How much life insurance do I need?

A common starting point is 10 to 12 times your annual income. The right number depends on your debts, dependents, income replacement needs and long-term goals like college funding. We walk you through a quick needs analysis to find the right number for your family.

What is the difference between term and whole life insurance?

Term life covers you for a set period of 10, 20 or 30 years at a lower monthly cost, which suits income replacement during your working years. Whole life is permanent coverage that also builds cash value. Most families start with term, and we help you decide if permanent coverage makes sense later.

Is life insurance expensive?

Often much less than people expect. Rates rise with age and health changes, so the earlier you apply, the lower your rate. We compare carriers to find the best value for the coverage you need.

Do I need a medical exam to get covered?

Not always. Many policies offer simplified or no-exam underwriting for younger applicants or lower coverage amounts. Larger policies or certain health histories may need a basic medical exam, usually completed at home or at a convenient location.

Can I bundle life insurance with my home or auto policy?

Yes, and it is one of the easiest ways to reduce your overall insurance costs. Bundling can unlock multi-policy discounts, and you manage everything through one agent, one account and one renewal cycle.

What happens if I outlive my term policy?

The policy expires, which means you and your family made it through the years you needed protection most. At that point you can renew, convert to a permanent policy, or reassess whether you still need coverage.

Life Insurance in Colorado| Benincasa Insurance

Where most families start

Term life

Simple. Affordable. Fixed term.

Coverage for 10, 20 or 30 years with a tax-free death benefit.

Lowest monthly premiums of any life policy
Coverage from $100K to $2M+
Lock in your rate for the full term
Can often convert to permanent coverage later
Tax-free payout to your beneficiaries

Best forYoung families, new homeowners and anyone who wants maximum coverage at minimum cost.

Whole life

Lifelong. Cash value. Predictable.

Permanent coverage that never expires, with a cash value component that grows over time.

Coverage lasts your entire lifetime
Builds tax-deferred cash value
Fixed premiums that do not increase with age
Borrow against cash value when needed
Guaranteed death benefit for your family

Best forAnyone who wants lifelong coverage, an estate planning tool, or a policy that builds financial value.

Universal life

Flexible. Adjustable. Long-term.

A permanent policy with flexible premiums and adjustable death benefits that adapt as your life changes.

Adjust premiums and coverage as life changes
Cash value grows with current interest rates
Permanent protection with built-in flexibility
Potential for higher cash value growth
Ideal for evolving financial situations

Best forFamilies whose finances and needs will keep changing over time.

Protect your family. Whatever comes next.

Three plan types. One conversation.

Find the right type of coverage.

Simple. Affordable. Fixed term.

Lifelong. Cash value. Predictable.

Flexible. Adjustable. Long-term.

Why Colorado families trust us with this decision.

No pressure, just guidance

We shop multiple carriers

Plain-English explanations

Flexible coverage options

A local agent for life

A fast, straightforward process

Three steps. A policy in place within days.

Tell us about your family

We compare and explain

You choose, we handle the rest

Trusted by your neighbors.

Straight answers.

The best time to get covered is today.