Rocky Mountain Financial Group in Englewood, CO with Reviews -
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By: Philip S.
U.S. Health Advisors
insurance salesman saying he is with "us health group" keeps calling to sell us "health insurance" and mumbling unintelligible comments about "obamacare" & saying that our insurance provider -- again, he mumbles the name -- is "pulling out of Colorado" for 2016-- which they are not. This is a tactic now used by lots of scammers for the purpose of tricking people- VICTIMS - into believing the scammer is real.. they are salespeople with skills to deceive. This guy is actually on LinkedIn as a US Health Advisors salesman.
By: christinez
John Mihlbachler & Associates
We trusted John with our investments for business and retirement-BIG MISTAKE. In the past 5+ years we made nothing--wanted to move some money out of our investments back into the business for tax husband asked him about how much it would cost. He guessed about 2K. John then talked to our CFO (had no right to even talk to her!) and told her it would be about 11K-- She said no it's too much. Instead of ASKING US IF IT WAS OK he liquidated the account costing us $11,000!!!!! His response? "Uh....yeah I probably should have asked you" apology --no offering to REFUND HIS COMMISSION, no asking how he could make it up to us or ANYTHING. Said he couldn't personally afford to reimburse us anything. John Mihlbachler has absolutely no conscience. Do NOT trust him with your money because he doesn't care about yours, only his own. He is fully aware that he is protected by Prudential's deep pockets and knows no one will bother to sue him. SHAME ON YOU JOHN MIHLBACHLER!
Tips & Advices
There are many different providers and plan types, so  shopping for life insurance can be complicated. The first step involves understanding the type and amount of life insurance you need. From there, use online tools or contact local insurance agents to get quotes on rates and learn about how to apply.
The cost of a life insurance policy is determined by two things: the guaranteed benefit amount and the individual risk of the policyholder. The latter is more complicated, and includes many  factors, including health, age, and  occupation. As of May 2017, a 30-year-old woman purchasing a 20-year, $250,000 term life policy can expect to pay about $141 per year. For comparison, a 60-year-old woman purchasing the same policy can expect to pay $1,033 per year. Since women have longer life expectancy on average than men, the latter can expect to pay slightly more. The same 20-year, $250,000 term policy will cost a 30-year-old man $156 per year on average.
Certain specialized policies may provide income replacement in the event of disability, disease, or another situation where it may be impossible to work and medical expenses are high. One common alternative is known as an “accidental death and dismemberment” policy. AD&D policies work similarly to term life plans, but will only pay out death benefits when a fatality is caused by an accident, or if the policyholder loses a limb or the ability to see or hear. Death from a heart attack or cancer, for example, is usually not covered by AD&D, but these policies might offer lower premiums than a standard term plan.
Many adults with children choose to buy a term life plan that covers them from the birth of a child until they turn 18, which is often the most cost-effective way to insure against the risk of income loss from unexpected death. While it  is possible to save enough cash or invest to provide even more funds in case of such an emergency, investing is subject to more risk of loss than a life insurance plan, and accumulating enough savings to provide a sizeable safety net can be difficult.
Whole life and universal life plans are each considered a type of “permanent life insurance.” Universal life is often similar in concept to whole life, but offers more flexibility in premium payments and cash withdrawals. For example, you might be able to temporarily pause or reduce premium payments at any time under a universal policy. It’s also often possible to borrow from what you’ve already paid into the plan or against a guaranteed death benefit in the form of a loan.

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