Category Archives: Insurance

Do You Need to Remove Someone from Your Life Insurance Policy?

Occasionally, the unthinkable happens. A trusted individual unforgivably betrays your trust. Perhaps they deceived you, stole from you, or did something that left a bitter taste in your mouth. Consequently, they’re no longer in your good graces, and you want them out of your life and your life insurance policy. It’s not enough to sever ties; you must take legal steps to ensure they don’t benefit from your demise. Otherwise, you might find yourself in a precarious situation, akin to a murder mystery game.

How to Remove Someone from Life Insurance

Firstly, removing an irrevocable beneficiary can be quite challenging. To do so, you need their written consent. However, if they’ve committed a crime, you might be able to get a court order to remove them. Otherwise, the process is straightforward. Contact your life insurance provider and request a change of beneficiary form. Fill it out, sign, date, and submit it. You might be able to do this online. Always confirm with your insurer that the change has been processed. You can then decide what to do with the share your former beneficiary would have received. Donating to a charity organization is a commendable option.

Colling Insurance Services Inc. – Your Trusted Insurance Agency in Lakewood, CO

If you reside in the Lakewood, CO, area and require life insurance, please contact us at Colling Insurance Services. We will connect you with a professional and friendly agent who is dedicated to helping you find the policy that best suits your unique needs.

Can Long Term Care Insurance Help Pay Home Health Aides?

Long-term care insurance is specifically designed to assist individuals who require long-term care. It can help cover the costs of care in various situations, but there are a few things you need to understand about the coverage.

Types of Long Term Care Options in Colorado

Long-term care insurance can help cover the costs of various types of care to ensure you or a loved one receives the appropriate care you’re comfortable with. Common situations covered include:

  • In-Home Care: Coverage can help pay for assistance with daily activities, in-home nursing care, housekeeping, and other tasks.
  • Residential Facilities: Long-term care insurance can also help cover the costs of stays in nursing homes.
  • Assisted Living Communities: Assisted living communities provide long-term care for residents who need help with daily living tasks but can manage many things on their own. Communities may provide laundry, housekeeping, and meal services, but residents have more freedom than in a nursing home. Many have their own apartments.

The type of care covered usually depends on the specific policy. Some policies have exclusions regarding what type of care they will cover or how much. Always speak with an agent at Colling Insurance Services Inc. to ensure you understand your coverage.

The Waiting Period for Long Term Care

It’s common for long term care insurance policies in Lakewood, CO to have a waiting period, also known as an elimination period. This is the period that must pass before the policy will cover the costs of care. Many people must pay out of pocket for expenses until it kicks in.

The coverage provided often depends on your specific policy, but agents at Colling Insurance Services Inc. can help you understand what’s covered. We can also help you find the right policy to meet your needs. Contact us today to learn more. We’re currently serving the Lakewood, CO area.

The Right Dental Solutions Offer One More Reason to Smile

Our smile is a powerful communicator and can significantly impact more than just our appearance. It’s often one of the first things people notice about us. That’s why many people strive for a radiant, white smile – first impressions can be pivotal. This desire for a beautiful smile is why many individuals and families in the Lakewood, CO area turn to the friendly and professional team at Colling Insurance Services Inc. for their dental insurance needs.

The Right Dental Insurance Solutions Can Brighten Your Smile

For many of us, our teeth and smile are often taken for granted. That is, until a problem affects our teeth or our confidence to smile. The good news is, in most cases, we can address any issues with our smile and teeth with quality dental care and a skilled dentist. The downside is that dental care can be costly. Fortunately, the right dental insurance can make a difference, giving us another reason to smile. This is why so many people and families in Lakewood, CO trust the team at Colling Insurance Services Inc. for all their dental insurance needs.

Dental Insurance for Lakewood, CO Area Residents

Do you live in or near the beautiful Lakewood, CO, area? Would you like to learn more about how Colling Insurance Services’ dental insurance solutions could benefit you and your smile? We can help. Contact us to find out more and schedule an appointment with our experienced and knowledgeable team today. Protect your smile with the dental insurance solutions you need from Colling Insurance Services Inc.

Going Into Business For Yourself? How to Choose Health Insurance

If you’re self-employed, securing health insurance is crucial. Selecting the appropriate health insurance policy is a significant decision. While insurance policies are available on the healthcare Marketplace, the experts at Colling Insurance Services Inc., servicing Lakewood, CO, can assist you in finding the perfect policy for your needs.

Numerous factors must be considered when selecting the right health insurance. Knowing what questions to ask and what to consider when choosing a policy is essential. Below, we’ve highlighted two key considerations.

