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Located in Colorado
Tailored
Solutions
for Every Need
Delivering Expertise and Personalized Care in Every Offering
For Individuals
Life Insurance
Personalized coverage tailored to your evolving needs, offering peace of mind for you and your loved ones.
Health Insurance
Certified Connect for Health Colorado Enrollment Center providing diverse health products and tailored coverage options.
Retirement Planning
Expert guidance and strategies for a secure and worry-free retirement, including annuities and long-term care coverage.
Property & Casualty Insurance
Comprehensive plans to protect your home, vehicles, and possessions.
Notary Services
Efficient and reliable authentication for all your important paperwork, ensuring peace of mind and convenience.
Estate Planning
In-house services to navigate estate planning with clarity and confidence at an affordable cost.
For Businesses
Health Insurance
Specialized business health insurance plans including ICHRAs, offering cost savings for both employers and employees.
Commercial Insurance
Tailored insurance solutions to protect business assets, covering general and professional liability, workers’ compensation, and more.
HR Management Solutions
Complete services to streamline and enhance human resource operations, addressing potential risks and compliance requirements.
Payroll Processing
Streamlined processes for precise and punctual employee payments, ensuring accuracy and efficiency.
Life Insurance
Prepare for tomorrow with Majeske's Life Insurance and Retirement Plan Strategies. Whether your goal is to protect your loved ones, maximize tax benefits, or plan for long-term care, we are here to lead you towards a secure and fulfilling retirement through our life insurance solutions.
Term
10-30 Year Coverage
With a focus on flexibility and immediate coverage, you can have peace of mind knowing your most pressing financial needs are addressed efficiently. Dive into the realm of security with Majeske Insurance’s Instant Term option.
Whole Life
Permanent Coverage
Whole Life Insurance is a lifelong commitment to your financial well-being. Unlike term insurance, it’s designed to provide enduring coverage while building cash value over time. Whether you aim to secure your estate, receive tax benefits, or ensure your loved ones aren’t burdened with final expenses, Whole Life stands as a robust choice. Plus, with potential dividend payments and a guaranteed cash value, it’s an investment in both your present and future. Entrust your long-term financial security to Majeske Insurance’s Whole Life offerings.
Universal Life
Long Term Coverage
Universal Life Insurance offers the perfect blend of protection and savings. It’s designed to give you the flexibility to adjust premiums and coverage amounts as your needs change. With the added benefit of cash value accumulation, it serves as an excellent tool for college planning or building a financial legacy for your loved ones. Plus, its tax advantages ensure that your savings grow more efficiently. With Majeske Insurance’s Universal Life, you’re not just buying insurance – you’re crafting a dynamic financial strategy for the future.
What happens if I miss a payment?
Ensuring timely premium payments is crucial to maintain your insurance coverage. It is
important to make sure your payment information is kept up to date. If a premium payment is
missed, it can result in the termination of your policy.
Can I have multiple life insurance policies?
Yes, it is possible to have multiple life insurance policies to meet different needs or provide
additional coverage.
Can I name multiple beneficiaries for my life insurance policy?
Yes, you can name multiple beneficiaries and allocate the benefit amount as desired.
Can I borrow or withdraw money from my permanent life insurance policy?
Yes, permanent life insurance policies with a cash value component may allow policy loans or
withdrawals.
What is the free look period for life insurance in Colorado?
Colorado doesn’t have an established free look period for life insurance1. However, it’s common for insurance companies to provide a window of seven to 30 days for policyholders to review the policy and receive a full refund if they choose to cancel
What are living benefits in a life insurance policy?
Living benefits in a life insurance policy allow policyholders to access a portion of their death benefit while still alive in case of a qualifying event, such as terminal illness or chronic illness. This can provide financial support during times of need.
How much life insurance coverage do I need?
The amount of life insurance coverage you need depends on various factors, including your income, debts, expenses, and financial goals. A Majeske Insurance agent can help you assess your needs and recommend an appropriate coverage amount.
Health Insurance
Secure your health with Majeske Insurance. From individuals to businesses, our tailored health plans prioritize your well-being. Explore comprehensive & best health insurance for individuals, affordable options designed for you.
