anywhere else in the United States? The monthly premium is set by the insurance company and approved by the State Insurance Department. However, certain states may offer different plans at different rates, and not all companies offer policies in every state. A life insurance independent broker with ToInsure.Me can help you navigate the many intricacies of a life insurance plan.
Dependable Life Insurance Quotes — Fast and Affordable
Whether you decide on a short term or permanent, both will help secure financial protection for loved ones in the event of unexpected tragedy. As one of your trusted life insurance brokerage firms, and with reliable options for every budget, we’re here to help you find the perfect plan to fit your needs — and your budget.
Comparison shopping is the easiest way to see what’s available for you and your family. Browse free online quotes from top-rated carriers and find what you’re looking for without a hassle.