Colorado’s life insurance laws are governed by Title 10 of the Colorado Revised Statutes.
- 15-day free look period (CO Rev. Stat Ann. 10-7-302)
- 31-day grace period (CO Rev. Stat Ann. 10-7-302)
- Companies must pay interest on claims starting from the date of death (CO Rev. Stat Ann. 10-7-112)
- Guarantees up to $300,000 for lost death benefits and $100,000 for lost cash surrender value (source)
Keep in mind that life insurance laws are very similar from state to state (for example, Connecticut’s life insurance laws and Delaware’s life insurance laws are nearly identical to those of Colorado).
How Much Is A $10,000 Whole Life Policy In Colorado?
The table below shows the rates by age of $10,000 of whole life insurance in Colorado.
| Age | Male | Male (Smoker) | Female | Female (Smoker) |
|---|---|---|---|---|
| 20 | $14.59 | $16.98 | $13.94 | $15.64 |
| 25 | $15.85 | $18.40 | $14.69 | $16.89 |
| 30 | $17.05 | $19.54 | $16.67 | $19.29 |
| 35 | $18.41 | $22.03 | $17.15 | $20.70 |
| 40 | $21.27 | $25.48 | $19.69 | $24.07 |
| 45 | $23.47 | $29.37 | $22.72 | $27.57 |
| 50 | $27.13 | $33.86 | $24.48 | $31.55 |
| 55 | $32.94 | $40.02 | $27.60 | $37.05 |
| 60 | $39.46 | $47.74 | $33.53 | $42.74 |
| 65 | $48.74 | $57.63 | $41.54 | $51.02 |
| 70 | $60.19 | $71.24 | $52.38 | $60.00 |
| 75 | $97.69 | $132.69 | $71.36 | $95.08 |
| 80 | $134.98 | $182.73 | $97.74 | $135.78 |
| 85 | $187.66 | $258.08 | $132.02 | $192.90 |
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Best Life Assurance In Aurora
Aurora, a vibrant suburb nestled in the heart of Illinois, offers an inviting mix of suburban charm and urban amenities. Renowned for its picturesque Fox River running through the city, Aurora is steeped in rich history, diverse culture, and extensive green spaces. With a bustling downtown filled with unique shops, restaurants, and cultural institutions like the Paramount Theatre, Aurora stands out as a community-oriented city. Also known as the “City of Lights” for being one of the first in the U.S. to implement an all-electric street lighting system, Aurora continues to shine bright with its innovative spirit and welcoming atmosphere. Whether you’re exploring the scenic RiverEdge Park, engaging in its lively art scene, or partaking in one of the numerous family-friendly events, Aurora offers a blend of experiences that cater to residents and visitors alike.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Bright Insurance Aurora | 2130 S Vaughn Way | +17207826448 |
| Friends & Family Insurance, Colorado | 1450 S Havana St #440 | +17192041678 |
| Conaway Insurance Agency | 1710 S Buckley Rd | +13036471118 |
| Premier Group Insurance | 15401 E Mississippi Ave A | +17204573130 |
| Silver Insurance Agency, CO | 1591 Chambers Rd | +17192041406 |
| Trilogy Benefits Inc | 3124 S Parker Rd Suite A2-143 | +13037454600 |
| Philip Bicking- Life and Health Insurance | 2340 Dayton St | +17202432801 |
| Rockies Home Insurance Experts | 14200 E Alameda Ave #58 | +17206060079 |
| Aurora Life & Health Insurance | 1250 S Buckley Rd # I-321 | +13038296069 |
| Globe Life American Income Division: Turnquist Organization | 14001 E Iliff Ave #411 | +17205039808 |
| Farmers Insurance – Robert Malfa | 14201 E 4th Ave Ste 4-270 | +17203150756 |
Best Coverage In Colorado Springs
Nestled at the eastern foot of the Rocky Mountains, Colorado Springs stands as a picturesque city that effortlessly merges the beauty of nature with urban sophistication. Known for its breathtaking scenery, the city is home to the iconic Pikes Peak, which inspired the song “America the Beautiful.” Colorado Springs is a hub for outdoor enthusiasts, offering endless hiking, biking, and climbing opportunities. Alongside its natural wonders, the city boasts a rich cultural scene, with the United States Air Force Academy, the Garden of the Gods park, and a variety of museums and galleries. Its vibrant community, high quality of life, and proximity to exceptional natural landmarks make Colorado Springs a unique and enticing destination for residents and visitors alike.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Roupe Insurance | 522 Lakewood Cir | +17197522215 |
