Will I Be Required to See a Doctor Before Getting Life Insurance?

Posted on August 29, 2025August 6, 2025 by AgentInsure

If you’re planning to get life insurance, you’ll need to follow a series of steps to secure the right policy. For many people, this process includes a visit to the doctor. However, some individuals may feel uneasy about the idea of a medical exam before obtaining life insurance.

Whether you’re short on time or nervous about the appointment, it’s important to know that you have options. The professionals at AFI Insurance, servicing Denver, CO, can assist you. We offer a variety of insurance types and can help you find the policy that best suits your needs. Here’s what you need to know.

Do You Need a Doctor’s Appointment to Qualify for Life Insurance?

Many life insurance policies require the insured to undergo a medical exam before coverage is approved. This typically involves a brief physical exam and providing a blood or urine sample—or both. The cost of this appointment is usually covered by the insurance company.

What If You Prefer Not to See a Doctor?

The medical exam helps the insurance company assess risk when issuing a life insurance policy. If you choose to skip the exam, you can still obtain life insurance, but the insurer may classify you as higher-risk. This could result in higher premiums compared to policies that require a medical exam.

How Can You Find the Best Life Insurance Policy?

The key to securing a good life insurance policy is working with a trusted insurance agency. Many people turn to AFI Insurance, servicing Denver, CO, for this reason. We offer a wide range of insurance options and are committed to helping our customers find the best coverage. Contact us today to get started.

What Happens If You don’t Carry Commercial Insurance?

Posted on August 15, 2025August 5, 2025 by AgentInsure

Running a business comes with many moving parts, and sometimes, insurance can feel like just another box to check. However, at AFI Insurance in Denver, CO, we’ve seen firsthand how not having commercial insurance can put everything you’ve built at serious risk. Whether you’re a small startup or a growing company, understanding the consequences of going without coverage is crucial.

Financial Risk Can Be Devastating

Imagine a customer slipping and falling in your store or a fire damaging your office space. Without commercial insurance, you would be responsible for all costs, legal fees, repairs, medical bills, and more. These expenses can quickly add up and, in many cases, be enough to shut a business down entirely. Insurance exists to absorb these shocks so your business doesn’t have to.

Legal Trouble Could Be Around the Corner

In many states, certain types of commercial insurance, such as workers’ compensation or auto liability, are legally required. Operating without these coverages could result in fines, penalties, or even forced closure until you comply. Not only does this disrupt your operations, but it can also damage your reputation.

Missed Opportunities and Lost Contracts

Many clients, landlords, and vendors require businesses to carry proper insurance. It’s often a prerequisite in contracts and lease agreements. Without adequate coverage, you could miss out on valuable partnerships or lose bids to competitors who are properly insured.

Don’t Leave Your Business Exposed

The risks of operating without commercial insurance simply aren’t worth it. If you’re unsure about the type of coverage your business needs, AFI Insurance in Denver, CO is here to guide you. Let’s work together to ensure your business is protected, so you can focus on what you do best.

Whom Should I Involve in My Family Financial Planning?

Posted on June 30, 2025June 6, 2025 by AgentInsure

Protecting your family’s future requires thoughtful financial planning, and it’s not something you should do in isolation. The decisions you make—whether related to insurance, savings, or long-term goals—affect more than just you. Including the right people in these conversations can help you make smarter, more grounded choices that align with your family’s needs. When you’re ready to take the next step, contact AFI Insurance, serving Denver, CO, for expert guidance and support.

Start With Your Spouse or Partner

If you share finances with a spouse or partner, they should be central to the discussion. Financial planning isn’t just about combining income and expenses—it’s about aligning goals, expectations, and responsibilities. Life insurance coverage, retirement plans, and emergency savings are most effective when both parties are on the same page.

Include Adult Children When Appropriate

As children mature, involving them in financial conversations can be both practical and empowering. Whether you’re planning for education, inheritance, or caregiving roles, it’s beneficial for adult children to understand the broader financial picture. These discussions also prepare them to manage their own finances wisely in the future.

Consult Trusted Financial Professionals

A strong financial plan often includes input from professionals. A licensed insurance agency like AFI Insurance, serving Denver, CO, can help you evaluate the types of coverage that best suit your needs, such as life insurance, disability insurance, long-term care coverage, or annuities. Additionally, financial advisors, tax preparers, and estate planning attorneys can provide valuable insights tailored to your goals.

Prioritize Communication Over Guesswork

Family financial planning is as much about communication as it is about numbers. Involving the right people early reduces confusion, prevents costly mistakes, and fosters a shared sense of direction. Planning together builds confidence, clarity, and peace of mind—one decision at a time.

How Specialty Insurance Fills Coverage Gaps in Standard Policies

Posted on June 16, 2025June 3, 2025 by AgentInsure

When it comes to insurance, most people are familiar with the basics—home, auto, life. But what happens when your unique lifestyle or assets fall outside the lines of a standard policy? At AFI Insurance in Denver, CO, we often meet clients who assume they’re fully protected, only to discover critical gaps when it matters most. That’s where specialty insurance comes in.

