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Best Life Insurance Companies in Thornton, CO

Our Recommended Top 15

We did the research for you!

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

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15Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

11684 Huron Street, Northglenn, CO 80234
WebsiteLicense: 13868

Expertise.com Rating

Review Sources

Google
4.0 (52)
Facebook
5.0 (14)

Why choose this provider?

McCabe Service Group Ltd is a family-owned independent insurance agency that serves personal and commercial clients in Thornton and its nearby areas. Its services include life, workers' compensation, pet insurance, and umbrella insurances. Its life insurance policies are divided into term, whole, and universal. McCabe's agents commit to customizing plans to completely address the concerns of the clients as well as their respective situations, capacities, and ages. McCabe Service Group Ltd has been lending its expertise on insurance concerns for over 23 years.

  • Life Insurance

8089 South Lincoln Street, Littleton, CO 80122
WebsiteLicense: 127586

Expertise.com Rating

Review Sources

Google
3.0 (15)
Facebook
4.0 (8)
Yelp
5.0 (1)

Why choose this provider?

Premier Group Insurance is an independent insurance agency serving the needs of Thornton and the surrounding areas. For more than 20 years, it has been providing a range of insurance products, including term and permanent life insurance. In addition, the firm is connected to dozens of insurance companies, allowing its clients to obtain the right home, auto, and business insurance coverages. Premier Group Insurance holds licenses in over 40 states and has more than 500 agents across the country.

  • Life Insurance

8380 Washington Street, Thornton, CO 80229
WebsiteLicense: 44942

Expertise.com Rating

Review Sources

Google
4.0 (3)
Facebook
5.0 (2)

Why choose this provider?

Financial Dimensions LTD has been providing insurance products in the Thornton, Westminster, and Denver areas since 1978. Its insurance products include life, auto, and business insurance. The agency works with its clients in going through the life insurance options available to them. Its life insurance products include whole life, term life, and universal life. Financial Dimensions aims to provide its clients with peace of mind when choosing a life insurance policy to benefit their families.

  • Life Insurance

11152 Huron Street, Northglenn, CO 80234
WebsiteLicense: 366941

Expertise.com Rating

Review Sources

Google
4.0 (4)
Facebook
5.0 (1)

Why choose this provider?

Secure American Insurance provides insurance plans to the residents and local businesses in Thornton and the surrounding communities. It is an independent multi-line agency focusing on commercial and personal insurance. It carries life insurance plans like term life and permanent life insurance. Moreover, it offers commercial insurance packages like general liability, workers’ compensation, business owners' policies, and commercial auto insurance. Secure American Insurance offers caters to clients in 26 states. Joseph Duncan is the agency's president and owner.

  • Life Insurance

11207 Quivas Loop, Westminster, CO 80234
WebsiteLicense: 280

Expertise.com Rating

Review Sources

Google
5.0 (11)

Why choose this provider?

CoWest Insurance Group of Aurora is a multi-line insurance agency that serves clients in the Thornton area. It offers an array of life insurance plans to help customers secure their financial obligations to their families and loved ones. Its policies can be used to replace an income once the policyholder dies and to pay for anticipated expenses such as college tuition and hospital bills. The team members at CoWest Insurance have over 75 years of combined experience.

  • Life Insurance

81 West 84th Avenue, Denver, CO 80260
WebsiteLicense: 676460

Expertise.com Rating

Review Sources

Google
4.0 (36)
Facebook
5.0 (3)

Why choose this provider?

Medina Seguros Insurance is a Denver-based company that extends its services to business owners, families, and individuals in the Thornton metro and the surrounding communities. It accommodates clients who need assistance in purchasing life insurance plans. Moreover, the business offers other personal and business policies, such as homeowners', renters', health, auto, and commercial insurance. It also provides mortgage loans and refinancing services. Medina Seguros Insurance has been providing services throughout Colorado for more than 30 years.

  • Life Insurance

2090 East 104th Avenue, Thornton, CO 80233
WebsiteLicense: 10617545

Expertise.com Rating

Review Sources

Facebook
5.0 (11)
Google
5.0 (6)
Yelp
5.0 (4)

Why choose this provider?

Leinweber Insurance Agency is a local independent insurance agency that serves clients in Thornton. It offers several life insurance products, including final expense insurance, fixed annuities, individual life insurance, and mortgage protection insurance. The agency works with more than 40 insurance companies, including Allstate, Progressive, and Safeco Insurance, to provide insurance products that suit the needs of its clients. It is also a member of the Insurance Agency Owners Alliance and the Professional Independent Insurance Agents of Colorado.

