What would happen to your family if your income suddenly stopped? Mortgage payments, college tuition, and everyday bills don’t pause during a crisis, and relying on work-provided life insurance is rarely enough.
At Trailstone Insurance Group, we help you calculate exactly what your loved ones would need, compare top policies side-by-side, and lock in coverage you can count on. You can’t predict the future, but you can make sure they’re protected in it.
When Jeff passed unexpectedly, the mortgage still needed to be paid, college was still years away, and the family business had to stay open. The policy he bought years earlier made all of that possible.
Life insurance steps in when you cannot. It makes sure the people you love can keep their home, continue their education, and live without the burden of sudden financial strain.
Savings and investments take time to grow. Life insurance delivers what your family needs right away, no matter how much or how little you had set aside.
Life changes quickly. The right policy can shift from protecting a young family to covering estate plans, business needs, or retirement goals.
Many people count on the policy they get through work, but that coverage ends the moment your job does. A layoff, retirement, or medical leave can leave you without protection, and qualifying for new coverage at that point can be difficult and expensive.
Even while you have it, workplace coverage is often only a fraction of what your family would actually need to stay secure.
Owning your own policy means you control it, you keep it no matter where you work, and you can choose an amount that truly protects the people you love.
— Deborah S. Denver, CO
Get instant life insurance quotes from multiple carriers with our easy online tool. You can compare rates, complete your application, sign securely through DocuSign, and finalize your policy, all online, with or without a medical exam.
For specialized products that need personal guidance, call 303-792-2355 to speak with your agent if you're a current client, or ask for sales if you’re new to Trailstone.
At Trailstone Insurance Group, we believe insurance shouldn’t be complicated. Below are some of the most common questions we hear from customers. If you don’t see your question here, feel free to contact us or speak directly with an agent, we’re here to help.
Most experts recommend 10–12 times your annual income. That way your family can pay off debts, cover living expenses, and invest the payout to generate future income. Trailstone helps you calculate the right number for your stage of life.
Term life is surprisingly affordable. Many healthy people can get $500,000–$1 million in coverage for less than the cost of a daily coffee. Rates depend on your age, health, and term length.
Employer coverage is a nice perk, but it’s often only 1–2 times your salary, and it usually disappears if you leave the job. Trailstone recommends buying your own term policy to ensure your family is always covered.
Insurance shouldn't feel confusing. Our Learning Center gives you clear, helpful information so you can make confident choices about your coverage.