Free Colorado Life Insurance Buyer’s Guide
7 questions to ask before you buy — so you don’t overpay, get underinsured, or find out too late that your policy doesn’t cover what you thought. Written by Tom Hinerman, independent broker. No call center, just straight answers.
- How much coverage you actually need (with a simple rule of thumb)
- Term vs. whole life vs. IUL, explained in plain English
- Five questions to ask any agent before you buy
- The most common (and costly) mistakes people make