Uncovering Hidden Gaps in Standard Coverage

Standard insurance policies are designed to cover common risks, but they often have limitations, especially for people with unique needs or high-value items. For example, if you own a classic car, a luxury RV, or a boat that ventures beyond traditional navigational limits, your standard policy might not provide adequate protection. These gaps aren’t always obvious until you file a claim and realize you’re not covered as expected.

How Specialty Insurance Bridges the Gap

Specialty insurance is tailored to fill those gaps by offering coverage that matches your specific risks. Whether it’s protecting a high-end collector’s item, insuring a vacation home in a remote area, or covering a boat that travels across international waters, specialty policies step in where standard ones fall short. They often include expanded navigational limits, higher coverage amounts, or customized terms that align with your lifestyle.

Customized Protection for Confidence

The beauty of specialty insurance is that it’s built around your unique needs. It’s not about over-insuring—it’s about safeguarding the things you’ve worked hard for in a way that makes sense for your life.

At AFI Insurance in Denver, CO, we’re here to help you identify and close hidden gaps in your coverage. Contact us today to explore how specialty insurance can keep you confidently protected.

Does My Business Need Commercial Cyber Insurance?

Posted on May 30, 2025May 15, 2025 by AgentInsure

Commercial cyber insurance has become a necessity in today’s digital age. Almost all businesses use computers for advertising, customer interaction, and order processing. While computers simplify and enhance our business operations, they also expose us to cybercrime. Businesses also become potential cybercrime victims when interacting with suppliers, customers, and others who use computers for their operations. If you are in or near Denver, CO, and need protection against the financial impacts of cybercrime, contact our team at AFI Insurance.

Understanding Commercial Cyber Insurance

Commercial cybercrime involves the theft of business data or hindering a business from fully utilizing its computers and information. Almost every company is vulnerable to cybercrime, as few businesses operate without an internet connection or cloud-based data storage.

Businesses typically suffer three types of financial and other damages from cybercrime, and it is crucial to have cyber insurance to protect against all three.

First-party damage from cybercrime involves using resources to investigate an attack and informing customers or others about potential impacts. A cyberattack may also result in ransomware payments or revenue loss, which you need protection against.

Secondly, cyberattacks can cause third-party liabilities. These occur when an attack on your company causes others to incur losses. Cyber insurance also covers these expenses.

Lastly, firms that sell technology-based products should use cyber insurance to protect themselves against faulty programming, or product and service errors and omissions that cause others to suffer losses.

Working with AFI Insurance

AFI Insurance serves the business and personal insurance needs of many in the Denver, CO, area. Call us today at (303) 433-8888 to discuss your commercial or other insurance needs.

Are All Heirs Entitled To Life Insurance Benefits?

Posted on May 16, 2025May 15, 2025 by AgentInsure

When a person passes away, their estate typically goes to their heirs. This estate can include a variety of assets, such as property, vehicles, money, or stocks. A common misconception is that heirs are also entitled to a death benefit from a life insurance policy.

Understanding Heirs

Heirs are generally the closest living relatives of a deceased person. These can include:

Relatives by Blood: Children, grandchildren, nieces, nephews, siblings, cousins, uncles, aunts.
Adopted Children: Adopted children are legally recognized as heirs and have the same rights as biological children.
Surviving Spouse: A surviving spouse is usually considered the closest heir.

Heirs are not chosen by the deceased. Instead, state law determines who is considered an heir and who is entitled to inherit from the estate. However, a will is always taken into account when distributing the estate after a person’s death.

Priority of Inheritance

If there is no will, inheritance is determined based on the order of priority. State law determines who gets priority and the largest portion of the estate. The order of priority in Denver, CO, is:

Surviving spouse
Children, including adoptive children
Parents
Siblings
Grandparents
Descendants of grandparents, such as nieces, nephews, aunts, etc.

This order of priority does not apply to a death benefit from life insurance. Life insurance from companies like AFI Insurance follows its own set of rules.

Heirs and Life Insurance

Life insurance in Denver, CO, is considered separate from the estate. A person chooses beneficiaries for their life insurance policy, and can change most beneficiaries before they pass away. They can choose anyone they want, including people who aren’t related to them, like a close friend. Some choose to have the death benefit donated to a charity or put in a trust.

Life insurance usually doesn’t involve the probate or estate process, and benefits are paid directly to the heirs. If no heirs are named, beneficiaries may be entitled to the death benefit. Agents at AFI Insurance can answer any questions you have about your policy. Contact us today for more information.

Specialty Insurance for Business Owners: What are the Options?

Posted on March 28, 2025March 12, 2025 by AgentInsure

Denver, CO business owners who run an unusual and/or high-risk business will likely find that a regular insurance policy doesn’t provide enough coverage. Thankfully, there are many specialty insurance coverage options to ensure you’re fully covered should an unfortunate incident occur.

Errors and Omissions Insurance

An E&O policy covers incidents in which customers suffer harm or a financial setback due to mistakes made by one or more of your employees. Errors and Omissions insurance typically covers legal costs and the cost of paying a settlement or judgment against your company.

Directors and Officers Liability Insurance

This specialized form of coverage is for business owners and managers who are concerned they may be held legally liable for corporate decisions they make (or fail to make). For instance, gun dealers and gun shop owners may want to consider this policy option seriously.