Individual and Family 
Connect for Health Colorado is the official health insurance marketplace. It is the only place where Coloradans who don’t qualify for Health First Colorado (Colorado’s Medicaid program) and don’t get health insurance from their job can apply for financial help and sign up for a private health insurance plan.
Access to Financial Help
Connect for Health Colorado is the exclusive platform for individuals and families to seek financial assistance in reducing health insurance expenses. Whether it’s the initial application or a renewal, they can verify eligibility for cost-sharing or tax benefits
Wide Range of Participating Insurance Companies
The marketplace offers diverse plans from various insurers, letting individuals and families select the best-fitting option for their needs, including coverage, premiums, and deductibles.
Essential Health Benefits:
Cover essential health benefits, such as preventive care, hospital visits, prescription drugs, mental health services, and maternity care.
OmniSalud
The OmniSalud program provides a secure and inclusive option for undocumented Coloradans to obtain health insurance.
One of the key advantages of OmniSalud is that neither your immigration status nor the information you provide during the application process will be used for immigration enforcement purposes.
OmniSalud is specifically designed for individuals without documentation, including DACA recipients, who are not eligible for federal subsidies for health insurance but still need coverage that complies with the Affordable Care Act (ACA).
Qualified applicants can benefit from financial assistance known as SilverEnhanced Savings, making their insurance more affordable.
As part of OmniSalud, eligible individuals can enjoy health insurance premiums as low as $0 per month.
Additionally, the carefully curated SilverEnhanced Savings Colorado Option plans significantly reduce out-of-pocket expenses for a limited number of applicants during the 2025 enrollment year.
If you didn’t qualify for financial assistance based on income or missed the enrollment deadline, you still have the opportunity to enroll in OmniSalud. In this case, you will be responsible for paying the full premium amount but will still gain access to the comprehensive health insurance coverage offered through the program.
Employer based health coverage
ICHRAs
Group Plans
Employer-sponsored health insurance, often bundled with other benefits, may have the premiums partially or fully covered by the employer. This can be in the form of large-group insurance (100 or more employees) or small-group insurance (99 or fewer employees). Generally, employees select from the insurance plans preselected by the employer.
Other Health Products
Disability
Is designed to provide income replacement in the event that you are unable to work due to a disability or illness.
Critical Illness
This provides a lump sum payment if you are diagnosed with a covered critical illness. It can be used to cover medical expenses, replace lost income, and provide financial support during your recovery. It fills gaps in traditional health insurance coverage
Accident
Provides financial protection in the event of an accidental injury. It offers a lump sum payment to help cover medical expenses, hospitalization costs, and other expenses related to the accident.
Cancer, Heart, Stroke
Provide financial protection in the event of a diagnosis of cancer, heart attack, or stroke. It provides a lump sum payment upon diagnosis, which can be used to cover a range of expenses including medical treatments, transportation costs, and other financial obligations.
Dental and Vision
Covers the costs of routine dental care and procedures, such as cleanings, fillings, and crowns. As well as, eye exams, prescription lenses, and frames.
Individual and Family
Connect for Health Colorado is the official health insurance marketplace. It is the only place where Coloradans who don’t qualify for Health First Colorado (Colorado’s Medicaid program) and don’t get health insurance from their job can apply for financial help and sign up for a private health insurance plan.
Access to Financial Help
Connect for Health Colorado is the exclusive platform for individuals and families to seek financial assistance in reducing health insurance expenses. Whether it’s the initial application or a renewal, they can verify eligibility for cost-sharing or tax benefits
Wide Range of Participating Insurance Companies
The marketplace offers diverse plans from various insurers, letting individuals and families select the best-fitting option for their needs, including coverage, premiums, and deductibles.
Essential Health Benefits:
Cover essential health benefits, such as preventive care, hospital visits, prescription drugs, mental health services, and maternity care.
OmniSalud
The OmniSalud program provides a secure and inclusive option for undocumented Coloradans to obtain health insurance.
One of the key advantages of OmniSalud is that neither your immigration status nor the information you provide during the application process will be used for immigration enforcement purposes.
OmniSalud is specifically designed for individuals without documentation, including DACA recipients, who are not eligible for federal subsidies for health insurance but still need coverage that complies with the Affordable Care Act (ACA).