Would You Prefer Higher Premiums or Higher Cost Sharing?

If you’re on a tight budget and prefer low premiums, you can often find a policy that fits your budget by opting for a higher cost-sharing option. This is a common choice for healthy individuals without families. If you’re a young entrepreneur with no concerns about incurring high medical costs in the near future, this may be the ideal insurance policy for you.

If you frequently have medical expenses or if you have a family, you may prioritize a policy that offers more comprehensive coverage and lower premiums. Your insurance agent can assist you in making this choice.

What is Your Income?

Your business’s annual income will also affect the cost of your health insurance policy. You’ll need to estimate your income. Your insurance agent can provide more information about how your income affects your health insurance costs.

Start Getting Help Today

Many people seek assistance in finding the right health insurance policy. The experts at Colling Insurance Services Inc., servicing Lakewood, CO, are here to help. Contact us today to get started with a health insurance policy that suits your needs.

The Basics of Umbrella Insurance: Is it Right for You?

Choosing the right insurance coverage becomes more straightforward with the right agent. If you’re contemplating umbrella insurance and you’re in the Lakewood, CO area, Colling Insurance Services Inc. is ready to assist. Our agents can provide you with quotes from various insurers and equip you with the necessary information to determine if an umbrella policy suits your needs.

What Does an Umbrella Policy Provide?

An umbrella policy is designed to extend coverage beyond the limits of your other policies. This includes coverage for your home and auto. In the event of a substantial claim, you may find that your policy’s limits are insufficient, potentially exposing you to increased risk. However, umbrella coverage steps where your other policy falls short provide additional protection.

Is Umbrella Coverage Necessary for Everyone?

Contrary to popular belief, umbrella coverage is not exclusive to high-asset individuals. Anyone can benefit from this additional layer of protection, regardless of the size of their personal assets. In the event of a significant claim, knowing that you have adequate insurance to protect you is comforting, as it can also impact your future.

With an umbrella policy, you can put aside worries about potential large insurance claims. Instead, you can concentrate on your loved ones and pursue your life’s passions.

Collaborate with an Agent for Peace of Mind

Contact us at Colling Insurance Services Inc. today if you’re in the Lakewood, CO area and interested in umbrella insurance. We’re eager to answer your questions and will collaborate with you to secure the best policy for your specific needs. Umbrella coverage is an excellent way to enhance your peace of mind.

In Storage or On the Water Boat Insurance can Make a Difference

Boating holds a unique allure for many. It could be the sense of liberation that comes with navigating the open waters or the tranquility induced by the deep blue sea and the rhythmic sound of waves. Regardless of the reason, boating is a passion for many, especially boat owners who invest significant time in maintaining their vessels. This dedication is one of the many reasons why boat owners in Lakewood, CO, and its surroundings trust Colling Insurance Services Inc. for their boating insurance needs.

Boat Insurance: A Safety Net On Land and Sea

A boat is a substantial investment that warrants protection. Fortunately, the right boat insurance ensures your boat’s safety on land or sea. While boating accidents do occur, many boat owners would be surprised to learn how frequently boats are damaged during transport, at the dock, or even while in storage. This is why consulting with a knowledgeable and professional agent to secure the right boat insurance is crucial. It helps prevent your prized possession from becoming a personal disaster.

Boat Insurance Solutions for Boat Owners in Lakewood, CO

If you are a boat owner in Lakewood, CO, or its vicinity and have questions or need protection for your vessel, we are here to assist. Contact us to learn more and schedule an appointment at Colling Insurance Services Inc. today for the coverage and protection your boat requires, whether in storage or on the water.

Extended Care Requires Longterm Care Solutions

It’s never pleasant to require a visit to the doctor or even an overnight stay at the hospital. However, when the problems that require medical care go beyond a typical visit or the occasional overnight stay, these issues can become more than just an unpleasant event or situation. Long-term care solutions are available because sometimes extended care also requires extended help. These are a few reasons why people and families from in and around the Lakewood, CO area rely on the professional and friendly team at Colling Insurance Services Inc. for long-term solutions for their long-term needs.

Long-Term Care Solutions for Long-Term Care Needs

Although nobody likes to think about it, the truth is that preparation can make a world of difference when it comes to injuries and illnesses of the most serious nature. From having a plan in place to the comfort of knowing you have coverage for the care you might need today and for the many tomorrows to come, there is no replacement for the benefits of preparation and having a solution for your long-term care needs. No, we never want to need those plans, but we will be happy to have them if we ever do. That’s why working with proven and professional agents, like the caring and knowledgeable team at Colling Insurance Services Inc., is important.