  • Life Insurance

15047 Clayton Street, Thornton, CO 80602
WebsiteLicense: 464664

Expertise.com Rating

Review Sources

Google
5.0 (17)

Why choose this provider?

HealthCare Affairs is a life insurance provider in Thornton and the surrounding areas. It caters to clients who want to receive benefits and coverage for funeral costs, bills payments, living expenses, spouse retirement funds, and college tuitions. It also gives clients an option to add living and disability benefits, long-term care, critical illness, and return-of-premium to their life insurance policies. HealthCare Affairs offers other insurance products, such as health and Medicare insurance policies.

  • Life Insurance
  • Health Insurance

7100 Broadway Suite #5K, Denver, CO 80221
WebsiteLicense: 593752

Expertise.com Rating

Review Sources

Google
4.7 (15)

Why choose this provider?

Foothills Insurance has been serving individuals and businesses in Thornton since 1997. The firm helps clients protect their families from the financial impact of their passing through various life insurance policies that pay off debts and final expenses and replace lost income. It offers term life insurance for protection for a predetermined period and permanent insurance, which provides coverage for the entire lifespan. The firm also provides auto, home, toy, and health insurance and has worked with over 100 companies.

  • Health Insurance
  • Life Insurance

106 West 136th Avenue, Broomfield, CO 80020
WebsiteLicense: 501940

Expertise.com Rating

Review Sources

Google
5.0 (13)
Facebook
5.0 (9)
Yelp
5.0 (1)

Why choose this provider?

Wiswell Insurance is an independent insurance agency that provides insurance services to residents and businesses of Thornton and the surrounding communities. It works with multiple carriers that offer a variety of insurance packages. It carries life insurance plans like term life insurance, universal life insurance, and permanent life insurance. Additionally, it provides other insurance packages like indexed annuities, long-term care insurance, Medicare supplement, disability insurance, critical illness insurance, and mortgage protection insurance. Julia Wiswell founded the agency with Pete Wiswell.

  • Life Insurance
  • Health Insurance

8630 Pearl Street, Thornton, CO 80229

Expertise.com Rating

Review Sources

Google
4.0 (5)

Why choose this provider?

Fiocca Insurance Agency provides different insurance products for individuals and businesses. It aims to aid its clients in securing financial protection against unforeseen events. The agency helps them by assessing their unique insurance needs and promptly providing them with coverage that fits their situation. Individuals can get term and whole life insurance through the company. It also offers several forms of personal insurance, such as policies for homes, automobiles, and rental properties. The company is based in Thornton, CO.

  • Life Insurance
  • Health Insurance

3907 East 120th Avenue, Thornton, CO 80233
WebsiteLicense: 394035

Expertise.com Rating

Review Sources

Google
5.0 (6)
Facebook
5.0 (4)

Why choose this provider?

Coker Insurance Agency is a Thornton-based service provider operated by Thomas Coker. It provides life, health, and home insurance. It also presents various insurance products for vehicles such as auto, ATV, boat, and motor. The agency also attends to business insurance matters, including worker's compensation, small business, and annuities. Coker Insurance Agency's previous clients regard the team's commitment to give clients plans that match their respective needs and capacities. They also note its agents' dedication to updating them with the latest in their applications.

  • Life Insurance

3957 East 120th Avenue, Thornton, CO 80233
WebsiteLicense: 136645

Expertise.com Rating

Review Sources

Google
4.0 (23)

Why choose this provider?

Garrett Callaway is an insurance agent who works with State Farm and serves clients in the Thornton area. He offers a range of life, property, home, and health insurance products to protect customers from unexpected circumstances. He also provides risk protection plans for mutual funds, annuities, and banking. His office accommodates people who speak English and Spanish. He and his team are committed to providing service with strong moral conviction. Garrett has been with State Farm since 1994 and has been serving the metro for over 20 years.

  • Life Insurance
  • Health Insurance

11150 Huron Street, Northglenn, CO 80234
WebsiteLicense: 301302

Expertise.com Rating

Review Sources

Google
4.0 (18)
Facebook
5.0 (5)

Why choose this provider?

