It’s important to carry long-term care insurance. At Colling Insurance Services Inc., we offer long-term care insurance in Lakewood, CO.

The following are three reasons why you should purchase long-term care insurance.

Aging adults are likely to need long-term care at some point.

It’s important to realize how prevalent the need for long-term care is. As adults get older, they become increasingly more likely to require long-term care to get by on a daily basis.

According to some estimates, half of all individuals over 65 will develop a disability and be in need of long-term care before the end of their lives. Even if long-term care is only necessary temporarily, it’s still important to have this health care need covered by insurance. 

A standard health insurance policy is not likely to cover all long-term care needs. 

Don’t assume that your health insurance policy or the health insurance policy of a loved one included long-term care coverage. In fact, the majority of health insurance policies out there don’t provide coverage for long-term care.

To have the expenses of long-term care covered by insurance, it’s important to invest in a long-term care insurance policy. 

Long-term care is very costly out of pocket. 

If you or a loved one ends up needing long-term care, the resulting costs can be financially devastating. It’s important to realize how much long-term care costs will be if you find yourself in the situation of having to pay out of pocket. Aging individuals need to be insured for this type of health care cost to avoid financial problems in the future. 

If you’re looking for the right long-term care insurance policy, get in touch with us at Colling Insurance Services Inc. We offer long-term care insurance in Lakewood, CO. 

If you’re under the impression that life insurance is only for families, think again. Anyone can benefit from the financial security that life insurance from Colling Insurance Services Inc. has to offer. If you were to suddenly pass on, would your loved ones have the financial support they need to carry on? Here’s why everyone should consider a life policy.

Debts

Like many people, you may have quite a few debts that you’re paying off on time. These could range from a mortgage to private student loans. If you have a cosigner on these debts, they could be held responsible to pay these off in the event of your sudden demise. Life benefits can help cover debts, freeing your loved ones of this responsibility.

Financial Support

If you’re married, life benefits can provide financial support to your family after you’re gone. If you’re single, benefits can be used to support your aging parents in Lakewood, CO or put a younger sibling through college. Life benefits can even help keep a business running if you entered into a partnership with someone before your demise.

Charitable Causes

Life benefits can be used to sponsor charitable causes to make a difference in the lives of those in your local community. Your legacy could be the help you give others in their time of need.

Funeral Costs

Your unexpected demise could catch your loved ones unprepared financially to pay for your funeral costs. Life benefits can be used to cover these expenses, so your family isn’t put under financial pressure during this difficult time.

Borrowing Power

By investing in whole life insurance, you can borrow from your policy to get instant cash when you need it most.  

To learn more about life insurance options, coverage and costs, contact Colling Insurance Services Inc., serving residents in Lakewood, CO.

Nothing feels happy than having a healthy and happy family. However, irrespective of the security and protection you offer to your family, there can still be incidences that may attack their wellness. Many individuals are faced with financial stress when it comes to managing medical payments for their family members. One of the best ways to overcome such stress would be buying an individual and family health insurance plan. This can enable you to afford a good quality health-care, without much financial strain.

One of the most important benefits of individual and family health insurance plans in Lakewood, CO is that a single plan covers all the family members. This includes yourself, your spouse, the kids, dependent parents as well as dependent parents-in-law. Therefore, consider taking individual and family medical insurance plans and enjoy health insurance solution for all your family members. It’s also important to point out that the family health insurance plan is affordable. In essence, the amount of money paid for the protection of all family members is much less than the total amount spent on individual insurance policies.

It’s easy to add a new family member with a family health insurance plan. If a new family member arrives, let’s say newborn, you can easily include it in the health coverage by making a request to your insurance company. However, this varies depending on the terms and conditions of the policy you are dealing with.

In summary, family health insurance plans are ideal when it comes to health insurance needs for your family. The plan covers all family members, affordable and it’s easily available. It has provided a lot of relief for many families since the insured amount can be shared by every member of the family. The over-all claim could be used by a single person as well. Therefore, if you are in Lakewood, CO, and you are looking for a health insurance cover, don’t hesitate to contact Colling Insurance Services Inc and get the necessary guidance to invest in a family health plan that fits you right.