| Elite Insurance Services | 102 S Tejon St Suite 1100 | +17193021110 |
| Ever Safe Insurance, CO | 2514 W Colorado Ave | +17193495533 |
| Life Insurance Agency CO | 1615 Culebra Ave | +17192084273 |
| Superb Insurance LLC | 3595 E Fountain Blvd | +17192084312 |
| Focused Insurance Company Of Co | 3475 Briargate Blvd | +17192863852 |
| Fast Benefits Insurance Company | 2855 Country Club Pl | +17192802935 |
| Colorado Springs Insurance Ltd. | 2306 N Powers Blvd | +17193458603 |
| Flex Insurance Company | 3204 N Academy Blvd #215 | +19702837544 |
| American Insurance Solutions | 4325 N Nevada Ave | +17192041135 |
| Associate Insurance Solutions | 102 S Tejon St Suite 1100 | +17193495396 |
| Premier Group Insurance | 138 E Brookside St | +17195736627 |
| Turning Insurance Company | 2910 N Powers Blvd | +17193495568 |
| Fast Cover Insurance Inc | 4740 Flintridge Dr | +17192032022 |
| Colorado Insurance Advisor | 3246 Centennial Blvd #160 | +17193495424 |
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Best Policies In Denver
Nestled at the foothills of the majestic Rocky Mountains, Denver, Colorado, is a vibrant city that offers a unique blend of outdoor adventure and urban sophistication. Known as the Mile High City due to its elevation of 5,280 feet, Denver boasts stunning natural beauty, a thriving cultural scene, and a rich pioneering history. With its sunny climate, world-class ski resorts nearby, and a flourishing food and craft beer scene, Denver attracts both adventure seekers and those looking for a cosmopolitan lifestyle. Whether you’re exploring its picturesque parks, engaging with its historical landmarks, or enjoying its diverse entertainment options, Denver provides a dynamic backdrop for both residents and visitors alike.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Comprehensive Insurance Services | 1113 E Alameda Ave | +13037787811 |
| MGC INSURANCE | 1633 Pearl St Suite 637 | +17207633613 |
| Sandos Financial | 3798 Lowell Blvd | +17208215921 |
| Security Life of Denver | 8055 E Tufts Ave | +18772535050 |
| Suzanne Tang Insurance | 3773 Cherry Creek N Dr #575 | +17209620384 |
| Shine Insurance Denver | 1624 Market St | +17193150653 |
| Success Insurance Solutions Denver | 1029 E 8th Ave | +13039930888 |
| Foresure Insurance Agency Co | 2560 Sheridan Boulevard | +17192032152 |
| Affordable Insurance Denver | 1834 S Sheridan Blvd | +19702793841 |
| Green Life Insurance | 6455 S Yosemite St | +17208215909 |
| States Life Insurance Co | 9672 E Arapahoe Rd | +17192472234 |
Best Life Cover In Fort Collins
Fort Collins, nestled in northern Colorado, is a vibrant city that combines the charm of a small town with the amenities of a larger metropolitan area. Known for its picturesque landscapes, Fort Collins sits at the foothills of the Rocky Mountains, making it a paradise for outdoor enthusiasts with countless opportunities for hiking, biking, and nature exploration. The city’s cultural heart beats strongly with a thriving local arts scene, diverse culinary offerings, and a renowned craft beer industry, home to several celebrated breweries. Colorado State University adds a youthful energy and innovative spirit to the community, fostering education and research opportunities. Fort Collins is also recognized for its commitment to sustainability and environmental preservation, making it not only a beautiful place to live but also a forward-thinking community that values quality of life.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| 1st American Fort Collins | 3534 John F Kennedy Pkwy # C | +19704842805 |
| KDM Insurance LLC | 736 Whalers Way #110 | +19702258282 |
| Lotz Agency | 1621 Greengate Dr | +19702149193 |
