Expertise.com
2024

Last updated:

Best Life Insurance Companies in Westminster

Our Recommended Top 9

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Westminster 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.

5018

Reviewed

3014

Curated

9

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
757E East 20th Avenue, Denver, CO 80205
  • Life Insurance
  • Health Insurance
  • Long Term Care

Why choose this provider?

Community Insurance Options is a local and independent insurance agency that serves the Westminster community and nearby areas. It offers insurance products from a diverse selection of carriers, allowing clients to choose a policy that matches their individual needs. It provides life, health, long-term care, dental, vision, and Medicare insurance plans. Its team members have decades of experience working in the healthcare and insurance industries and government assistance programs. They also handle benefits coordination and policy reviews.

License Verified:

License: 498295

Colorado Department of Regulatory Agencies, Division of Insurance

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
8791 Wolff Court, Westminster, CO 80031
  • Life Insurance
  • Health Insurance

Why choose this provider?

Bruce Vezina is a State Farm agent serving businesses and individuals in the Westminster metro. He offers a range of life insurance policies, including universal, whole, and term life insurance. These life insurance policies cover the clients' mortgage debts and support the financial needs of their families. Vezina also helps clients acquire health, homeowners, business, and renter's insurance. He has been a part of the company since 1982. He is a former chairperson of the Westminster Human Services Board.

License Verified:

License: 10597

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.
4.2
Google
4.0 / 5 (15)
Yelp
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
Friendliness
Helpfulness
Detail

Website
3640 West 112th Avenue, Westminster, CO 80031
  • Life Insurance
  • Health Insurance

Why choose this provider?

Conexus Insurance Partners is a full-service and independent insurance agency headquartered in Westminster. A third-generation family business, it has been serving the community since 1967. Its team of insurance agents helps individuals secure life insurance policies. In addition, they also offer auto, home, health, business, and general liability insurance products. Conexus Insurance Partners works with various local charity foundations, such as the Food Bank of the Rockies, an organization with an aim to help people facing hunger.

License Verified:

License: 44575

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 (165)
Facebook
5.0 / 5 (25)

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
11001 West 120th Avenue, Broomfield, CO 80021
  • Life Insurance
  • Health Insurance

Why choose this provider?

The Head Insurance Group, Inc., offers several insurance products, including life, auto, business, and home insurance to residents of Westminster and the surrounding areas. David H. Head, the owner of the company, has over 25 years of experience in the industry. He specializes in property and casualty claims, management, quality assurance, and training. Clients can choose from over 50 insurance companies represented by the business. David has three grown children and currently lives in Arvada with his wife.

License Verified:

License: 458925

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
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
Friendliness
Helpfulness
Detail

Website
400 McCaslin Boulevard #109, Louisville, CO 80027
  • Health Insurance

Why choose this provider?

Colorado Affordable Health is an independent insurance agency that offers health insurance for individuals, self-employed, and their families in Westminster and other locations. Eric Smith, its health insurance specialist, has been in the industry for 10 years. The agency has life insurance products suitable for clients' needs and situations. It has whole life, term life, and critical illness rider coverage. It also provides specialized insurance plans. Kaiser, Bright Health, Bluecross, and Cigna are some of the carriers it represents.

License Verified:

License: 454298

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.
4.4
Facebook
4.3 / 5 (4)
Yelp
5.0 / 5 (1)

Website
9100 West 100th Avenue, Westminster, CO 80021
  • Life Insurance
  • Health Insurance

Why choose this provider?

Scott Schulze is a State Farm insurance agent serving the Westminster community and its surrounding communities. Scott, who has been with State Farm since 2013, assists customers with individualized personal life and health insurance plans to protect clients and their assets against any unforeseen circumstances. He and his team also provide assistance with auto, home, business, as well as pet insurance. A dog lover himself, Scott encourages clients to bring pets along to meetings at his dog-friendly office.

License Verified:

License: 571450

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 (63)
Facebook
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
4800 West 80th Avenue, Westminster, CO 80030
  • Life Insurance

Why choose this provider?

Financial Dimensions LTD is a full-service insurance agency with two locations in Colorado. It has been assisting residents in Westminster and surrounding areas with their insurance needs since 1978. The agency, a partner of Continental Insurance, works with 40 companies to provide a range of insurance options like the term, whole, and universal life and auto, home, business insurance. Financial Dimensions LTD is a Strategic Insurance Agency Alliance (SIAA) and the Continental Insurance Agency Alliance.

License Verified:

License: 44942

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 (1)
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
4175 Harlan Street, Suite 130, Wheat Ridge, CO 80033
  • Military Discount

Why choose this provider?

Active Insurance Agency, Inc., provides families and businesses in Westminster with the protection plans they need. For clients looking for pet insurance, the company is available to help. It offers pet insurance that covers medical procedures, diagnostic tests, preventive care, and other health-related concerns. It also offers a policy that reimburses owners of stolen animals. Other personal and business insurance plans cover auto, home, general liability, and business interruption. The company represents many carriers. It also helps clients in claims recovery.

License Verified:

License: 45304

Colorado Department of Regulatory Agencies, Division of Insurance

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
12995 Sheridan Boulevard, Broomfield, CO 80020
  • Life Insurance

Why choose this provider?

Kyle Insurance Group LLC is a family-owned and family-operated insurance agency that serves Westminster and nearby areas. It has been helping individuals, families, and business owners with their insurance needs since 1996. The insurance agents from this firm help clients understand how life insurance policies contribute to securing financial stability for their families' future. They also assist those looking for home, auto, or business insurance plans. Clients have commended them for being thorough and supportive.

License Verified:

License: 317565

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 (57)
Facebook
4.0 / 5 (7)
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

Frequently Asked Questions

  • How do you apply for juvenile whole life insurance in Westminster?

    Submitting an application on your child's behalf is the first step in obtaining juvenile whole life insurance in Westminster. The policy remains under the ownership of the purchasing adult until the insured minor reaches adulthood. Subsequently, an underwriter will assess the child's medical background to ascertain the suitability of the application and establish the risk category. The requested coverage amount and the child's gender, age, and risk category will all be taken into account when determining the premium.

  • What are the advantages of collaborating with an independent life insurance agent in Westminster?

    In contrast to captive agents who have restricted access to their company's policies, independent life insurance agents offer a broad perspective of the Westminster life insurance market. Independent agents, not tied to a single company, analyze the market and leverage their connections to secure the best policy at the best price for you. Additionally, they always have your best interests in mind.

  • What are some additional riders and benefits that can improve your life insurance coverage in Westminster?

    Here are typical riders for boosting your Westminster life insurance policy:

    • Accelerated death benefit enables you to access part of the death benefit when facing terminal illness.
    • Guaranteed insurability permits purchasing extra coverage at set intervals without a medical exam.
    • Waiver of premium waives premium payments if the policyholder suffers a disability.
  • What is survivorship life insurance in Westminster?

    Survivorship life insurance in Westminster covers two individuals, usually a married couple. The beneficiary does not receive the death benefit until the second insured person passes away. In other words, it pays out after the demise of both parties. It's commonly available as universal life or whole life policies. It aids in estate tax planning by delaying the payout until the passing of the second person, thus assisting with inheritance taxes.

  • How does stress affect your life insurance rates in Westminster?

    You normally need to submit your medical documents and undergo a medical exam in order to apply for life insurance in Westminster, so your rates may be greater than those of a person who does not exhibit indicators of stress, such as low energy, difficulty relaxing, chest aches, insomnia, and other issues.

  • 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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