For a FREE COLORADO LIFE INSURANCE QUOTE with no obligation
send an e-mail request or call Jerry Lucas at (719) 591-0433 for assistance.  

Term Life Insurance

Provides life insurance for a specific time period (term). Does not build up cash value. Ask us about the new Return of Premium (ROP) option which returns all of the premiums you pay for the insurance. 

Call or send email for a free term life insurance quote with low rates from leading insurance companies.  

Watch for online term insurance quotes coming soon!

Variable Universal Life (VUL) Insurance

Provides life insurance protection and builds cash value using professionally managed investments with variable returns.  Most variable insurance products are sold with high sales commissions that reduce your cash value and have high surrender charges for many years after purchase.  

You can buy no load and low load life insurance products, with no sales commissions and no surrender charges, that build up cash value for you more quickly.

You can buy a good VUL policy from Ameritas Direct and pay no sales commissions and no surrender charges.  They can answer your questions about their VUL product.  Contact their salaried professionals at 1-800-555-4655.

For variable life insurance, you will need someone to select and manage your investment choices.  Although many companies claim to have a wide variety of investment choices in their variable life insurance, upon a closer look, this is often an opinion, not a fact.  You need lots of different asset classes for investment choices so that you can change your investment selections when needed.

Some variable life products offer many investment choices that are all similar, in the same asset class, while not offering investment choices in other asset classes that you may need.  For proper diversification and asset allocation, you need lots of different asset classes to choose from, not lots of investments in the same asset class.  A side by side comparison of investment choices, sorted by asset class, is needed to make a wise decision and avoid buying a bad variable life insurance product.

If oil and gas stocks continue to do well, you want to have an energy investment to choose.  If the stock market goes into a long decline, you want to have a bear market fund to choose.  Other sectors that are valuable to have available are health care, technology, real estate, and financial.  International stocks and emerging markets are also good to have on the menu of choices.

We can help you compare variable life insurance products and avoid costly mistakes before you buy.  If you buy the wrong product, you may be trapped and find you cannot get out for many years without paying a big penalty in the form of an exit fee or surrender charge.

Make sure you understand what you are buying, before you buy it.  You deserve a complete explanation.

As a fee-based investment advisor, we can advise you or manage the investment choices in your variable life insurance for a low management or advisory fee.  

We work for you and advise you, as our client.

Call Jerry Lucas or click here for a Free Consultation on your Colorado life insurance questions.

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