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Life Insurance Providers Golden CO

Life insurance is a type of insurance in which an insurer agrees to pay out a sum of money when the insured dies. This money goes to your beneficiaries who are predetermined by you. Beneficiaries tend to be the individuals who depended on the income you do/will generate. The younger you are when you get life insurance the cheaper the insurance premiums are and sometimes you can even lock in rates. Please scroll down for more information and access to the life insurance agents in Golden, CO listed below that can explain more.

Mr. Robert C. Bergstedt (RFC®), CSA
(303) 278-2700
1746 Cole Blvd., Ste 225
Golden, CO
Company
Private Wealth Advisors, Inc.
Qualifications
Education: BA
Years of Experience: 14
Membership
IARFC
Services
Invoice, Estate Planning, Portfolio Management, Retirement Planning, Stocks and Bonds, Mutual Funds, CD Banking, Annuities, Life Insurance, Long Term Care Insurance, Medical Insurance, Healthcare Accounts, Compensation Plans

Data Provided By:
Gary Kennington
7015 West 62nd Ave.
Arvada, CO
Company
Title: Financial Retirement Specialist
Years Experience
Years Experience: 20
Service
Medicaid,Annuities,Insurance & Risk Management Planning,Medicare Planning,Life Insurance,Annuity Ideas & Strategy Planning,Asset Protection Strategies & Planning,Health Care Insurance,Retirement Planning,Retirement Income Distribution Planning

Data Provided By:
Charles Mueller
13481 Falls Drive
Broomfield, CO
Type
Investment Advisor Rep: Yes
Years Experience
Years Experience: 41
Service
Real Estate Investment Planning,Annuity Ideas & Strategy Planning,Estate Tax Planning,Asset Protection Strategies & Planning,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Life Insurance,Alternative Asset Class Planning,Investment Consulting & Allocation Design,Insurance & Risk Management Planning,Retirement Income Accumulation Planning,401k Rollover From Employer,Income for Life/ Preserve Principal,Disability Insurance,Retirement Planning,Long-Term Health Care Planning,Business Succession &

Data Provided By:
Will Killhour III
501 South Cherry Street
Denver, CO
Company
Company: Waddell & Reed
Service
Income for Life/ Preserve Principal,Alternative Investments,Life Insurance,Investment & Portfolio Management,Investment Consulting & Allocation Design,Business Succession & Liquidation Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Fee Only Portfolio Management,Pension for Highly Compensated Owners,Stock Market Alternative,Wealth Management,Health Care Insurance,Retirement Planning,Long-Term Health Care Planning,Annuity Ideas & Strategy Planning,Planning For Personal Finance

Data Provided By:
Wealth Strategies Group Guardian Life
(720) 334-7115
13545 W 67th Place
Arvada , CO
 
Dot Mechtenberg
8100 Ralston Road
Arvada, CO
Company
Company: Dot Mechtenberg, Inc.
Type
Investment Advisor Rep: Yes
Years Experience
Years Experience: 40
Service
Portfolio Engineering,401k Rollover From Employer,CD Alternative,Disability Insurance,Retirement Planning,Real Estate Investment Planning,Commission-Only Financial Planning (Full Disclosure),Insurance & Risk Management Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,Hourly Financial Planning Engagements,Captive Insurance,Pension for Highly Compensated Owners,Income for Life/ Preserve Principal,Alternative Investments,Annuities,Alternative Asset Class P

Data Provided By:
Andy Lyford
2525 16th Street
Denver, CO
Company
Title: Registered Principal
Company: Charlton Investment Services
Type
Investment Advisor Rep: Yes
Education
Trinity College, BA
Years Experience
Years Experience: 18
Service
IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Life Insurance,Investment & Portfolio Management,Investment Consulting & Allocation Design,Insurance & Risk Management Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,401k Rollover From Employer,Income for Life/ Preserve Principal,Alternative Investments,Retirement Planning,Long-Term Health Care Planning,Business Succession & Liquidation Planning,Estate Tax Planning,Asset Protection Strategies & Planni

Data Provided By:
Perry Neva
1427 Glencoe St.
Denver, CO
Service
Estate Tax Planning,Asset Protection Strategies & Planning,Individual Income Tax Planning,Portfolio Engineering,High Yield Bank Accounts,401k Rollover From Employer,Income for Life/ Preserve Principal,Wealth Management,Medicaid,Life Insurance,Investment & Portfolio Management,Long-Term Health Care Planning,Annuity Ideas & Strategy Planning,Planning For Personal Finances & Budgeting,Retirement Income Accumulation Planning,Business Income Tax Planning,Fee-Only Comprehensive Financial Planning,Capt

Data Provided By:
Mr. S. David Estes (RFC®), EA
(303) 759-8248
1325 S. Colorado Blvd., #026
Denver, CO
Company
Financial Decisions
Qualifications
Years of Experience: 13
Membership
IARFC
Services
Invoice, Business Planning, Portfolio Management, Pension Planning, personal Coach, Retirement Planning, Tax Planning, Tax Returns, Employee Benefits, Mutual Funds, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Group Insurance, Business Coach, Healthcare Accounts, Compensation Plans

Data Provided By:
Associated Agents
(303) 238-7341
1970 Kipling Street
Lakewood , CO
 
Data Provided By:

Understanding Life Insurance

By Joan Mitchell

When your employer breaks out the big box o’ benefits, you may be surprised to see that life insurance is on the table. If you’re like me, you probably thought that life insurance was only for wealthy fat cats and rednecks who want to fake their own death, collect on their policy, and escape to Mexico with their wife (who’s also their aunt). But while the vast majority of recent grads might think that they don’t need a life insurance policy, it’s not a completely cut-and-dry issue. Life insurance—like all insurance—can get pretty complicated, but we’ll try to cut straight to the chase: What is life insurance and what are the pros and cons for a twentysomething?

What Is Life Insurance

Simply put, life insurance is a type of insurance in which an insurer (e.g., State Farm) agrees to pay out a sum of money when the insured (e.g., you) dies. This money goes your beneficiaries who are predetermined by you. Beneficiaries tend to be the individuals who depended on the income you do/will generate. Long story short: if you are worried that if you die unexpectedly that any of your loved ones will be worse off financially, you should consider purchasing life insurance.

If your employer is serving you a policy on a silver platter (i.e., no extra monthly/yearly fees attached), then you should certainly jump on it. Even if they ask for you to slightly subsidize it (e.g., $10/month), still opt in. However, even if that small subsidy is too large for your current economic situation or your company isn't providing you with health insurance (and you're on your own), we ask that you still read on and consider acquiring a life insurance policy.

Deciding Whether or Not You Want Life Insurance

From a recent grad’s perspective, the pros and cons of purchasing life insurance are relatively straight-forward.

Reasons You Might Want Life Insurance

  • To take care of your spouse/kids/parents. If you have kids or you’re married and your spouse would be severely hurt financially by your passing, you need to look into life insurance, which will provide them with cash when you die. This should help soften the economic blow of your passing. Note: Even if you're single, your beneficiary could be your mom, granddad, sister, etc.
  • To Ensure Your “Insurability.” The people who underwrite insurance policies take into account a vast range of variables when calculating premium rates and determining your “insurability”—basically, how much of a risk the insurance company is taking on by insuring you. So if you have cancer or you’re a professional stuntman, you’re far less insurable than a healthy 23-year-old who works in advertising. Thus, most recent grads are highly insurable. This means two things: (1) you can pay relatively low premiums, and (2) getting life insurance now guarantees that the provider must continue to insure you as long as you keep up with your annual premium payments.
  • To Leave a Clean Slate. Morbid...

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