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Enrollment Periods for 2026Medicare 65+ 10/15-12/7 - Connect for Health

Logo of Kelmeg & Associates, Inc. with a blue shield and blue lettering
Advisor explaining life insurance to a couple in their home office

Life insurance

Life Insurance Plans to Protect Your Family's Future

Choose coverage that fits your goals, not confusing sales pitches. We help Colorado individuals and families compare term, whole, universal, and final expense options with clear tradeoffs.
  • Local Colorado team (Broomfield-based; statewide support)
  • Needs-based recommendations, not one-size-fits-all
  • Plain-English comparisons of term vs permanent coverage
  • Support through application, underwriting, and beneficiary setup

Start here

Choose what matches your goal

Best for

Income protection while the kids are home

Time-bound protection needs (10 to 30 years).

Best for

Lifetime coverage + long-term planning

People who want permanent protection and may want cash value features.

Best for

Final expenses (funeral/burial) planning

Smaller coverage amounts designed for end-of-life costs.

Best for

Business owner planning

Key-person protection or business continuity planning (availability varies).

What is life insurance?

Life insurance provides a death benefit to your beneficiaries if you pass away while the policy is in force. Many families use it to replace income, pay off debts, and protect long-term goals.

Common reasons people buy life insurance

  • Replace income for dependents
  • Pay off a mortgage or other debts
  • Fund education goals
  • Cover final expenses
  • Protect a spouse or partner from financial disruption

Eligibility, premiums, coverage amounts, and policy features vary by carrier and underwriting.

Types of life insurance (term vs permanent)

Term life insurance

Coverage for a set period, often 10, 20, or 30 years. Often the most affordable way to get higher coverage amounts and ideal for time-bound responsibilities like kids at home and mortgage years. Common features vary by policy: level term, renewal options, and conversion options to permanent coverage.
Compare term life options

Whole life insurance (permanent)

Permanent coverage designed to last for life as long as premiums are paid. Whole life can include cash value that grows over time, with a predictable premium schedule. Cash value growth, loans, and withdrawals can affect the policy and death benefit. We'll explain tradeoffs clearly.
Compare whole life options

Universal life insurance

Permanent life insurance that may allow flexible premium patterns as long as enough is paid to keep the policy in force. Policies may have cash value features and offer more planning flexibility (policy rules apply).
Explore universal life options

Final expense (burial) life insurance

A smaller permanent policy designed to help cover funeral and end-of-life expenses, usually with smaller coverage amounts and often simpler underwriting (varies).
Explore final expense options

How we help you choose the right policy

What we do

  • Clarify your goals (income protection, debt payoff, final expenses)
  • Recommend a coverage range that fits your budget
  • Compare carriers and policy structures with clear tradeoffs
  • Help you understand underwriting steps and timelines
  • Assist with beneficiary setup and policy delivery

What we don't do

  • Pressure tactics
  • One-size-fits-all recommendations
  • Promises about approval, pricing, or investment outcomes

What to expect (process + underwriting)

  1. 1

    Quick consult

    We confirm goals, budget range, and your preferred coverage type.
  2. 2

    Application + underwriting

    Carriers evaluate eligibility. This may include health questions, records, and sometimes a medical exam, depending on the policy.
  3. 3

    Approval + policy setup

    We review final options and help confirm beneficiaries and delivery details.
  4. 4

    Ongoing support

    We help with policy questions, updates, and future coverage reviews.

What to have ready for your consult

  • Your age and zip code
  • Who you want to protect (spouse, partner, children, others)
  • Income and major responsibilities (mortgage, debts)
  • Coverage goal (income replacement, debt payoff, final expenses)
  • Existing policies, if any
  • General health history (high level)

Life insurance for employers (group benefits)

Many employers add group life insurance and voluntary life options as part of a benefits package.

Piggy bank, calculator, glasses, pen, and paperwork on a wooden desk

GoogleReviews

What our clients say

Real experiences shared by our clients on Google.

5.0★★★★★

145+ Google reviews

Based on the reviews shared with us

Kami W

6 days ago

G
★★★★★
Kelsey was knowledgeable and was able to help me with a somewhat unique situation. Thanks for the customer care!

Angela Brandenstein

1 week ago

G
★★★★★
Kelsey was very helpful and informative regarding options for our upcoming open enrollment and healthcare insurance needs.

Scott Johnson

8 weeks ago

G
★★★★★
Every year it is a pleasure working with you. THANKS again for tackling all our insurance needs. I highly recommend your services.

Sandra

8 weeks ago

G
★★★★★
Kelsey was so helpful in this Medicare transition, easiest health insurance transition I've experienced.

Tracy Kirby

8 weeks ago

G
★★★★★
Chip and his team always go above and beyond to help you get the right plan for you and your family!

