Jake FosterChoosing the best life insurance in Denver is essential for your family’s financial security. A solid policy offers peace of mind for major expenses such as a mortgage or monthly bills.
Many local residents feel overwhelmed by the many term and whole life products available today. Working with a great agency helps you find coverage that fits your unique needs perfectly.
I explored the city to find teams that offer honest advice and excellent service. Use this guide to find the top providers in our area and secure your family’s future with confidence.
How much does life insurance cost in Denver?
For healthy non-smokers in the area, a standard 20-year term policy typically ranges from $14 to $80 per month, depending on your age at the time of purchase.
| Age Group | Estimated Monthly Cost |
| Age 20 – 30 | $14 – $18 |
| Age 40 | $20 – $30 |
| Age 50 | $40 – $60 |
| Age 60 | $60 – $80 |
1. Denver Insurance LLC
Website: https://www.denverinsuranceteam.com/
Address: 1127 Auraria Pkwy #22
Contact: (720) 446-5566 | [email protected]
Hours: Monday – Friday: 9:00 AM – 5:00 PM
Navigating the insurance market is straightforward when you work with an independent advocate like Denver Insurance LLC. They shop across thirty different Colorado carriers to help you find the best possible rates.
This agency acts as a specialty broker, meaning it can create unique policies that other companies might reject.
Their team conducts a deep analysis of your needs, considering factors such as your future earnings and inflation. This helps them pinpoint the exact coverage you require for total peace of mind.
They also serve as a very convenient hub for managing both personal and business insurance in one place. One recent client mentioned that the agents were very patient while explaining difficult terms.
However, the process can feel a bit slow if you want a fast transaction. Also, they cannot speed up claims directly because they work as an intermediary between you and the insurance company.
Customer Reviews:
Finds the best deals!
Denver Insurance has done a great job with all my insurance needs! I have been working with Paul on several different types of insurance and he is always able to give me all the information up front and finds the best deals! I’ll be a customer for life and referring all my friends and family to this agency!
- Melissa Olander | Google Review
I save money
I’ve worked with Paul at Denver Insurance for many years now. Not only does he make the process seamless, but I save money too! I have recommended Paul and the team to many of my friends and family and will continue to do so.
- Realtor Ryan Dykstra | Google Review
2. Lightship Insurance
Website: https://www.lightshipinsurance.com/
Address: 677 N Grant St
Contact: (303) 292-9995 | [email protected]
Hours: Monday – Friday: 8:00 AM – 5:00 PM
Building a customized life insurance strategy is Lightship Insurance’s main goal. They focus on your specific financial milestones instead of pushing a generic policy on you.
As an independent broker, they compare many different options across a large system to find the best health-rating categories for your needs. Their team acts as a helpful advocate for your family, ensuring your coverage changes as your life does.
They’re also great because you don’t have to deal with national call centers. Instead, they offer a simple online quoting process without any immediate sales pressure.
One downside is that they rely on third-party companies to process all claims. This means they don’t have the power to decide how fast a payout happens.
You will have to wait for the specific insurance carrier to finalize any financial settlements when a claim is made.
Customer Reviews:
Professional, yet friendly agents
We have been with Lightship for many years. They have professional, yet friendly agents. They are always prompt with responses and offering other options when valid. I would recommend John and his team to anyone looking for great service to accommodate their insurance needs.
- Deena Stanley | Google Review
Very responsive and customer focused!
The team at Lightship have always been very responsive and customer focused! I have been with them for years and never hesitate to refer people to them. Love the newsletters that are helpful and Interesting. Well worth working taking the leap to work with a smaller agency with a personal touch then those huge insurance companies that have no idea you are!
- Katy Strascina | Google Review
3. Aspen Insurance Agency
Website: http://www.aspeninsuranceagency.com/
Address: 2255 S Broadway
Contact: [email protected]; (303) 777-2991
Hours: Monday – Friday: 8:00 AM–5:00 PM
With more than 50 years of experience, Aspen Insurance Agency is a trusted name in the local community. They work as independent advocates to help buyers find the best deals among 30 different insurance partners.
This local expertise ensures you get the right pricing for your specific needs. Policyholders also benefit from having direct access to licensed representatives for any urgent inquiries.
