Why a spouse needs life insurance!

Stop and ask yourself – can I alone afford to raise my children while working full time?  Will I have enough time working full time to raise them right?  Do I make enough to pay all the bills including the new expense of daycare or after school care? During my tenure as a Cop I…
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How much life insurance do I need?

Life Insurance.  Let’s be honest it should be called “death insurance.” While no one jumps out of bed in the morning and says “Today I am going to talk about life insurance!” this is a discussion that needs to be had.  And you DO NOT have enough through your employer’s sponsored plan.   Let us stop and take a…
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Qualified Immunity Changes

Liability Insurance for Law Enforcement

Since the summer of 2020 there has been a number of proposed reforms for Law Enforcement.  Colorado is leading the charge and starting July 1, 2023 Colorado Peace Officers may have to pay up to $25,000 in monetary damages awarded to a plaintiff.  So in essence, you are named in a lawsuit, the civil court finds for the plaintiff or…
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Insurance for Law Enforcement

Cops, Heart Attacks and Living Benefits Life Insurance…

Law Enforcement Officers (LEO) are more likely to experience a heart attack at a younger age and experience a higher mortality rate than John Q. Public.  On average as a LEO you will live 22 years less than the general population. Wow, what a way to greet the day. Let me share some other spooky…
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