Chris Eiseman is a State Farm insurance agent serving his clients living in Thornton and other nearby areas. He has been working with State Farm since 2015, and he offers auto, home, property, business, life, health, and pet insurance to individuals and businesses in the area. He also assists in banking, mutual funds, and annuities. He is also a Chartered Life underwriter. Eiseman believes in putting customer focus at the center of every conversation with the client, which helps him draft the insurance plan that addresses the clients' coverage needs.

  • Life Insurance
  • Health Insurance

9801 East Colfax Avenue, Aurora, CO 80010
WebsiteLicense: 109699

Expertise.com Rating

Why choose this provider?

Joel Kruschwitz is an insurance agent with State Farm. He provides insurance to individuals and businesses in Thornton. Kruschwitz offers term life insurance, universal life insurance, and whole life insurance. His life insurance policies can help the client's family pay off debts, create a fund for college education, and maintain their current standard of living. Kruschwitz's other insurance products include property, auto, home, and health insurance. He works with a team that is fluent in Spanish and has over 50 years of combined experience.

  • Life Insurance
  • Health Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
McCabe Service Group Ltd
11684 Huron Street, Northglenn, CO 80234
Premier Group Insurance
8089 South Lincoln Street, Littleton, CO 80122
Financial Dimensions LTD
8380 Washington Street, Thornton, CO 80229
Secure American Insurance
11152 Huron Street, Northglenn, CO 80234
CoWest Insurance Group of Aurora
11207 Quivas Loop, Westminster, CO 80234
Medina Seguros Insurance
81 West 84th Avenue, Denver, CO 80260
Leinweber Insurance Agency
2090 East 104th Avenue, Thornton, CO 80233
HealthCare Affairs
15047 Clayton Street, Thornton, CO 80602
Foothills Insurance
7100 Broadway Suite #5K, Denver, CO 80221
Wiswell Insurance
106 West 136th Avenue, Broomfield, CO 80020
Fiocca Insurance Agency
8630 Pearl Street, Thornton, CO 80229
Coker Insurance Agency
3907 East 120th Avenue, Thornton, CO 80233
Garrett Callaway
3957 East 120th Avenue, Thornton, CO 80233
Chris Eiseman
11150 Huron Street, Northglenn, CO 80234
Joel Kruschwitz
9801 East Colfax Avenue, Aurora, CO 80010

FAQs

  • How does return of premium life insurance work versus the term life insurance in Thornton?

    Both term life insurance and ROP policies in Thornton cover you for a limited time and pay death benefits if you pass away within the term. However, term life insurance will not pay anything if the term ends and you are still alive. Meanwhile, ROP will return all your premiums tax-free if you survive the term. If you cancel an ROP midterm, you can still get a portion of your premiums back.

  • Do life insurance companies in Thornton pay death benefits if the insured commits suicide?

    Yes. The insurer can only deny insurance claim payment if the insured passed away within the policy's first year. Most life insurance policies exclude suicide if it occurs within two years of the policy’s issuance. But in Thornton, this is overridden by Colorado Revised Statute Section 10-7-109. The statute does not allow insurers to use suicide as a reason to deny insurance claim payment if the policy is already over one year old.

  • Will you still qualify for life insurance in Thornton if you go on international travel?

    Yes. Colorado Revised Statutes Section 10-7-103 (2) prohibits life insurance companies in Thornton from denying insurance, limiting your coverage, or charging you an excessive premium solely because you have been traveling or will be traveling internationally. Of course, the insurance company can still consider your risks when determining your premium and coverage, such as dangerous activities you will be engaging in abroad.

  • Do life insurance policyholders in Thornton get a grace period before their policy lapses due to missed premiums?

    Yes. If the policy is over one year old when the payment is missed, the insurer must give the policyholder a grace period of at least 30 days before lapsing the policy. This is following Colorado Revised Statutes Section 10-7-102(10)(i). Your coverage should remain active throughout the grace period. However, if the overdue premium remains unpaid after 30 days, the Thornton insurer is allowed to cancel your policy.

  • Can a divorce court order you to buy life insurance in Thornton?

    Life insurance may be a part of a divorce decree in Thornton if child support or alimony is involved. If you have been ordered to pay child and/or spousal support in the divorce, the court may also order you to take out life insurance to ensure that support payments continue if you pass away unexpectedly. Usually, a term life insurance policy is required. Most child support payments end when the child turns 18, so you will only need limited coverage.

  • 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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