I represent many different carriers. As is the situation with health
insurance, each carrier has its niche. One carrier may be better for you if
you are a 55 year old smoker and another if you are a 35 year old
triathlete. I use a quote engine that lets me run quotes with a number of
companies for each client.
I can run quotes on inexpensive term life coverage or more expensive universal life coverage.
Term life policies last for a specific period of time such as 10, 15, 20, or 30 years. Typically clients purchase this type of coverage to pay for a mortgage or to make sure there is money to put the kids through college.
Universal life policies have a cash value that can be borrowed against and can be set up to last a long time such as to age 100. These types of plans are also used to protect an estate from tax consequences or to insure that a business has an orderly transition to new ownership should a principle pass away.
Please let me know the type, duration, and possible amounts of coverage that you are interested in. If you're not sure, give me a call and we can discuss your situation and how to meet your financial protection needs.
I work with the following companies:
- Indianapolis Life
- North American Life
- West Coast Life
- Protective Life
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Joel Rosenblum is the owner of Insurance for Asset Protection. IAP provides health insurance plans, including individual, group, and medical supplements, and life insurance plans in Colorado.
Joel Rosenblum, Owner
Insurance for Asset Protection
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