Qualified applicants can benefit from financial assistance known as SilverEnhanced Savings, making their insurance more affordable.
As part of OmniSalud, eligible individuals can enjoy health insurance premiums as low as $0 per month.
Additionally, the carefully curated SilverEnhanced Savings Colorado Option plans significantly reduce out-of-pocket expenses for a limited number of applicants during the 2025 enrollment year.
If you didn’t qualify for financial assistance based on income or missed the enrollment deadline, you still have the opportunity to enroll in OmniSalud. In this case, you will be responsible for paying the full premium amount but will still gain access to the comprehensive health insurance coverage offered through the program.
Employer based health coverage
ICHRAs
Group Plans
Employer-sponsored health insurance, often bundled with other benefits, may have the premiums partially or fully covered by the employer. This can be in the form of large-group insurance (100 or more employees) or small-group insurance (99 or fewer employees). Generally, employees select from the insurance plans preselected by the employer.
Other Health Products
Disability
Is designed to provide income replacement in the event that you are unable to work due to a disability or illness.
Critical Illness
This provides a lump sum payment if you are diagnosed with a covered critical illness. It can be used to cover medical expenses, replace lost income, and provide financial support during your recovery. It fills gaps in traditional health insurance coverage
Accident
Provides financial protection in the event of an accidental injury. It offers a lump sum payment to help cover medical expenses, hospitalization costs, and other expenses related to the accident.
Cancer, Heart, Stroke
Provide financial protection in the event of a diagnosis of cancer, heart attack, or stroke. It provides a lump sum payment upon diagnosis, which can be used to cover a range of expenses including medical treatments, transportation costs, and other financial obligations.
Dental and Vision
Covers the costs of routine dental care and procedures, such as cleanings, fillings, and crowns. As well as, eye exams, prescription lenses, and frames.
How can I apply for coverage and financial help through the Colorado Marketplace?
Working with Majeske Insurance, we can assist you in determining your eligibility for tax credits and cost-sharing plans to help reduce your monthly premiums.
What is the difference between bronze, gold, and silver plans?
Bronze, gold, and silver plans refer to different levels of coverage and out-of-pocket costs. Bronze plans typically have lower premiums but higher out-of-pocket costs, while gold plans have higher premiums but lower out-of-pocket costs. Silver plans offer a balance between premiums and out-of-pocket costs.
What is a special open enrollment period?
A special open enrollment period is a period outside of the regular open enrollment window during which individuals may enroll in or make changes to their health insurance coverage due to specific life events, such as marriage, birth of a child, or loss of other coverage.
What is a premium tax credit?
A premium tax credit is a subsidy provided by the government to help eligible individuals and families cover the cost of health insurance premiums. The amount of the credit is based on income and family size, and it can be used to lower monthly premium costs.
Retirement Strategies
Plan for tomorrow with Majeske's Retirement Strategies Planner. Whether it's safeguarding loved ones, optimizing tax benefits, or preparing for long-term care, we guide you to a secure, fulfilling retirement.
Retirement
Estate Planning
Life insurance safeguards your loved ones, ensuring their financial security in the event of your passing. It grants you peace of mind while offering your family a stable financial foundation. This encompasses final expense insurance, which eases the burden of substantial funeral expenses, enabling your family to concentrate on commemorating your memory without financial strain.
Tax Free Strategies
Annuities – offer guaranteed income for life, reducing the stress of outliving your savings and providing financial stability in retirement
Long Term Care
Protects against the high costs of long-term care services, such as assisted living or home health care, which can deplete retirement savings quickly.
Revisions
Policy Review
We excel in collaborating with clients to assess their existing coverage, ensuring it aligns with their evolving needs. These needs may vary across different life stages, such as securing insurance for a new baby, planning for college, protecting a mortgage, replacing income, managing business risks, settling divorce matters, addressing funeral or final expenses, and planning for the estate.
Personal Insurance
From safeguarding your home and car to protecting your company's assets, we are dedicated to helping our clients find the coverage that fits their unique needs
Business Insurance
Our individual and group health insurance plans are designed to provide you and your family with access to quality healthcare when you need it most.
Travel Insurance
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Pet Insurance
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Estate Planning
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