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Best Life Insurance Companies in Colorado

Our Recommended Top 14

We did the research for you!

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

261014Reviewed

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14Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Colorado

Expertise.com Rating

Review Sources

Google
5.0 (406)
Yelp
5.0 (86)
Facebook
5.0 (78)

Why choose this provider?

Square State Insurance is an independent agency that offers life insurance policies to Colorado residents. It helps clients protect the future of their loved ones in the event of their sudden passing. The agency focuses on property and casualty insurance products, such as automobile, ATV, RV, motorcycle, and condo insurance plans. It also assists individuals and families with their umbrella, home, and renters' insurance needs. It aims to provide clients with all the necessary information to educate them about their options.

  • Health Insurance
  • Life Insurance

Colorado

Expertise.com Rating

Review Sources

Google
4.8 (24)
Facebook
4.8 (18)

Why choose this provider?

Staebell Insurance Group has life products for clients based in Colorado. These insurance plans include permanent and term policies that mature upon the death of the insured and cushion families against the loss of members. The team also delivers property indemnity contracts that cover automobiles, businesses, and residential spaces. Umbrella programs are on hand and extend to multiple classes of risks and assets. Staebell Insurance Group has been open since 1996 and is an independent agency.

  • Life Insurance

Colorado

Expertise.com Rating

Review Sources

Google
4.9 (74)
Yelp
5.0 (1)

Why choose this provider?

Glenwood Insurance provides services to clients in Colorado and its surrounding areas. It offers term, whole, and universal life insurance products to its customers. Its policies assist the client's family in the event of their death by paying a specific sum of money to the named beneficiaries. The company provides home, auto, health, travel, and pet insurance products. Glenwood Insurance has been helping customers since its founding in 1911. It works with insurance carriers such as Chubb Limited and Liberty Mutual Insurance.

  • Health Insurance
  • Life Insurance

Colorado

Expertise.com Rating

Review Sources

Google
5.0 (9)
Yelp
5.0 (3)

Why choose this provider?

Elkstone Insurance Group, Inc., has been serving clients in Colorado since 1999. The life insurance policies it offers have coverage for funeral expenses, debt payments, and daily expenses. It works in partnership with more than 20 companies to craft protection plans that fit the specific needs of each client. Elkstone also provides home, condo, auto, recreational vehicle, landlord, and disability insurance. Martin A. Sajbel, its principal insurance agent, has been in the industry since 1994.

  • Life Insurance

Colorado

Expertise.com Rating

Review Sources

Google
4.6 (37)
Yelp
5.0 (1)

Why choose this provider?

All Access Insurance serves Colorado by matching policy buyers with the insurance products and coverages that fit their needs. The agency assists clients with selecting from various insurance options, including life, business, health, auto, and home. With life insurance, clients may replace an income, pay mortgage fees, or gain financial security for their loved ones. All Access Insurance comprises a team of executives and staff with a collective industry experience of more than six decades.

  • Health Insurance
  • Life Insurance

Colorado

Expertise.com Rating

Review Sources

Google
4.9 (80)
Facebook
4.8 (56)
Yelp
4.5 (2)

Why choose this provider?

Brukhouse Insurance offers policies to Colorado residents. It provides personalized life insurance to help clients plan their future and assist in fulfilling their loved ones’ financial requirements after their death. The company works with more than 50 insurance providers to provide rates and coverage that fit its clients’ needs. The company’s owner, Dave Brukiewa, leads the team with an aim to inform people how to manage risk and save money through insurance. He built his independent business in 2012 to offer clients more insurance options.

  • Whole Life Insurance

Colorado

Expertise.com Rating

Review Sources

Google
5.0 (89)
Facebook
5.0 (11)

Why choose this provider?

RightQuote has been providing risk management solutions to individuals and families in Colorado since 2020. It furnishes a wide selection of personal protection plans, including life insurance. The independent agency customizes term, universal, and whole life policies to secure beneficiaries' futures in case of policyholders' death. It also offers health, homeowners', auto, as well as employment practices liability and key employee insurance. RightQuote works with various carriers, such as Hagerty, Liberty Mutual, AllState, and Travelers.

  • Health Insurance
  • Life Insurance

Colorado

Expertise.com Rating

Review Sources

Facebook
5.0 (22)
Google
4.3 (11)
Yelp
5.0 (1)

Why choose this provider?

Manor Insurance Agency Inc. caters to clients in the Colorado area. The company offers term and whole life insurance plans and evaluates the needs of individuals to determine which products provide the proper coverage. Its team writes policies for automobiles, homes, businesses, and motorcycles. It partners with carriers like Liberty Mutual, Nationwide, Continental Western Group, Zurich, and Dairyland Auto. The fourth-generation and family-owned company has been serving the personal and commercial insurance needs of the community since 1947.

