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Best Life Insurance Companies in Boulder

2024

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Providers

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Website
1790 38th Street, Boulder, CO 80301
  • Life Insurance

Why choose this provider?

Welch Financial Planning is an insurance service provider that caters to businesses, families, and individuals in the Boulder area. It helps its clients acquire life insurance, which includes term, permanent, and variable universal coverages. These policies can cover policyholders' medical bills, funeral expenses, income loss, and outstanding debts. In addition, Welch Financial Planning deals with other personal plans, such as homeowners', umbrella, auto, BOP, and workers' compensation insurance. Founder Tron D. Welch founded the company in 2007. He is a Certified Financial Planner.

License Verified:

License: 675555

Colorado Department of Regulatory Agencies, Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1295 South Broadway, Boulder, CO 80305
  • Life Insurance

Why choose this provider?

Toby Moser is a State Farm agent who provides financial protection to the residents of Boulder and the surrounding areas. He offers a diverse range of insurance products covering life, auto, home, property, and business insurance policies. Aside from insurance products, he also offers banking services and annuities. He has been active in the insurance industry since 1993. Outside of work, Toby enjoys sports and participates as a coach for Little League Basketball and Baseball. He has served as a member of the Boulder County CrimeStoppers Council.

License Verified:

License: 88790

Colorado Department of Regulatory Agencies, Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.0 / 5 (10)
Yelp
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1680 38th Street, Boulder, CO 80301
  • Life Insurance

Why choose this provider?

Taggart Insurance is a comprehensive insurance agency that covers businesses and individuals in Boulder and nearby areas. Established in 1933, the company provides life insurance programs for both first-time and seasoned policyholders. It can tailor each policy to fit a client's objectives, from providing for children to compensating for accidents. It also reviews existing life insurance plans to find any oversights, like missing coverages and expensive rates. Taggart Insurance also provides commercial insurance plans for small-time businesses, workers, and contractors.

License Verified:

License: 44548

Colorado Department of Regulatory Agencies, Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.8
Google
4.0 / 5 (37)
Facebook
4.0 / 5 (11)
Yelp
3.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2425 Canyon Boulevard, Boulder, CO 80302
  • Life Insurance

Why choose this provider?

Bolder Insurance is an independent agency serving families, individuals, and business owners in the Boulder metro. It is a life insurance service provider that helps clients acquire term and permanent life coverages. In addition, the company's insurance specialists offer other personal plans such as homeowners', auto, recreational, flood, and identity theft insurance. They also create insurance coverages for the manufacturing, restaurant, and hospitality industries. Bolder Insurance has been in the business since 1989. Owner Brent Friesth worked for American Family Insurance for 22 years.

License Verified:

License: 23029

Colorado Department of Regulatory Agencies, Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.1
Facebook
4.0 / 5 (30)
Google
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1637 Pearl Street, Boulder, CO 80302
  • Life Insurance

Why choose this provider?

Ivan Gerrity offers his 15 years of insurance expertise to Boulder clients. He is the owner and founder of Advantage Service Insurance, one of the nation's life insurance companies that offer auto, home, commercial, life, flood, artisan contractor insurance, and more. Being a property and business owner himself, Ivan established Advantage Service Insurance 1996 to help clients who have similar needs as him. He is committed to hiring staff who are empathetic and knowledgeable in the industry.

License Verified:

License: 80889

Colorado Department of Regulatory Agencies, Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
806 South Public Road, Lafayette, CO 80026
  • Life Insurance

Why choose this provider?

Young Insurance is a Lafayette-based company that extends its services to the Boulder metro. Its independent insurance agents help individuals who need assistance in obtaining life insurance plans that cover outstanding debts and funeral expenses. It can also support the financial needs of the clients' family members. The company's agents provide other personal plans, including auto, RV, home, and umbrella insurance. Young Insurance also handles general liability, commercial auto, and property insurance. It has been providing insurance solutions for more than 60 years.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (460)
Facebook
4.0 / 5 (19)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
385 Broadway, Boulder, CO 80305
  • Life Insurance

Why choose this provider?

Professional Financial Specialists, Inc., is an insurance agency that serves individuals and businesses in the Boulder metro. It works with a wide range of insurance companies, like Aetna, Humana, Kaiser Permanente, and MetLife. Its product line includes term and permanent life insurance policies, which cover debt settlements, income replacement, and long-term care expenses. Professional Financial Specialists was established in 1994. Its owner, Regan Turner, holds a degree in Finance and a Certified Financial Planner designation.

