Many companies offer life insurance to their employees, but is it the right policy to protect your family? It may be difficult to think about what would happen to your loved ones if you were to pass away, but having life insurance will give you peace of mind. Business owners may also want to have a life insurance policy in place to protect any partners and the legacy they have built in the event of an untimely death. Although these scenarios are unlikely, being prepared is always best. Speak to an Aspen Gold Insurance Broker to find out if it’s time for you to get life insurance or update your current policy.
If you already have a life insurance policy, it is recommended to review your policies from time to time so you can be certain your coverage still works for the stage of life you are in. There are a variety of life changes that can affect your financial situation and the type of coverage you need and can afford. Some reasons you may want to review your life insurance policy with an Aspen Gold Insurance Broker include:
Aspen Gold Insurance Brokers can help you choose the right life insurance products for your stage of life.
Those who are young with children may prefer term insurance. This covers you through a specific period of your life to make sure your young children have the resources they need.
Whole life insurance never expires unless you stop making payments. It builds cash value through the years, which you can tap into for emergencies, opportunities, or in case of a death.
Universal life insurance covers the insured person for the duration of their life with flexible premiums and death benefits. It combines a savings component with lifelong protection.
If you live in the Denver, CO area and are in search of terrific rates and coverage on life insurance, we can help. Aspen Gold Insurance Brokers are independent agents and are not tied to offering the products of a single company. Because of this, we have the ability to get you competitive quotes from various life insurance companies and do the comparing for you. This allows us to provide you with life insurance that best suits your needs at a price within your budget. See the power of working with independent insurance agents and contact us today.
Determining who needs life insurance and at what point in their lives varies per person. Most people begin thinking about getting a life insurance policy once they have a family in order to protect them in case of death.
Your individual circumstances will determine what type of life insurance policy is best for you. Speaking with an experienced insurance broker at Aspen Gold can help you select a policy that fits your needs.
Many life insurance policy loans and withdrawals are tax-free. Generally, death benefits received by the beneficiary are not taxable. Permanent life insurance policies allow cash values to accumulate on an income tax-deferred basis, meaning you do not have to pay income tax on the policy earning while the policy is in effect.
We can discuss where you are in life and the best solutions to protect you and your family. We offer you the ability to get online life insurance quotes on some of our insurance products and will be more than happy to assist you over the phone. We pride ourselves on delivering the best customer service to our customers.