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2024

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Best Life Insurance Companies in Highlands Ranch, CO

Our Recommended Top 10

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Highlands Ranch Life Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

4498Reviewed

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10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

8000 South Lincoln Street, Littleton, CO 80122
WebsiteLicense: 134089

Expertise.com Rating

Review Sources

Google
5.0 (30)
Facebook
5.0 (15)
Yelp
3.0 (3)

Why choose this provider?

Stanton Insurance serves the insurance needs of individuals, families, and businesses in Highlands Ranch and the surrounding communities. It is an independent insurance agency with agents that create customized insurance plans for clients. It carries life insurance, home, auto, and umbrella insurance. Amy Stanton, a Colorado native, has 19 years of insurance experience that started when she worked for her father’s exclusive agency. She moved to Highlands Ranch in 2004 and moved to the independent insurance world in 2011.

  • Life Insurance

8361 North Rampart Range Road, Littleton, CO 80125
WebsiteLicense: 427577

Expertise.com Rating

Review Sources

Google
5.0 (970)
Facebook
4.0 (13)

Why choose this provider?

Trailstone Insurance Group is a Littleton-based agency that provides services to families and individuals in the Highlands Ranch metro. It is an independent insurance agency that works with more than 70 carriers in creating customized coverages, including travelers, progressive, and foremost. The company helps clients acquire life insurance plans that may include universal, whole, and term coverages. It also deals with other personal policies, such as flood, earthquake, homeowners', renters', and landlords' protection coverages. Trailstone Insurance Group was established in 2013.

  • Life Insurance

1745 Shea Center Drive, Highlands Ranch, CO 80129
WebsiteLicense: 262993

Expertise.com Rating

Review Sources

Google
5.0 (67)
Facebook
4.8 (34)
Yelp
5.0 (8)

Why choose this provider?

Niederman Insurance Agency has been serving individuals, families, and businesses in Highlands Ranch for almost a decade. It provides life insurance, health insurance, dental insurance, and vision insurance for individuals and groups. It also offers coverage for disability, accidents, and long-term care. In addition, the agents from the company carry employee benefit plans. Niederman Insurance Agency works with multiple insurance companies, such as the Value Benefits of America, Midland National Life Insurance Company, and Bright HealthCare.

  • Life Insurance
  • Health Insurance

8191 Southpark Lane, Ste 109, Littleton, CO 80120
WebsiteLicense: 109509

Expertise.com Rating

Review Sources

Google
5.0 (9)
Yelp
5.0 (1)

Why choose this provider?

Insurance Specialists of Colorado is an independent agency that assists Highlands Ranch residents in selecting life insurance policies. Its team of insurance professionals commits to taking the time to learn about its clients' financial goals before providing personalized recommendations that match their needs. The company also offers insurance products to clients with other coverage needs, such as home insurance, commercial insurance, and auto insurance. Insurance Specialists of Colorado aims to offer products only from reputable carriers like Nationwide and Safeco Insurance.

  • Life Insurance
  • Individual Plans

9090 South Ridgeline Boulevard, Highlands Ranch, CO 80129
WebsiteLicense: 187987

Expertise.com Rating

Review Sources

Google
5.0 (18)
Facebook
5.0 (2)

Why choose this provider?

Scott Cohen Agency is an independent insurance agency that serves individuals and commercial enterprises in the Highlands Ranch area. The full-service company works with multiple carriers to offer life insurance products that cater to the needs of its clients. The agents from the company aid their customers in finding suitable coverage plans and assist them throughout the insurance process. Since 2003, Scott Cohen Agency has also been providing auto, disability, home, professional and commercial general liability, and workers' compensation insurance.

  • Life Insurance

2209 W Wildcat Reserve Pkwy Unit E-4, Highlands Ranch, CO 80129
WebsiteLicense: 493102

Expertise.com Rating

Review Sources

Google
4.3 (12)
Yelp
5.0 (1)

Why choose this provider?

Eric Mathews is a second-generation State Farm agent offering life insurance products to individuals in the Highlands Ranch area. He helps his clients secure their families' future with three types of life policies—term, whole, and universal insurance. He assists in paying off debts, funding college fees, paying a mortgage, and maintaining a standard of living. Mathews also learns about his client's insurance needs and budgets before curating a policy. The other insurance products he handles include auto, homeowners, renters, and business.

  • Life Insurance

2014 Stratford Ct, Highlands Ranch, Co 80126
WebsiteLicense: 21129

Why choose this provider?

Mark K. Phillips is an investment adviser representing Eagle Strategies, LLC, an insurance agency that serves individuals and groups in the Highlands Ranch metro and its surrounding areas. Through the firm, Phillips offers life insurance products that can be used to supplement policyholders' retirement incomes. Comprehensive financial products, including mutual funds, self-directed Individual Retirement Accounts, and fund plans for companies are also available. Phillips is licensed to provide advice to clients in Colorado, California, and Illinois.

