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for Every Need
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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.
Use For
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.
Use For
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.
Use For
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 
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 2024 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
How they work:
Business owners determine a set budget to reimburse their employees for health insurance (tax advantage). Employees then buy the plan that works best for them.
Why Businesses Should Choose ICHRAs Over Group Plans
- High Renewal Rates:
ICHRAs offer businesses the advantage of high renewal rates. - Low Participation Demand:
businesses can eliminate the burden of meeting minimum employee participation. - Enhanced Employee Satisfaction:
Instead of offering a one-size-fits-all group plan, employers can allow employees to choose a plan that best meets their individual needs and preferences. - Multi-State Footprint:
Eliminate the complexities of managing different group plans in various locations and consolidate them under one efficient system. - Cost Shifting and Saving:
ICHRAs control costs by setting a defined contribution amount, eliminating the risk of cost growth. By offering ICHRAs, businesses can better predict and manage
their healthcare expenditure. Additionally, employees may benefit from lower premium costs for individual health insurance plans compared to traditional group
plan premiums. - Facilitates Growth and Acquisition:
ICHRAs are flexible and scalable; onboard new employees and integrate benefits across organizations seamlessly.
Compliance with ACA. - Regulations:
ICHRAs provide a compliant solution for businesses that want to offer health insurance benefits while adhering to the Affordable Care Act (ACA) regulations.
Group Plans
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 
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 2024 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
How they work:
Business owners determine a set budget to reimburse their employees for health insurance (tax advantage). Employees then buy the plan that works best for them.
Why Businesses Should Choose ICHRAs Over Group Plans
- High Renewal Rates:
ICHRAs offer businesses the advantage of high renewal rates. - Low Participation Demand:
businesses can eliminate the burden of meeting minimum employee participation. - Enhanced Employee Satisfaction:
Instead of offering a one-size-fits-all group plan, employers can allow employees to choose a plan that best meets their individual needs and preferences. - Multi-State Footprint:
Eliminate the complexities of managing different group plans in various locations and consolidate them under one efficient system. - Cost Shifting and Saving:
ICHRAs control costs by setting a defined contribution amount, eliminating the risk of cost growth. By offering ICHRAs, businesses can better predict and manage
their healthcare expenditure. Additionally, employees may benefit from lower premium costs for individual health insurance plans compared to traditional group
plan premiums. - Facilitates Growth and Acquisition:
ICHRAs are flexible and scalable; onboard new employees and integrate benefits across organizations seamlessly.
Compliance with ACA. - Regulations:
ICHRAs provide a compliant solution for businesses that want to offer health insurance benefits while adhering to the Affordable Care Act (ACA) regulations.
Group Plans
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.
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.
