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Alliance Insurance Services

5440 Ward Rd. Ste. 215
Arvada,Colorado 80002

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Life Insurance in Colorado

Most Americans are required to have homeowners, health and auto insurance, but life insurance policies are purely optional. However, you only have to talk to a newly-single parent who has just lost their partner to find out just how beneficial the life insurance policy of their loved one has been, or how much they wish that a policy would have been in place. Life insurance gives you peace of mind knowing that if something happens to you, your family will be taken care of financially.

Life insurance is divided into two main types: whole life and term life. Term life insurance policies will cover you for a set length of time and are generally less expensive. You buy a term policy and pay premiums for a length of time such as 10, 20 or 30 years and then once the term is over, you're no longer covered. You can buy another policy, but since you're older, coverage will be more expensive.

Whole life insurance never expires, as long as you're paying your premiums. Many of these policies come with a savings vehicle which builds up cash value, and can be withdrawn whenever you need the money. If, however, you've taken out $4,000 of the cash value and pass away, your $100,000 policy will only pay out $96,000.

Life insurance polices aren't just for working adults who provide the family with an income. Stay-at-home parents, college students, empty nesters, singles and single parents can also benefit from having a life insurance policy. The amount of coverage you buy will largely depend on your current income, financial obligations and the ages of your dependents, if any.

When you buy life insurance from an independent agent, like Alliance Insurance Services, you will get individualized attention from experienced professionals who can help you decide which insurance policy is best for you, and what amount of policy you should purchase. If you're in the Colorado, contact us today!

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Company Overview

Alliance Insurance Services founded in 1992 has a long standing relationship with both customers and community. Since our start, Alliance Insurance Services has been headquartered at 5440 Ward Rd. in Arvada, Colorado. We also have locations throughout Metro Denver as well as Northern Colorado. Alliance Insurance Services is a proud long time supporter of the Children's Miracle Network, the Better Business Bureau, and the Professional Independent Insurance Agents of Colorado.

Mission Statement

Alliance Insurance Services is dedicated to a lasting relationship with our clients and community through superior service and value. We provide security with quality products and innovative technology. Our team has created an environment that instills trust with those we come in contact with.

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