Life insurance for Northern Colorado families.
Term, whole, and universal life, explained in plain English. We work out what your family would actually need and build a policy that protects them without straining the budget.
- Term life insurance for straightforward protection during the years that matter most
- Whole and universal life for permanent coverage and cash value
- Honest recommendations built around your household, not a sales target
- Bundle with home or auto for additional discounts
2023 · 2024 · 2025
two states
of experience
Fort Collins, CO
Protecting the People Who Count On You
Life insurance is easy to put off and hard to think about. We keep it straightforward: what your family would need if something happened to you, and what it takes to cover it.
At the Thompson Insurance Agency, we walk through that math with you and recommend the structure that fits your household. If permanent coverage isn't the right answer for you, we'll say so. We're a family-owned Fort Collins agency serving families across Loveland, Windsor, and Northern Colorado since 1969, licensed in Colorado and Wyoming.
The life insurance options we write.
Most life insurance comes down to a choice between term life insurance and permanent coverage. Here is what each one does.
Term Life Insurance
Provides a level death benefit for a fixed period of years, at a lower cost than permanent coverage.
Whole Life Insurance
Offers lifelong coverage at a fixed premium, and builds guaranteed cash value over the years.
Universal Life Insurance
Offers permanent coverage with flexible premiums and a cash value that adjusts over time.
Final Expense Coverage
Covers funeral costs and other final expenses through a smaller, simpler permanent policy.
How we think about the right amount.
There are several formulas and none of them are perfect. The right number depends on what you would want your family's life to look like if you weren't there. These are the three things we always walk through.
Replace the income your household runs on.
Most families start with enough coverage to replace the primary earner's income through the years the household still depends on it, over a term long enough to get the youngest child through school. That is the baseline, and everything else builds on top of it.
Cover the mortgage and major debt.
Most term policies are sized so the death benefit clears the mortgage and any major debt at minimum. That way a family doesn't risk losing the house in the same year they lose a parent.
Account for the kids' education.
If college is part of the plan, we fold tuition into the calculation so that goal does not disappear along with the income that was going to fund it.
Questions we get a lot.
If your question isn't here, call us. We'd rather answer it on the phone than read about it in a help center.
Call (970) 482-5100Life insurance for Northern Colorado families. Quote in minutes.
Tell us the basics about your household, including ages, income, mortgage, and kids, and we'll walk through the coverage that actually fits. No hard sell on permanent, and no pushing a product because it pays us better. Just the math and a straight recommendation.
2108 Milestone Dr · Fort Collins, CO 80525