Call Us Today:
970.648.0034

Individual Life Insurance in Grand Junction, Montrose and surrounding areas in Colorado

Peace of Mind for you and your Loved Ones.

Home Loan Insurance provides life insurance to individuals in Grand Junction, Montrose, Delta, Telluride, Fruita, Glenwood Springs, and surrounding areas.

 

Many individuals consider life insurance to be the cornerstone of a sound financial plan. And while no one likes to think about passing on, Life Insurance can relieve you of the financial worry your loved ones may face in the event of your passing. 

 

Your beneficiaries will be able to use your Life Insurance policy to help pay for anything from expensive funeral costs and estate taxes to making up for lost income or funding your child’s education. It can even be used to continue payments on your mortgage to help ensure that the family home stays in the family.

 

At Home Loan Insurance, we know that choosing a Life Insurance plan is a big decision with many important factors to consider. Our knowledgeable team of insurance professionals is committed to walking you through the process and providing you with the best insurance solution to give you and your family the peace of mind you deserve. 

 

Types of Individual Life Insurance

 

Home Loan Insurance offers several different coverage options for your consideration: term life, whole life, universal life, and variable life insurance.

 

Term Life – This is typically the simplest and least expensive insurance option. Term life insurance provides coverage at a fixed rate for a specified period of time. It’s a benefit policy that’s used primarily to cover financial responsibilities of the insured, with the benefit to be paid only if the insured were to die during the specified term. Most term life policies can be converted to a more permanent insurance solution such as whole life, variable life, or universal life insurance.   

 

There are two types of term life insurance: 

  • Annual Renewable Term is purchased for a period of one year, with the death benefit to be paid only if the insured were to die during that one-year term, along with the option to renew after the term period.
  • Level Term Life guarantees a fixed premium for a given period of time, usually in terms of 10, 15, 20, or 30 years. Your premium is based on your age and coverage options, with longer terms being more expensive.?

 

Whole Life – As the most common type of permanent insurance, a whole life policy guarantees a death benefit for the lifetime of the insured as well as a cash value account for savings. Your premium remains constant throughout the duration of policy while payments over and above your premium are credited to your savings, which earn a fixed rate of interest. 

 

Universal Life – Universal life policies are designed to be more flexible than other permanent Life Insurance. You are still guaranteed a death benefit for the duration of the policy as well as savings that accumulate cash value, but the flexibility of a Universal Life plan allows you to change certain aspects of your plan to accommodate life changes. 

 

Depending on your options, you have the flexibility to change the overall value of the death benefit as well as the time and amount in which you pay your premium. This gives you the option to focus on building your policy’s cash value, or pay a lower premium and focus on guaranteed protection. It’s important to note that changes to your universal life policy can affect its guarantees and limits.

 

Variable Universal Life - With a variable universal life (VUL) Insurance policy, you get the same flexible benefits of Universal Life while being able to take advantage of potential economic growth in the stock market. Instead of creating a cash value for savings, the value of your VUL policy is invested in professionally managed funds that reflect the performance of the stock market. This also means that as the policy owner, you assume the risk and responsibility of monitoring your own investments.

 

Home Loan Insurance is here for you!

 

There are many things to take into account when purchasing life insurance, and changes in your life situation can reflect changes in your insurance requirements. That’s why it’s important to carefully consider the different policy options and ensure that you have the right solution to meet your long-term life insurance needs. 

 

An insurance specialist with Home Loan Insurance will review your current life insurance situation and help you design a policy to plan for the future. 

 

At the end of the day, one of the biggest investments you can make is an investment in yourself. 

 

