Comparing Colorado life insurance quotes online is a very simple process. With some sound advice, we can give you all the confidence and knowledge you need to make a great buying decision.
Here are ways people waste time shopping for life insurance with little to no success. This is what you never want to do!
- Navigating from one website to another for days hoping to find the lowest premiums, only to get more confused with each day.
- The same routine of reviewing comparisons from the same life insurance companies on one website as on many others.
- Looking at types of policies and plan designs that they simply do not fully understand.
- Running quote engines and using a health classification from the drop down menu that they don’t qualify for. Many people will have multiple serious medical conditions and they are reviewing “SuperPreferred” rates.
- Comparing the exact same premiums on many websites not realizing life insurance rates are regulated by law in every state. Nobody can sell the same insurers products for less or more than another.
If this reminds you of what you have be experiencing, no worries. A large percentage of life insurance shoppers search the internet only to get exhausted and actually never end up buying life insurance. The dependents will bite the bullet with a financial crisis after they pass when professional help could be had with no cost or obligation what so ever.
First, connect with an independent life insurance agent
If you try comparing life insurance by yourself you will probably get quickly confused. This is due to all the different choices in plan designs, companies and insurance terminology.
Even the professionals can get confused because of the fast changing market and product line. Your best choice will always be an independent life insurance agent that specializes in Colorado life insurance.
The independent insurance agents normally are licensed to sell life insurance from all the top rated life insurance companies. Our office uses over 40 trusted companies to enable us to shop the market. We can then make sure we are getting the very lowest rates for our new applicants.
Where can I find the best Colorado life insurance quotes?
If you appreciate great customer service and a huge selection of companies to choose from, our agency will be an excellent choice. We have over 25 years helping consumers find the best plan design at the lowest rates. For many years, we have been partnered with all the most competitive life insurance companies. We can easily guarantee the best life insurance rates possible because we always shop the entire market for our applicants.
Your main choices are term and universal life plan designs
The term policies are basically temporary policies that have common term lengths of 10, 15, 20 and 30 years. You can also purchase these types of plans with a no medical exam version. By far, the most popular plan designs are term policies. If you need a high face amount otherwise known as a death benefit. Term life insurance will be able to purchased at the lowest premium by far. Also, so you can have a larger face amount and a very affordable premium that will not break your wallet. Whole Life insurance is rarely sold since the universal life insurance products were introduced. Whole life insurance is still popular for final expense policies to cover funeral expenses.
Low cost Term life insurance will be your best choice
All good term life insurance plan designs also have “conversion rights”. This allows you to convert your term life plan to a universal life plan design which is permanent type insurance. This type of insurance never ends as long as you pay your premiums. The only effect to this is the premium would increase to a universal life premium at an older age group at the time you make your conversion. You will be money ahead to apply for a longer term period so you are not put into this position. There are many highly rated companies that offer Colorado term life insurance quotes. You can review them all on our quote engine which is free for you to use as much as you would like.
Companies with the lowest rates
There are quite a few excellent A+ rated life insurance companies you can choose from. Out of all the best Colorado life insurance companies will be the one company that offers you the lowest rates. The lowest rates is what everyone is concerned with. Why spend any more than you have to? This will also depend on your specific information such as age, health, occupation, and lifestyle.
- Banner Life
- Protective Life
- American National
- American General
- Principal Financial
- Lincoln Financial
- SBLI (Savings Bank Life Insurance)
Medical conditions, hazardous occupations and sports can impact your rates
If you have any serious medical conditions or even a hazardous job, your rates could be effected. Even a dangerous sport that you are involved with such as rock climbing or scuba diving can have an effect. An independent agent will know from experience what companies would be the most applicable for you to apply with. Choosing the correct company will be very important.
The end result will land you the lowest rates possible. This is where the independent agents unlike captive agents like State Farm and Allstate really excel. They can shop the entire market to find the lowest rates. High risk occupations, sports and hobbies are treated just like a medical condition. A quick and simple medical pre-screen will help you get an accurate idea on what health classification you will qualify for.
Activate our quoting system to instantly compare the best Colorado life insurance quotes
If you are ready to start comparing plans designs and premiums. Simply complete the form on the right side of this page and you can begin comparing all the lowest rates. These rates will be from the most competitive companies in your state. All of the best life insurance quotes are displayed on our quoting system. This will give you a little experience and we can help give you a more accurate quote if you have any health concerns.
We use over 40 of the most trusted and competitive life insurance companies. We make sure we always know what company would offer the lowest rates. Run our quote engine and you will receive immediate life insurance quotes for your individual life insurance needs and budget.
Telephone applications are simple and take about 15 minutes
As a rule, nobody likes to take on the job of completing a long paper application. They are very time consuming and it is easy to miss a question on any one of the close to 20 pages. We threw out paper applications along with yesterdays newspaper. Our office uses the quick and easy telephone applications from SnapApp. Take a moment to read our understanding the application process blog post to shed some light on how to apply for life insurance.
Applying for Colorado life insurance online is a snap
With all of the modern advantages such as instant online life insurance quotes and quick telephone applications, purchasing life insurance is a simple process. If you decide to purchase a product that does not require a physical exam. You could be approved in less than 24 hours. Feel free to contact us 7 days a week for answers to all your questions with no cost or obligation.
All the best,