All people in the Lakewood, CO area have the important responsibility of taking care of their personal health. One part of this is to take care of your dental health as well. One way that you can ensure that you are able to care for your teeth is by getting a quality dental insurance policy. There are several reasons why you should get dental insurance for yourself and your dependents. 

Receive Access to Affordable Dental Care

The main benefit of seeing a dentist is that you can receive access to affordable dental care. It is very important to see a dentist regularly. When you do, you can receive proper cleaning and have your teeth checked out. This could then help you to avoid decay, root canals, and other dental challenges from forming. This will help you to enjoy healthy teeth and a nice smile for years to come. 

Access to Emergency Care

Another important reason to have dental insurance is that you will have access to emergency care. Dealing with a personal dental emergency can be very challenging. If you have a dental emergency, you could find yourself in a lot of pain, which could affect all areas of your life. If you do have dental insurance, you will be able to see a dentist when you need to if you do suddenly find yourself in need of emergency dental care.

As you are looking for dental insurance in the Lakewood, CO area, you should speak with the team of insurance professionals at Colling Insurance Services Inc. If you do call Colling Insurance Services Inc. for your insurance needs, you will be in great hands. The team here will be able to assess your situation and help you to pick a policy that will provide the right coverage. 

A Lakewood, CO business owner could find that the strong local economy makes it a great place to own or manage a company of any size. If you are going to own a business here, you need to make sure that you get all of the right insurance for your company. One important form of coverage that your business needs to have is the worker’s comp insurance. There are several reasons you should get this type of coverage.

Provides Protection for Employees

The employees of any company are an extremely valuable asset. Due to this, you will want to make sure that they are covered and protected. With a worker’s comp insurance policy, you can be assured that they will be covered if they suffer an injury while working. This ultimately helps to protect the business as well as it can reduce the company’s out of pocket liability for these situations. 

Legal Requirement

Another reason that you should get workers comp insurance for your business is that it could be a legal requirement. If you have a certain amount of employees in this state, you need to provide this coverage to your employees. Those that do not have this coverage for their company, could face serious penalization. 

If you would like to own a business in the Lakewood, CO area, and are considering your insurance needs, adding workers comp insurance is very important. When you are looking for this insurance for your business here, you should call Colling Insurance Services Inc. The team at Colling Insurance Services Inc. can give you the guidance that you need to build and choose a policy. This could help to ensure that your business is in compliance with all regulations and that you are providing valuable coverage to your team. 

The Lakewood, CO area offers people in the area with immediate access to many great recreational activities and options. One way that you can explore the area and enjoy it as much as possible is by getting a recreational toy. When you are going to purchase a recreational toy, you also need to spend time thinking about your insurance needs. There are several ways that a recreational toy in Lakewood could protect you. 

Provides Protection for Liability Risk

One way you can be protected with a toy insurance policy is by receiving liability risk protection. Anyone that operates a recreational toy is going to take on the risk that they could cause an accident that could lead to damages and even bodily injury. Since these damages can be extensive, you will want to have liability protection to ensure you are covered. 

Covers Your Assets

With a recreational toy insurance policy, you will also receive coverage for your asset. If your toy is stolen or damaged in any way, the insurance policy will give you the coverage that you need to repair or even replace it entirely. If you have leased the toy or taken out a loan, carrying this insurance will be a requirement. 

When you get a recreational toy in the Lakewood, CO area, you are going to want to have it properly covered by insurance. One way that you can do this is to reach out to the team at Colling Insurance Services Inc. to discuss your needs and options. The team at Colling Insurance Services Inc. has helped many people in the area better understand and assess their insurance needs. They can then provide you with the insight you need to choose the right toy insurance policy for your situation. 

The Lakewood, CO area is a great place to live in. When you are here, you are going to have access to all of the great natural beauty that the state of Colorado has to offer. To ensure that you are able to see as much of it as possible in a convenient fashion, you should get an RV. When you have an RV, you are going to have a great mode of transportation that will also offer you a place to relax when not on the road. If you do get an RV, there are several reasons why you should also get an RV insurance policy. 