Get Long-Term Care Solutions in Lakewood, CO

If you live in or around the greater Lakewood, CO area and have questions about long-term care or need long-term health insurance solutions, we can help. Contact us to learn more and get the care, coverage, and protection you need for all your long-term care needs at Colling Insurance Services Inc. today.

Are Life Insurance Benefits Taxable?

Life insurance serves many purposes for many people. More than just a means to handle any debts or bills left behind, for many of us, it’s also a way to leave something behind for those we love and care about. These are a few reasons why people and families in and around the beautiful Lakewood, CO area rely on the friendly and professional team of agents at Colling Insurance Services Inc. for all their life insurance questions, needs, and concerns – like, are my life insurance benefits taxable?

Are My Life Insurance Benefits Taxable? Here’s What You Should Know

Many types of gifts are taxable, which can seem unfair. Now, imagine how it would feel to know that your last gift, your inheritance, and one of the last expressions of love you will make – comes with taxes. Here’s the good news: In most cases, your life insurance benefits aren’t taxable. Here’s the important news and what you need to know: To ensure your benefits aren’t taxable, you should talk to an experienced and reputable agent about all your life insurance questions, needs, and concerns.

Find Life Insurance Solutions in Lakewood, CO

If you live in or near the Lakewood, CO, area and have questions or would like to learn more about life insurance solutions, our knowledgeable and professional team of agents at Colling Insurance Services can help. From caring for those you love to taking care of end-of-life planning, our team can help with all your life insurance needs. Contact us to learn more and schedule an appointment today for the life insurance solutions you deserve at Colling Insurance Services Inc.

Health Insurance for When Your Health Matters Most

Insurance plays a crucial role in safeguarding our property, assets, health, and everything we hold dear. It provides a safety net for everyone, from paycheck-to-paycheck earners to the well-established, offering solutions for accidents, tragedies, or unexpected events. This is why people from all walks of life in Lakewood, CO, trust the professional and friendly team at Colling Insurance Services Inc. for their health insurance needs and solutions.

Health Insurance: A Necessity in Times of Need

Health insurance is beneficial for everyone, regardless of their financial status. It assists those who depend on their health to work and those who face extensive healthcare expenses. Given the high costs of healthcare services and procedures, it’s essential to have a plan that covers your needs. At Colling Insurance Services Inc., we work with people from all walks of life to find the right plan, coverage, and insurance for their needs. Healthcare is important, and health insurance makes it affordable, practical, and attainable.

Exploring Health Insurance Options in Lakewood, CO

If you reside in the greater Lakewood, CO area and have questions or want to learn more about health insurance, we can help. Our experienced and knowledgeable team of agents at Colling Insurance Services Inc. is ready to answer all your questions and assist with your health insurance coverage needs. Contact us to learn more and schedule an appointment for the protection and solutions that only insurance can provide at Colling Insurance Services today.

Is Dental Insurance Worth It? What Does It Cover?

Maintaining clean, healthy teeth requires regular visits to the dentist. However, the cost of dental care can be a barrier for many people. This is where dental insurance comes in. Dental insurance can make dental visits more affordable, helping you maintain healthy teeth and gums. At Colling Insurance Services Inc., servicing Lakewood, CO, we’re here to help. Here’s what you need to know.

The Advantages of Dental Insurance

Dental insurance comes with numerous benefits:

  • Makes dental visits more affordable: Dental care can be expensive, but it’s far more affordable with dental insurance.
  • Helps maintain oral health: Many dental insurance policies prioritize preventive dental care, helping you keep your teeth clean and gums healthy.
  • Dental insurance covers a range of services. It is flexible, with some policies offering more coverage than others. Your insurance agent can help you find the right policy for your needs.

What Does Dental Insurance Cover?

The coverage provided by dental insurance varies by policy. Most policies cover preventive maintenance like teeth cleaning and x-rays. Some policies cover restorative dentistry, like cavity fillings and root canals. Others also cover orthodontics like braces. You’ll need to speak with your insurance agent to find out what your dental policy covers. If you’re shopping for a dental insurance policy, your insurance agent can help you find the best policy.

Looking for Dental Insurance? Contact Us

At Colling Insurance Services Inc., servicing Lakewood, CO, we provide dental insurance to our clients. We can shop around to help you find a policy that fits your budget and ensures the right type of coverage for your needs. Call today to speak with one of our agents and get started.