Cyber Insurance

Cybercrime is becoming increasingly commonplace, affecting businesses of all sizes and in all industries. Cyber insurance can help you cover the cost of paying a ransom, repairing or replacing IT hardware/software, and legal costs that may arise if personal information is breached and affected parties take you to court. This type of coverage is highly recommended if your company stores a lot of personal information on a computer.

Emergency Rescue Coverage

This type of coverage is ideal for companies offering outdoor adventure opportunities in remote areas, as it can cover the cost of a rescue should customers need immediate emergency assistance.

Contact AFI Insurance for More Information

AFI Insurance offers a range of specialized insurance policies to business owners in and around Denver, CO. Call us to find out more about your options, review specific insurance policies, or get price quotes.

Can Financial Planning Insurance Protect Me From a Volatile Stock Market?

Posted on March 14, 2025March 12, 2025 by AgentInsure

Invest in the stock market, mutual funds, or similar financial instruments in Denver, CO. Those investments can be subject to significant swings in worth, especially during times of volatility. Many ask how to protect themselves from substantial market downturns during a recession or worse. Financial planning insurance recommended by AFI Insurance may be the answer.

Financial Planning Insurance and Market Volatility

Insurance is vital to financial planning but does not protect investments from downturns. The best way to protect investments from volatility is to diversify your portfolio. Instead of putting all your assets into stocks, your financial planner should recommend a balanced portfolio that includes stocks, bonds, annuities, and other investment types that respond differently to market fluctuations.

The Role of Financial Planning Insurance

Various policies include life insurance, disability insurance, and long-term care insurance. These policies provide you with a safety net when you need them. If your other investments falter and lose worth, your insurance products can compensate for those losses. Life insurance, in particular, can provide considerable worthwhile also mitigating risks.

Financial Planning and Insurance: A Dynamic Duo

Just as financial planning isn’t a one-and-done deal, so is buying financial planning insurance. Your financial planning goals should change throughout your life, so your investments and insurance products may change. You may need to add or change the type of insurance policies you own. When you change your financial goals, make sure you review your overall investments, including all pertinent insurance policies.

AFI Insurance, serving residents of Denver, CO, can help you understand how various insurance policies make a sound investment and play into your financial plans. Contact our office today to schedule your consultation.

How to Support Your Growing Team of Employees

Posted on February 28, 2025February 11, 2025 by AgentInsure

Any business that scales is going to encounter growing pains. How you respond to those challenges as you expand your operations will determine your future as well as how those within and outside of your organization perceive and respond to you. For example, if you’re looking to expand your team of employees, how exactly are you supposed to support this gradually increasing team? What do they need to be satisfied and productive? Here are some helpful tips on how to support your growing team of employees, and how we here at AFI Insurance in Denver, CO can help you support these individuals with the aid of the right commercial insurance policy.

Ways You Can Support Your Growing Team

Take the time to give them the training and educational resources they need to thrive in their current position. A lack of training and support causes confusion and may encourage them to leave your company for one that takes the time to help them advance.
Give them the ability to express their wants and needs. Listening to your employees’ ideas and collaborating with them is a great way to bolster your organization and help them feel valued.
Invest in the right business insurance to protect your employees. Commercial insurance like workers’ compensation insurance will provide them with aid in their time of need and protect your growing business.

Protect Your Employees and Your Business With Commercial Insurance

Keeping your employees and your business safe is your top priority. Make it happen with the support of us here at AFI Insurance in Denver, CO. We will help you find the right commercial insurance policy that will meet your unique organizational needs, no matter what they may be. Compare quotes with us today or reach out to us if you have any questions that we can help you with!

What are the Benefits of Getting Life Insurance While I’m Young?

Posted on February 14, 2025February 11, 2025 by AgentInsure

Choosing Life Insurance While Young

Transitioning from childhood to adulthood comes with a lot of responsibilities. One of these is to take steps to secure your future and that of your loved ones. If you want a better understanding of life insurance and what it can mean for your future, contact our Denver, CO agents at AFI Insurance for dedicated help and answers.

Life Insurance Benefits

Life can present many situations, and not all of them are good, no matter what a person’s age. For example, someone in their 20s who is just embarking on their career or other journey may not consider "things could happen" in the future that can negatively impact their life. The thought of purchasing life insurance is the furthest thing from their minds.

People buy insurance because of the risks encountered every day. One of the benefits of buying life insurance is to have the assurance that should something happen there is the opportunity to file a claim. This is especially important if you have dependents.

Younger applicants tend to receive cheaper premiums. The older you become, you are more at risk, whether due to ageing or health issues. For this reason, premiums will become more expensive, making it another reason why it is recommended to purchase life insurance while you are young and in good health.

Contact Us

Whether you are single, anticipate having a family, or already have a family, purchasing a life insurance policy is a positive move. Our Denver, CO agents at AFI Insurance will explain the different types of life insurance and the available benefits. Depending on coverage type, you may have access to a living benefit rider, which allows the insured to use a portion of their benefits if needed. Call us and let us get you insured, sooner than later.

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