Our Locations

Home Loan Insurance- Grand Junction, CO

205 N. 4th Street
Grand Junction, CO 81501
Main office: 970-648-0034

HL Insurance- Parker, CO

11280 S. Twenty Mile Road STE 107
Parker, CO 80134
Main office: 720-809-8119

Our Providers

Testimonials

My name is Casey and my husband and I have personal insurance through Home Loan. I wanted to let you know how pleased I am with Julie Sinclair as my insurance agent. She is polite, friendly, knowledgeable and always promptly returns my calls. Having my insurance through Home Loan and working with Julie has been nothing but easy and headache- free for me, and as a busy mom, wife and nurse, I so appreciate this! I just wanted to let you know as often employees get over looked for what an outstanding job they're doing. I think customer service in this world is often very poor so I very much appreciate her wonderful customer service skills and friendly demeanor. Thank you. - Casey P.
Casey P.
Matt, I Just wanted you to know that everyone Bill and I have worked with there at your office has been incredibly helpful and patient: Katie, Beverly, McKenzie and any of the others I can’t recall right now and especially yourself. We really appreciate all your assistance. Thanks again!
Candy Hardin, Vice President & CFO of Iona Management Group
I was so impressed with the folks at Home Loan Insurance. They were able to save me a substantial amount of money compared to the company I was with. I also have better coverage. Julie was a pleasure to deal with, she really went to work for us and researched how we could save money by consolidating all of our insurance coverage through them. Everyone I have dealt with at Home Loan Insurance as well as Home Loan State Bank has been very courteous and knowledgeable. I am recommending them to all of my friends to at least let them quote their insurance needs.
Adrian Appelhans Montrose, Co.
We recently experienced a interior flood due to plumbing failure at our townhouse rented by my daughter. Home Loan was very quick to respond and they addressed all of our needs in a compassionate and professional manner. I would highly recommend Home Loan. The level of response and assistance was outstanding. Thanks Home Loan for making a overwhelming situation manageable.
Barbara Douchant
Fantastic customer service. Always prompt and helpful. I would recommend Home Loan to anyone! Julie Sinclair is awesome!
Joe Gaizutis
Julie Sinclair is extremely knowledgeable and easy to work with. My quote --at very competitive rates-- and temporary insurance cards were provided within minutes of our phone conversation. I highly recommend Home Loan Insurance and Julie. Darren Coltrinari, also Home Loan Insurance, is great to work with as well. Professional, easy going, competitive prices.
Dan Collins
Great customer service and very knowledgeable employees!
Garrett Brafford
Julie Sinclair has been helping my family with our insurance needs for years. After moving to Kansas for college several years ago, I was upset I would have to start using a different insurance company. Now that Home Loan is covering Kansas I'm so happy to be back working with her again. She is not only easy to work with, but extremely knowledgeable of the products her company offers. My husband and I are looking forward to working with Julie for many years to come!
Amy Pick
Love Home Loan! Julie has been so great with our car insurance and Wendy Jones is a true gem! Would highly recommend them!
Leah Johnson
Home Loan Insurance is as top notch a company to work with as they come. I'd say they are even better than advertised.
John Messinger
I have been a Home Loan Insurance customer for 20 years. I have added several policies and have filed multiple claims over the years. The service has always been excellent.
Nate Russell
I have been working with Brittany Case regarding my health insurance policy. She has went above and beyond to help my husband and I during this difficult process. We couldn't have done this without her. I highly suggest using this company for any of your needs.
Ashley Newberry
Our agents are fast responding to questions, super friendly and overall so easy to work with. Thanks for great service!
United Way of Mesa County
Carma Brown and the insurance division at Home Loan have demonstrated outstanding service to my wife Valerie and me from day one. We have used Home Loan Insurance for many years I can vouch for their consistency of great service and ability to understand our needs insuring our properties, vehicles and other specific requests. They have been especially versatile any time we have requested service in an emergency time frame. We recommend Home Loan Insurance to all our friends and business partners.
Kevin Brooks, CEO of Big O Tires, Inc.
Our company has done business with Home Loan for decades, and I personally have been involved since my hire here about 4 years ago. As with most business relationships there have been ups and downs. I will stress MORE UPS, than downs. I have been able to talk with all available personnel there, whenever necessary, and have always received a prompt response to our requests. We have always been able to resolve any problems and have worked to improve our systems on both sides. I would not hesitate to recommend Home Loan to anyone requiring their services.
Medic Adams, Moody Construction Risk Manager
Home Loan Insurance has always given me excellent service!
Rebecca Daniels, Owner of DLD Pipe Recovery Systems, LLC
To me the three most important properties necessary for a business to succeed are quality, cost and response, but I was wrong because Carma Brown added the dimensions of friendliness, warmth and caring to the insurance business so that no matter what emergency or situation we may get into we know that Carma and the folks at Home Loan Insurance will take care of us. These last three dimensions can't be bought or paid for; they are just there whenever we need them.
Lon Alexander, Retired
Beverly [Troester] is a connector at heart. She seeks to connect her clients, associates, and colleagues to solutions. Her knowledge of insurance and the current condition in the insurance world is outstanding. She is never afraid to say that she needs to research something and even better she will always follow up with the answer when she finds it.
Jennifer Kettlewell- Executive Director of NW Colorado BNI
I have been a customer of Home Loan for a little over a year, but my family has been with them for years. What service! Always returning calls promptly, making sure my questions are completely answered and to boot, they had the best prices!! Winning combo- great service + great prices. Thanks, Carma & Wendy!!
Connie Tremblay
I would recommend everyone here in the Grand Valley to come on down to Home Loan Insurance. They have friendly, fun, and excellent customer service!
Kiana G.
I worked with Rich [Englehart] for about 5 years and came to know him both as a professional and as a friend. Rich is the type of agent that makes you feel "at home," because he works very hard to ensure you feel comfortable with your insurance coverage. I would highly recommend Rich to any business owner looking to protect their investment.
Stephanie Roush- Crouse and Associates
I am a customer of both Home Lone State Bank and Home Loan Insurance. I am very satisfied with service levels on both sides! A very helpful company no matter what our needs are and are glad to see you when you come in.
Gary Crone, Owner of Comet Cleaners
Home Loan and their employees are not only a huge support to our community through their volunteer efforts and donations but also provides our family with trusted service for our insurance and banking needs for the last 18 years.
Kelli H