| Mountain Plains Agency, Inc. | 4532 Mcmurry Ave Ste 101 | +19702060800 |
| Ameri Quote Insurance | 1015 W Horsetooth Rd #203 | +19707876170 |
| David Anselmi – Aflac Insurance Agent | 4000 Sunstone Dr | +19702271907 |
| Shelter Insurance – Amanda Olaby | 3761 S Mason St | +19702265034 |
| Shelter Insurance – Mandi Masters | 736 Whalers Way Bld G Ste 110 BLDG D | +19703772070 |
| Jake Parmeter – COUNTRY Financial Agent | 375 E Horsetooth Rd Bldg 5 Suite 202 | +19703723952 |
| Real Insurance Advisor Fort Collins | 4412 Hollyhock St | +19703449790 |
| Independent Insurance Advisors | 1001-A E Harmony Rd | +19702393349 |
| The Empire Company | 123 N College Ave STE 200 | +19708408269 |
| Advantage Insurance Consultants | 155 Boardwalk Dr | +19705280344 |
| The Living Tree Insurance CO | 3532 John F Kennedy Pkwy | +13033377707 |
| Health Insurance For America | 1001 E Harmony Rd # A519 | +19706613450 |
Best Life Insurance In Lakewood
Lakewood is a vibrant city nestled amidst picturesque landscapes, offering a harmonious blend of suburban tranquility and urban convenience. Known for its lush parks, serene lakes, and an engaged community, Lakewood boasts a diverse demographic and a rich palette of cultural, recreational, and educational opportunities. With its array of shopping centers, eateries, and entertainment venues, alongside highly regarded schools, this city is a coveted destination for families, professionals, and retirees alike. Lakewood stands as a testament to community spirit and quality living, making it an ideal place to call home.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Colling Insurance Services, Inc. | 777 S Wadsworth Blvd #1-100 | +13039873331 |
| Don Sunday – Aflac Insurance Agent | 2037 S Gray Dr | +17206354277 |
| Bazz Insurance Agency | 12081 W Alameda Pkwy | +17203075716 |
| Shelter Insurance – Dominique Lopez | 7550 W Yale Ave Ste A225 STE 118A | +13039739709 |
| Major Insurance CO | 7456 W 5th Ave | +17204083640 |
| Real Insurance Solutions | 2425 S Yank Cir | +17193495557 |
| Lakewood Health insurance | 79 Depew St #68 | +17203077877 |
| Wise Insurance Colorado | 7675 W 14th Ave #205 | +17208026569 |
| Faith Insurance CO | 1717 S Van Dyke Way | +17192393710 |
| Kimberly Gallegos American Family Insurance | 3900 S Wadsworth Blvd #355 | +17198590518 |
| Harrison Insurance Group, Inc. | 1690 Kipling St | +13039860031 |
You Won't Find A Lower Rate
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You never know what battles people may be fighting.
Top Life Insurance Companies In Colorado
For the residents of the great state of Colorado, we at GetSure recommend three carriers: Transamerica, Aetna, and Mutual of Omaha.
Transamerica
“Immediate Solution” Whole Life Insurance
| Policy Type | Whole Life |
|---|---|
| States | All except NY |
| Ages | 0 – 85 |
| Coverage | $1,000 – $50,000 (varies by age) |
| Duration | Lifelong |
| Waiting Period | No |
| Rate Lock | Yes |
- Very low prices
- No medical exam
- Flat, never-increasing premiums
- No waiting period
- Underwriting has become stricter (e.g., no insulin)
- Coverage limited to $25,000 for older applicants
Mutual of Omaha
“Living Promise” Whole Life Insurance
| Policy Type | Whole Life |
|---|---|
| States | All except NY |
| Ages | 45 – 85 |
| Coverage | $2,000 – $50,000 |
| Duration | Lifelong |
| Waiting Period | No |
| Rate Lock | Yes |
- Excellent customer service
- No medical exam
- Flat, never-increasing premiums
- No waiting period
- Moderately strict underwriting
Aetna
“Protection Series” Whole Life Insurance
| Policy Type | Whole Life |
|---|---|
| States | All except AK, CA, DC, HI, MA, ME, MN, NY, ND, SD, WA |
| Ages | 45 – 89 |
| Coverage | $2,000 – $50,000 (varies by age) |
| Duration | Lifelong |
| Waiting Period | No |
| Rate Lock | Yes |
- Lenient underwriting
- Shortest application, industry-wide
- Automated underwriting (approval potentially in minutes)
- No medical exam
- Flat, never-increasing premiums
- N/A
