Monthly Archives: August 2026

Is it Time to Make Changes to Your Policy?

Decisions about financial planning can be challenging for everyone. One important decision is whether to purchase life insurance. If you live near Lakewood, CO, our team at Colling Insurance Services Inc. invites you to visit our office to review your life insurance options. We’ve been helping clients like you since 1957.

Is It Time to Make Changes to Your Policy?

When you buy a life insurance policy, its coverage reflects the present status of your life. But life changes in many ways over the years, and those changes can affect how your policy’s payout should be distributed. It’s generally a good idea to review your life insurance policy at least once a year.

Marriage and divorce are two life events likely to prompt policy changes. The birth or adoption of a child is another common reason to adjust your coverage amount or structure. Personal financial decisions, such as taking out a mortgage or a business loan, may also require a shift in how your policy payout is directed. Always keep your beneficiaries’ contact information current, and keep an up-to-date copy of your policy with at least one trusted friend or legal advisor.

Call Us for Your Appointment Today

It can feel overwhelming to think about the end of life, but having life insurance in place can provide for your family when that time comes. Our team at Colling Insurance Services Inc. has the experience to help you understand all your life insurance options. Clients in the Lakewood, CO, area have been placing their trust in our team’s expertise for nearly 70 years. Give our office a call today to get the life insurance coverage you need.

What Does Long-Term Care Insurance Typically Cover?

At Colling Insurance Services Inc. Agency in Lakewood, CO, we talk with people every day who want to plan ahead but aren’t sure where to begin. Long-term care insurance is one of the most important tools available for protecting your financial future. Understanding what it covers can help you decide whether it’s the right fit for your situation.

Help With Daily Living Activities

Long-term care insurance is designed to help cover costs when you can no longer handle certain daily tasks on your own. Things like bathing, dressing, eating, and getting around safely are all considered activities of daily living. Most policies begin paying benefits once you need assistance with at least two of these activities. That support can come from a paid caregiver, a nursing facility, or a home health aide.

Care Settings That Are Typically Covered

One of the biggest advantages of long-term care coverage is the flexibility in where you can receive care. Many policies cover in-home care, assisted living facilities, adult day care centers, and nursing homes. Some plans also include memory care for those living with Alzheimer’s or other forms of dementia. Having these options means you can make choices that truly fit your lifestyle and needs.

Other Benefits Worth Knowing

Some long-term care policies also cover care coordination services, where a professional helps manage your care plan and connects you with the right resources. Certain plans even cover home modifications, like grab bars or ramps, that make daily life safer and more manageable.

Real Options When It Matters Most

Long-term care insurance gives you real options when life takes an unexpected turn. At Colling Insurance Services Inc. Agency in Lakewood, CO, we’re here to help you find the right coverage for your needs. Reach out to us today.