  • Health Insurance
  • Life Insurance

Colorado

Expertise.com Rating

Review Sources

Google
4.8 (20)
Facebook
4.9 (19)

Why choose this provider?

insureU Colorado offers its policies and consultation services to individuals and families throughout the local metro. Its agents help clients identify their long-term goals involving domestic affairs, income replacement, and the continuation of business-related undertakings for the scope of their chosen life insurance plan. They also offer supplemental choices involving child care and the educational futures of children in case of a parent's untimely passing. They provide a variety of comprehensive products that are supported by different carriers, which include American Modern, MetLife, and Travelers.

  • Life Insurance

Colorado

Expertise.com Rating

Review Sources

Google
4.8 (45)
Facebook
5.0 (6)

Why choose this provider?

Bird Family Insurance Agency is an independent firm that offers life insurance policies in Colorado. The company offers whole, universal, and variable universal life insurance policies. It also provides Medicare Supplements and Medicare Advantage plans and helps clients choose the right plan for their financial needs. Bird Family believes in educating the community to know its best insurance options. It works with businesses to handle their crop insurance, cyber liability, group life, and workers' compensation coverage.

  • Life Insurance

Colorado

Expertise.com Rating

Review Sources

Google
4.2 (42)
Facebook
4.4 (19)

Why choose this provider?

Taggart Insurance is an entrepreneur-owned agency that has been serving individuals and businesses in Colorado and its surrounding areas for more than 80 years. It provides life insurance policies to help clients protect their income or any potential future earnings for their families if they pass on. Its agents also offer homeowners', personal umbrella, small business, contractors', vehicle, and workers' compensation insurance products. The company is led by Mike Taggart, who holds the CIC and CPCU designations.

  • Health Insurance
  • Life Insurance

Colorado

Expertise.com Rating

Review Sources

Google
4.8 (64)
Facebook
5.0 (19)
Yelp
5.0 (2)

Why choose this provider?

Bruce Anderson Insurance accommodates the long-term domestic and financial needs of individuals and families throughout the Colorado area. Its staff offers life insurance policies that provide income replacement, facilitate the continuation of domestic affairs, and deliver financial support for a decedent's loved ones. It tailors its products' scope of coverage using its familiarity with various insurance-related obstacles that affect claims involving accidents and mishaps in the region. To date, Bruce Anderson Insurance has catered to more than 700 households within the local state.

  • Life Insurance

Colorado

Expertise.com Rating

Review Sources

Facebook
5.0 (54)
Google
4.7 (32)
Yelp
4.0 (1)

Why choose this provider?

Home Loan Insurance has been serving Colorado for more than 116 years. It provides life insurance plans for different types of clients, including small business owners, single parents, married couples with kids, and young professionals. Its team of professionals assists in searching for life insurance plans that cover various goals, such as funding future plans and providing for end-of-life expenses. The company was named by The Denver Post as one of the 2015 Top Workplaces’, Workplace Achievers.

  • Life Insurance

Colorado

Expertise.com Rating

Review Sources

Google
4.9 (79)
Facebook
5.0 (39)

Why choose this provider?

Since 1995, CO Insurance Specialist has been offering coverage plans tailored to the individual circumstances and needs of Colorado residents. It helps clients prepare for the financial effects of unexpected or untimely death through life insurance. The agency also carries auto, classic car, home, business, specialty, and umbrella policies through various carriers, such as CNA, Nationwide, Progressive, Safeco, SECURA, and The Hartford. Second-generation owners Lisa Folks and Jackie Kabili work as insurance agents in the firm.

  • Life Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Square State Insurance
1312 17th St STE 188, Colorado, CO 80202
Staebell Insurance Group
2124 Ford St, Colorado, CO 80401
Glenwood Insurance
1605 Grand Avenue, Suite K, Colorado, CO 81601
Elkstone Insurance Group, Inc.
355 S. Teller St. Suite 200, Colorado, CO 80226
All Access Insurance
Colorado, CO
Brukhouse Insurance
2930 Austin Bluffs Parkway #305, Colorado, CO 80918
RightQuote
685 Citadel Dr E, Suite 365, Colorado, CO 80909
Manor Insurance Agency Inc
1325 S Colorado Blvd #210, Colorado, CO 80222
insureU Colorado
12235 Pecos St, Ste 300, Colorado, CO 80234
Bird Family Insurance Agency
125 Grand Avenue #B, Colorado, CO 81501
Taggart Insurance
1680 38th Street, Colorado, CO 80301
Bruce Anderson Insurance
4860 County Hwy. 73 Suite A, Colorado, CO 80439
Home Loan Insurance
205 N. 4th Street PO Box 100, Colorado, CO 81501
CO Insurance Specialist
6990 W. 38th Ave. #200, Colorado, CO 80033

FAQs

  • 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.

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