Why Choose An Independent Broker?
Almost all Colorado life insurance companies sell their products through agents, rather than directly to the public. Some companies use “captive” agents, who can only represent one company. The most competitive term life insurance providers (such as those featured at this site) use independent agents, who are free to represent several companies. These agents can help you select from a variety of products and companies to tailor a plan.
The premium rate is set by the carrier, and it cannot be changed by the agent. The price you pay for a given product will be the same no matter where you buy it. “Price shopping” for an agent in Colorado will provide no benefit, assuming that you have the basic product and pricing information to know what to ask for. We shop a large number of companies, view the life insurance carriers we shop in Colorado, based on price, coverage, how they will underwrite you, stability, etc. So, we are more likely to find the best coverage at the lowest price than other life insurance agents in Colorado. There is no disadvantage and there are many advantages to using a knowledgeable broker to guide you in the right direction, so don’t hesitate to have us help you find the best plan.