Compare Top Life Insurance Companies
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Haven Life
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Fabric
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Ladder
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Policygenius
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Trusted by over 4.5 million customers! |
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Location
Serves residents in
Denver, CO
(855) 695-2255
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EverQuote
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Location
Serves residents in
Denver, CO
(855) 522-3444
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Longevity Insurance Brokers
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Location
100 Fillmore St.
Denver, CO 80206
(720) 209-4598
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Lightship Insurance
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Location
1650 Franklin St.
Denver, CO 80218
(303) 292-9995
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Denver Insurance
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Location
1127 Auraria Pkwy.,Ste. 22
Denver, CO 80204
(720) 446-5566
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Aspen Insurance Agency
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Location
1315 S Clayton St., Ste.100
Denver, CO 80210
(303) 239-0559
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Allstate Insurance: J T Barthelemy
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Location
1940 Blake St., Ste. 105
Denver, CO 80202
(303) 948-9879
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American Family: John Vu
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Location
690 S. Federal Blvd.
Denver, CO 80219
(303) 975-9999
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New York Life Insurance Company
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Location
3200 Cherry Creek S. Dr., Ste. 700
Denver, CO 80209
(303) 744-2000
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How to choose life insurance in Denver
Life insurance can cover the cost of mortgage payments, bills and other essentials if the insured person passes away unexpectedly. Even if the insured person isn’t earning income, life insurance can pay for child care, funeral expenses and other costs.
Life insurance benefits include:
- Financial protection if you die and leave behind a spouse and children
- The ability to withdraw money during your lifetime from certain types of policies
- Favorable tax treatment as an investment
The two main types of life insurance in Denver are:
- Term life insurance provides life insurance coverage for a specific time period, usually between one and 30 years. These policies are affordable but give no return on investment if you live beyond the term of the policy.
- Whole life insurance provides life insurance coverage for the span of your entire life and earns interest at a predetermined rate. These policies generally have higher premiums but a guaranteed return on investment.
Another option in Denver is universal life insurance—a type of whole life insurance that is more flexible and has lower premiums. A portion of your monthly premium pays for the death benefit, and the rest is placed in an investment account.
Many different factors determine the cost of your life insurance premium, including:
- Age: The older you are, the more you will pay in premiums.
- Whether you smoke: Since smoking is related to many health issues, smokers will pay higher premiums.
- Gender: Because men have a lower average lifespan than women, they pay a higher insurance premium.
- Occupation: If you have a job that is considered hazardous, such as a firefighter, it could increase your premium.
- Your medical history: Past or current health issues will raise your premiums.
- Your family’s medical history: If your family’s health history indicates that you are more likely to develop a health issue or illness, this could mean your health insurance premiums are going to be higher.
When shopping for life insurance policies, be sure to choose a reputable, financially stable provider. Look up licensing and any complaints on the National Association of Insurance Commissioners website. MetLife, Prudential Financial, State Farm and New York Life Insurance Group are all examples of high-quality life insurance carriers in Denver.
Be sure to compare policies and speak with the insurance providers’ employees so you understand everything in the policy. By choosing the right life insurance policy, you can guarantee financial security for your family even if you have an unexpected tragedy.
Life Insurance Reviews
Haven Life |
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Haven Life sells term life insurance coverage issued by MassMutual. Denver customers can choose between Haven Term life insurance, with coverage from $100,000 to $3 million, or Haven Simple, which doesn’t require a medical exam and includes coverage up to $500,000. Features include level premiums and accelerated death benefit. Apply online and get an instant decision on your eligibility and rate. |
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Fabric |
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Fabric offers term life insurance through Vantis Life, a Penn Mutual company. Personalize a policy by choosing a 10-, 15- or 20-year term length and coverage up to $5 million. Fabric also offers accidental death policies and free wills. Customers have the option to convert their term life insurance to whole life insurance at a later date. Applying for life insurance with Fabric takes only 10 minutes. You can then manage your policy and get access to other financial tools on the company’s app. |
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Ladder |
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Ladder offers term life insurance policies backed by Fidelity Security Life Insurance Company and Allianz Life Insurance Company of New York. Denver customers can apply online and in minutes be covered for up to 30 years and $8 million. The company makes it simple to “ladder,” or adjust, your policy to increase or decrease coverage over time. Cancel your policy at any time with no penalty. Ladder also has a referral program that pays you $50 for each referral. |
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Policygenius |
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Policygenius makes it easy to compare and choose life insurance policies. The company has a calculator on its website that lets you find the right amount of coverage and compare quotes from multiple insurance providers. Customers in Denver report an easy process and helpful customer service. |
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EverQuote |
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EverQuote helps shoppers compare life insurance policies with no obligation. Customers can get started by submitting their zip code to request quotes. Reviews from Denver residents say EverQuote helped them find an insurance carrier, but many were displeased with a large number of phone calls received from other companies. |
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Longevity Insurance Brokers |
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Longevity Insurance Brokers is a Denver-based company that offers assistance with finding life insurance policies. The company provides 24/7 customer support, free quotes and a simplified shopping process. Customers from Denver say the agents are extremely helpful and respond quickly to questions. |
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Lightship Insurance |
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Lightship Insurance is a local company that strives to provide clear information on the best ways to save money when shopping for life insurance policies. The company offers low insurance rates from a variety of providers. Customers report exceptional, thorough and friendly customer service. |
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