License Verified:

License: 46136

Colorado Department of Regulatory Agencies, Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2342 Broadway, Boulder, CO 80304
  • Life Insurance
  • Health Insurance

Why choose this provider?

Robert Erben is a State Farm insurance agent who handles the needs of Boulder residents and small businesses. He provides clients with life, health, auto, homeowners, and business insurance. He specializes in different types of life and health insurance products, including term life insurance, whole life insurance, HMO, PPO, EPO, POS, and HDHP. He also helps clients with financial services and out-of-state transfers. Robert is a long-time resident of Boulder and a member of the Boulder Chamber of Commerce and Longmont Chamber of Commerce.

License Verified:

License: 505561

Colorado Department of Regulatory Agencies, Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (143)
Facebook
5.0 / 5 (4)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1345 Plaza Court North, Lafayette, CO 80026
  • Life Insurance
  • Health Insurance

Why choose this provider?

Paul Hultgren represents State Farm under Paul J Hultgren Ins Agcy Inc. He has been a State Farm agent since 1979, serving Lafayette, Boulder, and the surrounding areas. He offers term, whole, and universal life insurance. Hultgren can accommodate existing policyholders who want to alter details in their insurance plans, like changing listed beneficiaries. He also deals with health, home, and commercial insurance. His agency has over 80 years of insurance experience. Hultgren, a graduate of Iowa State University, is a medical advocate and a frequent volunteer in community efforts.

License Verified:

License: 11449

Colorado Department of Regulatory Agencies, Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.3 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • What happens if an insurance company in Boulder becomes insolvent?

    If a Boulder insurance company becomes insolvent, the Colorado Life & Health Insurance Protection Association (COLIFEGA) steps in. COLIFEGA manages the dissolved assets, transitions insurance policies, and contacts impacted policyholders. Protection limits for life insurance benefits are up to $300,000, and net cash surrenders or policy withdrawals are up to $100,000.

  • What are the benefits of having life insurance in Boulder?

    For Boulder residents, life insurance provides financial security, particularly in the face of rising college costs for children. Tax breaks are frequently available for payouts. Importantly, holding a policy becomes prudent if health issues arise. Certain plans provide immediate protection, with no waiting period. Furthermore, many allow for adjusting the coverage amount and premiums to align with changing circumstances, even allowing for death benefit reductions or premium changes.

  • How do insurers categorize individuals for premium calculation in Boulder?

    In Boulder, individuals are typically classified into four groups: preferred, standard, substandard, and uninsurable. Rates rise in response to health conditions and risks. For example, those suffering from diabetes may face higher costs, while terminal illnesses frequently result in an uninsurable label. Risky jobs or hobbies can place you in the substandard category. Categorizations can differ by company, potentially influencing premium prices. Once insured, coverage continues until payments are stopped.

  • How do Survivorship Life Insurance policies function for Boulder residents?

    Survivorship Life Insurance, also known as Joint and Survivor Insurance in Boulder, protects two people, typically spouses. Payout takes place only after both parties have died, primarily to address estate taxes, which are deferred until both have died. They are less expensive than individual policies and are frequently included in estate plans for the wealthy. Beneficiaries' assets can be protected by using trusts or third-party ownership, but expert tax and legal advice is required.

  • What distinguishes Permanent Insurance for Boulder residents?

    Permanent insurance in Boulder has two main benefits. First, as long as the policyholder's payments are current, a guaranteed death benefit is paid to beneficiaries regardless of time. Second, this insurance accumulates cash value over time. Depending on the policy type, these savings can be borrowed against, withdrawn, or even invested. It is a type of insurance that has both protective and saving aspects.

  • Which is better, term or whole life insurance?

    Life insurance is a personal financial tool, so the right type of insurance for you depends on your goals and current situation. One of the main differences between term life insurance and whole life insurance is that term life insurance only covers you for a set period of time. Once you meet the premium payment requirements on a whole life plan, it covers you for the rest of your life. Whole life insurance also builds cash value, making it a potential investment. But whole life insurance is typically much more expensive than term life insurance.

  • How much life insurance do I need?

    A common recommendation is purchasing life insurance that is equal to five times your current salary, or more. But you can also estimate how much life insurance you need by adding up your debts, annual expenses for dependents multiplied by the years you want to ensure support, and any other items you wish to cover, such as a future wedding or college tuition.

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