  • Health Insurance

3200 Cherry Creek South Drive, Denver, CO 80209
WebsiteLicense: 589608

Expertise.com Rating

Review Sources

Google
5.0 (9)
Facebook
5.0 (1)

Why choose this provider?

Brendan Morrison represents New York Life as an insurance agent in Highlands Ranch. He and his agency can assist in varying life insurance policies, including term life, whole life, universal life, and variable life. Brendan also specializes in long-term care insurance, retirement planning, and financial management. Before entering the insurance industry, Brendan served in the army for almost four years, with experience as an executive officer and a platoon leader. He was also a solutions specialist, then worked as an independent agent from 2018 to 2019.

  • Life Insurance

2305 East Arapahoe Road, Centennial, CO 80122
WebsiteLicense: 351368

Expertise.com Rating

Review Sources

Google
5.0 (21)
Yelp
5.0 (5)
Facebook
5.0 (4)

Why choose this provider?

Avalue Insurance is a local independent insurance brokerage firm, serving clients in Highlands Ranch and surrounding areas since 2010. It works with multiple insurance carriers to provide a variety of options. The company offers life and health insurance, including final expense and fixed annuities. Additionally, it can provide auto, property, and home insurance as well as risk-management options for businesses. Avalue Insurance gives back to the community through volunteering at Habitat for Humanity and launching tutoring programs with Denver public schools.

  • Life Insurance

4185 East Wildcat Reserve Parkway, Littleton, CO 80126
WebsiteLicense: 113374

Expertise.com Rating

Review Sources

Google
4.0 (9)
Yelp
5.0 (1)

Why choose this provider?

Nikki Dyer is a second-generation State Farm insurance agent who serves residents and businesses in Highlands Ranch. She offers a range of risk management solutions, including home insurance, life insurance, and health insurance, as well as annuities. She also provides banking services and coverage for automobiles, properties, and businesses. Her team has more than 20 years of experience in the insurance industry. Nikki has been a long-time resident of Highlands Ranch and a volunteer for the American Cancer Society.

  • Life Insurance
  • Health Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Stanton Insurance
8000 South Lincoln Street, Littleton, CO 80122
Trailstone Insurance Group
8361 North Rampart Range Road, Littleton, CO 80125
Niederman Insurance Agency
1745 Shea Center Drive, Highlands Ranch, CO 80129
Insurance Specialists of Colorado
8191 Southpark Lane, Ste 109, Littleton, CO 80120
Scott Cohen Agency
9090 South Ridgeline Boulevard, Highlands Ranch, CO 80129
Eric Mathews
2209 W Wildcat Reserve Pkwy Unit E-4, Highlands Ranch, CO 80129
Eagle Strategies LLC
2014 Stratford Ct, Highlands Ranch, Co 80126
Brendan Morrison
3200 Cherry Creek South Drive, Denver, CO 80209
Avalue Insurance
2305 East Arapahoe Road, Centennial, CO 80122
Nikki Dyer
4185 East Wildcat Reserve Parkway, Littleton, CO 80126

FAQs

  • How can whole life insurance benefit an individual in Highlands Ranch?

    An individual in Highlands Ranch can get lifetime protection with whole life insurance. There are several ways policyholders can obtain benefits from this type of insurance. One, policyholders can tap into the cash value component while they are still alive and use it for various financial needs, including debt payment and college education funding. Second, the death benefit can be used for final expenses and source of income for beneficiaries.

  • If you cannot locate the insurance policy of a deceased family member in Highlands Ranch, what should you do?

    To find a policy, use the online engine Life Insurance Policy Locator found on the website of the National Association of Insurance Commissioners. You can also contact the Colorado Division of Insurance at 800-930-3745 or visit its office at 1560 Broadway, Suite 850 Denver, CO 80202. CDI's email address is dora_insurance@state.co.us. Families in Highlands Ranch who recently had a death in the family are encouraged to check for any missing policy their deceased family member may have left behind.

  • Is an annuity in Highlands Ranch a life insurance product?

    No, an annuity is not a type of life insurance policy but is a kind of investment product. It is a contract between the policyholder and the insurance company in Highlands Ranch to provide benefits after a specified period or when certain conditions happen. Many life insurance companies usually offer annuities.

  • In what situations is the Colorado Life & Health Insurance Protection Association not able to help policyholders in Highlands Ranch?

    If the policyholder's insurance company officially went out of business before July 1, 1991, the Colorado Life & Health Insurance Protection Association cannot help anymore. In addition, the insurance company must be licensed in the state and the policyholder must be a state resident to be covered by the association. There are also a few conditions, such as financial limits, that may restrict the extent of help the association can provide a policyholder in Highlands Ranch.

  • Can you use benefits from life insurance in Highlands Ranch to pay off your mortgage?

    Yes. Depending on the conditions, benefits from life insurance can be used for various financial needs in Highlands Ranch. As an example, death benefits from all life insurance types can be used by beneficiaries to pay off mortgages. Similarly, the cash value component of life insurance can be withdrawn to pay for the mortgage balance while the insured is still alive.

  • 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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