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CO Insurance Specialist

6990 W. 38th Ave. #200
Wheat Ridge, CO 80033

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We Know Life Insurance

Life insurance can be an important part of your family's long-term financial planning. Before you buy life insurance, understand what life insurance is. Losing someone you love is something that no one wants to think about. With a life insurance policy, you can be sure your family is taken care of if something happens to you.

Buying Life Insurance

When you buy life insurance, you want coverage that fits your needs. First, decide how much you need—and for how long—and what you can afford to pay. Keep in mind the major reason you buy life insurance is to cover the financial effects of unexpected or untimely death. Life insurance also can be one of many ways you plan for the future.

Next, learn what kinds of policies will meet your needs and pick the one that best suits you.

Then, choose the combination of policy premium and benefits that emphasizes protection in case of early death, or benefits in case of long life, or a combination of both.

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Elderly couple smiling

How Much Do You Need?

Here are some questions to ask yourself:

  • How much of the family income do I provide? If I were to die early, how would my survivors, especially my children, get by?
  • Does anyone else depend on me financially, such as a parent, grandparent, brother or sister?
  • Do I have children for whom I’d like to set aside money to finish their education in the event of my death?
  • How will my family pay final expenses and repay debts after my death?
  • Do I have family members or organizations to whom I would like to leave money?
  • Will there be estate taxes to pay after my death?
  • How will inflation affect future needs?

Life Insurance Quote Form

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