Life Insurance

Life Insurance: choose the cost-effective coverage you need

A financial safety net

Get Affordable Insurance Quote with Mile High Legacy

Getting life insurance has never been easier. If you live in Colorado, Florida, Maryland or Michigan, you can quote and buy life insurance online in just a few clicks. Get customized coverage, in language you can understand, at a competitive price – and do it all online. We’ve changed life insurance for the better, so you can worry less and live more.

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303-931-9252

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How much insurance coverage do you need?

A simple rule of thumb is 10-12 times your annual income to replace lost earnings, cover the mortgage, and secure your kids’ future. If you’re younger (28-40) with a young family, consider enough to replace your income until your kids are grown. For those 55-70, it’s about covering final expenses, paying off debts, and leaving a legacy. The right amount depends on your family’s needs—want help figuring it out? Let’s chat

    We've got answers

    Frequently Asked Questions

    1.Main benefit of having life insurance?

    Income Protection, Not Just Life Coverage

    "Life insurance isn't about death — it's about protecting your paycheck for your family.”

    It is a financial tool that ensures your family's lifestyle continues if you're not around.

    2.Is there only a payout upon death?

    Living Benefits (Not Just Death Payouts)

    A lot of people don't know that some life insurance policies offer critical illness coverage or cash value loans while you're still alive.  (Heart attach, stroke, or cancer)

    Learn More

    3.Why is life insurance so expensive?

    Affordable Protection (Cheaper Than You Think)

    Many men assume life insurance is expensive. However term life insurance can cost less than a Netflix subscription — especially if you act while they're healthy.

    "A small price today protects your family’s entire future."

    4.I am young, do I need life insurance?

    Lock-In Low Rates While You're Young & Healthy

    The price never goes down the older you get — but you can lock in a low rate for decades if you buy now.

    "The best time to buy life insurance was yesterday. The second best time is today."

    5.Is a medical exam required?

    No Medical Exam, Quick Coverage Options (For Simplified Policies)

    Middle-aged men hate paperwork and avoid anything that seems complicated. Some policies offer quick decisions  without medical exams.

    "Life insurance in minutes — no needles, no hassle."

    6.I am not convinced, do I need a policy?

    Peace of Mind, Not Just a Policy

    Think of it as a love letter to your family — a way to protect them even when you're not around.

    "You may not be here forever, but your love and protection can be."

    7.What about my tight budget?

    Customized Coverage for Every Budget.

    Mile High Legacy doesn’t sell one-size-fits-all policies.  

    "Protection built for your life, your family, and your budget."

    8.Can insurance help with retirement or emergencies?

    Legacy + Wealth Building (For Permanent Policies)

    Some policies build cash value over time, acting like a forced savings plan that can help with retirement or emergencies.

    "Life insurance that protects your family today — and builds wealth for tomorrow."

    9.What about the Red Tape for paying out claims?

    Fast Payouts & No Red Tape

    One of the biggest fears is that insurance companies will fight claims. This is the reason we only work with A rated carriers and offer policies with guaranteed fast payouts.

    "Your family gets the money when they need it most — without the headaches."

    10.No thanks, “I” don’t need it, or do I?

    It's Not for You — It's for Them

    Most people don't buy life insurance because they think they don't need it. But it's not about you — it's about the people who would struggle without you.

    "Life insurance isn't for the one who dies... it's for the ones who live."