One of their agents recently explained that they view insurance as a tool for long-term financial health. It’s a good idea to discuss these plans with your financial advisor to ensure they align with your retirement goals.
One thing to keep in mind is that they cannot provide instant coverage. Plus, their claims process involves many steps and can take several months to finish.
This thorough approach is good for accuracy, but it can lead to a longer wait for your money.
Customer Reviews:
My experience was tremendous
My experience with Aspen Insurance Agency was tremendous. I was recommended to them by a friend in the Denver area for auto and life insurance policies. Everyone I dealt with was very helpful and and knowledgeable about the industry. I felt that they had very competitive quotes. Also during my experience I learned that it is a family company ran by two Brothers. And let me tell you what, they are funnier than that silly gecko on TV. 10/10 would highly recommend.
- Parker Richard | Google Review
The process was absolutely seamless!
The Aspen Insurance Agency provides first class service! They helped us with car insurance, home insurance, dwelling insurance, umbrella insurance, and life insurance! The process was absolutely seamless! Hailey and her team are compassionate, timely, and most important extremely knowledgeable! They saved us over $5,000 bundling insurance with them!
- Chad Edwards | Google Review
4. Madison Insurance Group
Website: http://www.madisoninsurance.net/
Address: 7600 E Eastman Ave Ste. 500
Contact: [email protected]; (303) 322-0800
Hours: Monday – Friday: 9:00 AM–5:00 PM
Madison Insurance Group is a great partner for anyone in need of a detailed insurance strategy. They specialize in helping successful individuals protect their lifestyle and their families.
Since its founding in 1995, this agency has grown to serve clients in thirty-seven states. One of their best features is an interactive digital tool that makes it much easier to understand your risks.
They’re also very skilled at protecting business interests. Their key person policies are perfect for securing the equity you create while working with digital marketing agencies.
On the downside, their preference for large commercial bundles can be a drawback. This focus may feel unnecessary if your needs are limited to a basic personal policy.
Plus, they only maintain two physical office locations. This means most of your interactions will likely happen online or over the phone rather than in person.
Customer Reviews:
Great personal service
I have been using Madison Insurance Group for years. The pricing is always fair and competitive. Most importantly, the service from Tiffany, Diane and Cindy is exceptional, friendly and efficient. If I need information or I have a question about my policy I get an immediate answer and any problems are resolved in short time. Price is important but getting great personal service is just as important. I highly recommend Madison Insurance.
- Rick N | Google Review
Best insurance options for our family
We have used Madison Insurance group for many years. Kay Barrett is a great insurance agent. She has given us great insurance coverage recommendations, and good advice regarding claims. She has helped us select the best insurance options for our family. If you are looking for insurance and a great agency, I recommend Kay Barrett and Madison Insurance Group.
- Mike Burgher | Google Review
5. Longevity Insurance Brokers
Website: https://longevitybrokers.com/
Address: 100 Fillmore St
Contact: [email protected]; (720) 209-4598
Hours: Monday – Friday: 9:00 AM–5:00 PM
Leveraging the background of founder Chris Long, Longevity Insurance Brokers provides professional support and competitive rates.
As an independent firm, they shop across more than 10 top-tier carriers to find a policy that fits your household budget.
Their agency stands out by maintaining a highly responsive service model that encourages you to ask questions at any time. This dedicated approach includes a same-day quoting system that eliminates the stress of researching companies on your own.
This is a great spot for city dwellers who want personal service and a quick way to compare rates.
However, their primary focus is on auto and home products, so their life insurance resources are somewhat limited. Also, since they only have one office in Denver, it may be harder for residents in distant suburbs to meet in person.
Customer Reviews:
Was quick on providing an initial quote
Chris is a good guy to have on your side. Was quick on providing an initial quote and helped work with me on tailoring it to fit exactly what I was looking for. Ultimately decided on my old insurance for the next 6 months due to time and life constraints but I will for sure be reaching back out once my policy ends
- Kevin Faraci | Google Review
Makes insurance easy and affordable
I was skeptical when all the reviews mentioned Chris, but it really is ‘just’ him as the broker. He makes insurance easy and affordable. Really everyone should just use a broker to save their sanity. Chris made it all quick and painless, I can’t believe I went through life without an insurance broker. Stand up guy in general.
- Forest Lyons | Google Review