Coverage Protects Asset

One of the main reasons that you should get a RV insurance policy is that it will protect your asset. A RV is a very valuable asset that you will want to cover as well as possible. When you get a RV insurance policy, you are going to receive the protection you need to ensure you are covered if it is damaged or stolen.

Gives Liability Coverage

Another reason you should get RV insurance is that it will give you liability coverage. Anyone that drives an RV is going to be taking on the risk that they could cause an accident. If this occurs, you could be left with some significant liability expenses to cover damages. With RV insurance, you will receive protection against this risk.

There are plenty of reasons to get an RV insurance policy when you are in the Lakewood, CO area. When you are looking for insurance, you should call Colling Insurance Services Inc. The team at Colling Insurance Services Inc. can offer you a lot of protection that will help to ensure that your vehicle is properly covered. 

If you love to ride the Lakewood, CO waters, then it wouldn’t be a bad thing to consider your boat insurance options. Boat insurance can protect your water-traversing vehicle in the case of a serious accident or worse. Learn all of the in’s and out’s of boat insurance with Colling Insurance Services, Inc. and stay covered for your next boating trip. 

What Does Boat Insurance Cover? 

Boat insurance provides you with financial relief in the event that your boat sustains damage from an accident or other type of incident. If you’re unfamiliar with boat insurance and boat insurance protection, here are some areas in which boat insurance provides coverage: 

• Collision damage
• Property damage
• Injury
• Comprehensive coverage
• Liability 
• Additional coverage

These are just some of the areas in which boat insurance can provide coverage. The specific coverage types and coverage amounts that you can receive will depend on the boat insurance policy that you choose. To find the right boat insurance policy for you, visit Colling Insurance Services, Inc. to help you stay covered. 

Why Is Boat Insurance Important? 

Boat insurance is something that can provide you protection and relief for when you get into an accident. It’s easy to overlook the possibility of an accident occurring on the Lakewood CO waters, but it can happen to anyone at any time. That’s why it’s important to have a policy for your boat to prepared for the worst-case scenario. It’s always better to have coverage and never need it than it is to not have coverage and find yourself desperately needing it. 

Protect Your Boat with Colling Insurance Services, Inc. 

When it’s time to choose a boat insurance policy, visit Colling Insurance Services, Inc. to find the right boat insurance policy for you. Our office serves the Lakewood, CO area, and we can help you explore your options.   

Many of us associate umbrella insurance with liability coverages. In fact, it is the main reason why most wealthy business owners, asset owners, and landlords in Lakewood, CO buy umbrella insurance–to add extra coverage to protect their valuables. Umbrella insurance goes beyond simple liability coverage that home, boat, and auto insurance offers.

At Colling Insurance Services Inc., we understand that we are living in a very litigious society. That is why we help people like you add extra liability coverage to avoid expensive lawsuits in case they happen.

Umbrella insurance and breach of contract.

Umbrella insurance is known to go above normal liability coverages and cover most legal issues. When you decide to buy the policy, it is important to consider your exact insurance needs as well as the terms and conditions of your insurer. Most umbrella insurance plans are linked to various legal issues that include breach of contract. If you have been looking for coverage that will help cover for breach of contract in Lakewood, CO, the umbrella insurance will do.

Should you hire a lawyer

Most umbrella insurance claims often involve some complex terms and concepts that may require you to hire a lawyer to help you through the process. Breaching a contract is not a straightforward activity, and a lot of proof and evidence needs to be presented, which can lead to serious strain on your finances. Umbrella insurance will pay for the legal fees based on your coverage limits.

Business loss of use and negligence cases

Like we said, contract cases are hard to prove as they contain a lot of technicalities that can quickly trip a lawyer. If your contract is breached, you want to prepare yourself by hiring some of the best lawyers to protect your interests. This is made possible when you buy adequate umbrella insurance.

For more information, feel free to visit us Colling Insurance Services inc. today!