Insurance Solutions

As part of my effort to provide you with sound tax and financial protection, I am licensed by the state of Colorado Division of Insurance to help you protect your financial assets.

If you have a Universal Life Insurance policy, now is the time to review it.

Your Universal Life Insurance policy may be in danger.

Low interest rates are causing the internal costs of some of these policies to blow up!

If the policy's current return is below the projections used to set you target premiums, then it's just a matter of time before your target premium increases.

You will have to pay more or your policy will eventually collapse.

If you are unsure about the type of insurance you have, call me and I will review your policy free of charge.

Too often, universal life insurance policies are sold a permanent insurance, or term insurance for life.

Universal life insurance is known for having flexible premiums. The policy has a target premium, and you can pay less or more than that target as long as your policy has a cash-value (the value of the policy after the cost of insurance has been paid).

The only life insurance that is truly permanent is Whole Life Insurance. Whole life insurance gives you the option of keeping the policy in force, even if you stop paying the premiums. When you stop paying determines the size of the policy.

Meanwhile the rates for term life insurance have been dropping the last few years, as mortality tables extend our time on earth.

You may be paying too much for your insurance.

Call for your free review.