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Best Life Insurance Companies in Highlands Ranch

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Avalue Insurance logo
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License Verified:

License: 351368

Colorado Department of Regulatory Agencies, Division of Insurance

Avalue Insurance

2305 East Arapahoe Road, Centennial, CO 80122
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  • Life Insurance

Business Description

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.

License Verified:

License: 351368

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

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
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Helpfulness
Detail
Brendan Morrison logo
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License Verified:

License: 589608

Colorado Department of Regulatory Agencies, Division of Insurance

Brendan Morrison

3200 Cherry Creek South Drive, Denver, CO 80209
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  • Life Insurance

Business Description

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.

License Verified:

License: 589608

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)
Facebook
5.0 / 5 (1)

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
Eagle Strategies LLC logo
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License Verified:

License: 21129

Colorado Department of Regulatory Agencies, Division of Insurance

Eagle Strategies LLC

2014 Stratford Ct, Highlands Ranch, Co 80126
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  • Health Insurance

Business Description

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.

License Verified:

License: 21129

Colorado Department of Regulatory Agencies, Division of Insurance

Eric Mathews logo
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License Verified:

License: 493102

Colorado Department of Regulatory Agencies, Division of Insurance

Eric Mathews

2209 W Wildcat Reserve Pkwy Unit E-4, Highlands Ranch, CO 80129
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  • Life Insurance

Business Description

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.

License Verified:

License: 493102

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 (12)
Yelp
5.0 / 5 (1)

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
Insurance Specialists of Colorado logo
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License Verified:

License: 109509

Colorado Department of Regulatory Agencies, Division of Insurance

Insurance Specialists of Colorado

8191 Southpark Lane, Ste 109, Littleton, CO 80120
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  • Life Insurance
  • Individual Plans

Business Description

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.

License Verified:

License: 109509

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)
Yelp
5.0 / 5 (1)

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
Niederman Insurance Agency logo
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License Verified:

License: 262993

Colorado Department of Regulatory Agencies, Division of Insurance

Niederman Insurance Agency

1745 Shea Center Drive, Highlands Ranch, CO 80129
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  • Life Insurance
  • Health Insurance

Business Description

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.

License Verified:

License: 262993

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.
4.9
Google
5.0 / 5 (67)
Facebook
4.8 / 5 (34)
Yelp
5.0 / 5 (8)

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
Nikki Dyer logo
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License Verified:

License: 113374

Colorado Department of Regulatory Agencies, Division of Insurance

Nikki Dyer

4185 East Wildcat Reserve Parkway, Littleton, CO 80126
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  • Life Insurance
  • Health Insurance

Business Description

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.

License Verified:

License: 113374

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
Google
4.0 / 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
Scott Cohen Agency logo
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License Verified:

License: 187987

Colorado Department of Regulatory Agencies, Division of Insurance

Scott Cohen Agency

9090 South Ridgeline Boulevard, Highlands Ranch, CO 80129
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  • Life Insurance

Business Description

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.

License Verified:

License: 187987

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 (18)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Stanton Insurance logo
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License Verified:

License: 134089

Colorado Department of Regulatory Agencies, Division of Insurance

Stanton Insurance

8000 South Lincoln Street, Littleton, CO 80122
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  • Life Insurance

Business Description

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.

License Verified:

License: 134089

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.
4.9
Google
5.0 / 5 (30)
Facebook
5.0 / 5 (15)
Yelp
3.0 / 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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Trailstone Insurance Group logo
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License Verified:

License: 427577

Colorado Department of Regulatory Agencies, Division of Insurance

Trailstone Insurance Group

8361 North Rampart Range Road, Littleton, CO 80125
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  • Life Insurance

Business Description

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.

License Verified:

License: 427577

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 (970)
Facebook
4.0 / 5 (13)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Back to Providers

Frequently Asked Questions

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.

How does life insurance work?

The details of how life insurance works depend on your individual plan, but the basics are as follows: 

  • You pay a premium to purchase the insurance. Typically the premium is paid monthly, but it could be rolled into quarterly, bi-annual, or annual payments. 
  • As long as you are meeting or have met premium obligations, if you pass away, the insurance company makes the agreed-upon payment to the beneficiaries you designated. 
  • Beneficiaries usually have to provide the insurance company with a death certificate to receive their payments.

How much is life insurance?

The cost of life insurance ranges widely. Term life insurance can cost as little as a few dollars a day, and whole life insurance can cost thousands per month on the high end. Factors that impact the cost of your life insurance include whether you're choosing term life insurance or whole life insurance, your age, how much coverage you want, your overall health, and your gender.

Is life insurance taxable?

Life insurance proceeds are the funds paid via your plan to your beneficiaries if you pass away. These are also called death benefits. Typically, these are not considered income for taxes. If you take out cash value from a whole life insurance investment and the amount exceeds how much you paid in premiums, the difference may be considered taxable income.


Can I buy health insurance that is not Obamacare?

When people say "Obamacare insurance," they typically mean insurance within the health insurance marketplace. You can get health insurance outside of the marketplace by going through your employer, choosing COBRA coverage if you leave your job, or buying a short-term health insurance policy through an insurance agent. ACA-compliant plans meet all the benefits and coverage requirements of the Affordable Care Act. But you may be able to find supplemental or short-term coverage that simply provides peace of mind for major medical expenses.

Can I buy health insurance anytime?

To buy health insurance in the marketplace, you must purchase it within open or special enrollment periods. But you can purchase short-term coverage to bridge the gap between now and the next open enrollment period. These plans are meant to be used for less than a year. You can purchase them online or via insurance agents, but they may not be ACA-compliant.

Who should buy supplemental health insurance?

Supplemental health insurance is a product that helps cover the cost of services that your primary health insurance policy doesn't. One popular option is secondary insurance that helps cover some of the costs associated with high deductibles. Medicare supplemental insurance is also popular. Medicare doesn't cover everything, and older adults on a limited income can face large prescription or medical bills after Medicare pays. Supplemental insurance helps reduce those patient costs.

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