Mountain Plains Agency, Inc.

Life Insurance


As a locally owned and operated insurance company since 2005, Mountain Plains Agency, Inc. is proud to serve individuals, families, farmers, and businesses with quality insurance solutions in Northern Colorado and select regions across Nebraska, Wyoming, Kansas, and more. We understand that a life insurance policy is an important investment and safety net for you and your loved ones, so we build one-on-one relationships with clients to ensure that we set up the right policy for you.

Types Of Life Insurance Policies

Choosing a life insurance policy that works best for you, your family, and your loved ones can be tricky. In general, life insurance policies can fall into two main buckets: term life insurance plans or permanent life insurance plans. Term life insurance plans are often the most common and affordable, while permanent life insurance plans (either a whole life or universal plan) are often more expensive and complex because of their flexibility and cash value.

Answering these questions will help you and your family figure out what types of life insurance policies you should get:

  • What kind of life insurance policy does my work offer and is it enough?
  • When should you get a policy and how long do you need it?
  • What is your monthly budget for a health insurance policy?
  • What sort of things do you think you need to cover?
  • Do you have a 401K or do you want to invest with your insurance policy?

Why Get Life Insurance

A life insurance policy can act as a safety net for you and your loved ones, as well as an investment vehicle. Life insurance plans can ensure that your children get a good education without worrying about the heavy burden of debt, or it can cover any outstanding debt or funeral costs that your family may have to pay for upon your death. Getting a life insurance plan early and setting a term can save a lot of money, so it’s a good idea to start thinking about a plan now.

There are all sorts of reasons that people get life insurance policies, but here are a few:

  • Funeral and burial costs
  • Lost income
  • Children’s college tuition
  • Mortgage payments
  • Manage estate wealth and payouts

What Does Life Insurance Cover?

Life insurance plans can cover a variety of different expenses and needs that your family and loved ones might have. Some common items might be co-signed debts incurred by credit cards, mortgages, or student or other types of loans, as well as future support packages for dependents, spouses, and other beneficiaries. Here are a few common things people want to get covered when investing in life insurance.


Life insurance plans can provide a variety of ways to support your family’s and loved ones’ future. From setting up trust and college tuition to paying for everyday expenses and bills due to a loss of income, life insurance policies can offer your beneficiaries a safe and solid foundation on which to build a future.


Life insurance plans can be used to protect your home through paying off outstanding mortgages and other debts, such as those incurred from business or car loans. The last thing you want to leave as a legacy is debt, so setting up a life insurance plan is a crucial first step to supporting the success of your loved ones.


Funerals and burials are expensive, and they are a major reason individuals and families start thinking about life insurance policies. There are other expenses too, such as one-time moving expenses for family members and anything that might go into wrapping up financials once an individual has passed away.


As mentioned above, life insurance plans can be tricky, and that’s mostly because we don’t know what the future holds. As a long-time life insurance company, we are proud to serve the Front Range in Colorado, as well as Wyoming, Nebraska, North Dakota, South Dakota, Texas, Kansas, and other states in the region. When it comes to choosing a life insurance plan that can keep your family safe and secure in the future, Mountain Plains Agency is your most-trusted insurance company — providing a wide range of farm and ranch, business, and home and auto insurance products — that can help you figure out what plan is best. Contact our life insurance experts today, or fill out the form below to get a quote.

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