Christopher Becker

19 weeks ago

G
★★★★★
Great conversation with Heidi. Will be using her for all of our small business health care insurance needs as well as personal going forward.
Read 100 of our 145+ Google reviews

Julie Barrett

19 weeks ago

G
★★★★★
Kelsey Murphy-Mackley makes the process of getting health insurance via Connect For Health Colorado online a breeze. (excerpt)

David Mays

22 weeks ago

G
★★★★★
Kelsey is fantastic. Highly knowledgeable, very informative and to say she’s helpful is a dramatic understatement. I’ve used her for years, and will continue to do so. Thank you Kelsey!

Juliette Cross

24 weeks ago

G
★★★★★
Kelsey is always available, and on top of things. She alerts us to yearly changes in our policies and gives good, sound advice.

Aaron Pasterz

29 weeks ago

G
★★★★★
Five-star rating

Linda Deslauriers

29 weeks ago

G
★★★★★
Heidi Silwamba is an absolute rockstar! I called almost in tears and her clear, simple direction and customer service... (excerpt)

Stephanie Harrison

34 weeks ago

G
★★★★★
I called Heidi Silwamba after losing my healthcare coverage. She was a lifesaver and was able to set us up with... (excerpt)

Chris Petrizzo

40 weeks ago

G
★★★★★
I reached out to Kelmeg, through Connect for Health Colorado. Chip was incredibly knowledgeable and helpful, and made me feel like I made the best decision for my situation.

MJ Hoffman

40 weeks ago

G
★★★★★
I have been working with Kelsey and Chip for the past 8 years and they are very helpful.

Patti Payne

40 weeks ago

G
★★★★★
Heidi really went the extra mile to make sure we were taken care of. I am so grateful to her for her knowledge and... (excerpt)

Jeri Salazar

41 weeks ago

G
★★★★★
Call Heidi, she was incredible to work with, knows the business inside and out. I couldn’t have asked for a better... (excerpt)

Alicia Moreno

41 weeks ago

G
★★★★★
Five-star rating

Mike Willey

41 weeks ago

G
★★★★★
Heidi at Kelmeg and Associates was extremely helpful in helping us to assess and purchase our individual health... (excerpt)

Mark Iwashko

41 weeks ago

G
★★★★★
Kelsey was great! Clear explanations and answers; fast and efficient. The process was easy!

A N

42 weeks ago

G
★★★★★
Helpful and accommodating

Accounting Inbox

42 weeks ago

G
★★★★★
We've been working with Chip and Kelsey for over two decades, and have referred numerous family and friends to them. They are unfailingly responsive, friendly, and reliable! Highly recommend.

Santosh Krishnan

42 weeks ago

G
★★★★★
Kelsey helped me with my daughter's health insurance application efficiently and promptly.

Lisa Buckner

42 weeks ago

G
★★★★★
Five-star rating

Arturo J. Bencosme

42 weeks ago

G
★★★★★
Every meeting with Kelsey brings clear and useful guidance for navigating insurance & Medicare. Thanks!

Roxane Chacon

42 weeks ago

G
★★★★★
Heidi was amazing talking me through the different plans there were and helping to navigate the marketplace in order to obtain my health insurance. This is my second year working with Heidi.

Sarah Call

42 weeks ago

G
★★★★★
Heidi is such a great insurance person! She knows so much and is happy to help anybody!

Wayne Winsett

42 weeks ago

G
★★★★★
Kelmeg and Associates gets my highest recommendation. Excellent people to work with.

Yvonne Larson

42 weeks ago

G
★★★★★
Kelmeg & Assoc. are fantastic! After terrible experiences with the Colorado Health Exchange, I found Kelmeg. They are... (excerpt)

Dennis Howard

44 weeks ago

G
★★★★★
Five-star rating

Carolyn Larson

44 weeks ago

G
★★★★★
Kelsey takes care of all of the research and makes it extremely easy to make the best decision about the Medicare plan to choose.

Kelly “247abk” Mohrlang

45 weeks ago

G
★★★★★
Very knowledgeable and understanding! She bent over backwards to reschedule when I was having technical difficulties and still made it happen quickly! Very impressed. I will remember her for next year.

Carol Utemark

45 weeks ago

G
★★★★★
Five-star rating

Jennifer Dulles

45 weeks ago

G
★★★★★
Very helpful, especially as so much is changing with healthcare!

G S

45 weeks ago

G
★★★★★
Kelsey was great. Walked me through the process, answered my questions and made the process fast and painless.

Kelly Horace

45 weeks ago

G
★★★★★
Five-star rating

Julie Decoria

46 weeks ago

G
★★★★★
Kelsey was friendly, listened to my concerns and found the best program for my needs. We went over several options... (excerpt)

Keystone Reservations

46 weeks ago

G
★★★★★
We have been working with Kelsey for years and she has always provided excellent and timely service.

Keith Ray

46 weeks ago

G
★★★★★
Working with Heidi Silwamba is a pleasure to work with, very knowledgeable about the medical insurance system. She also cares about her clients and will get the best package available.

Lisa Barrocas

46 weeks ago

G
★★★★★
Heidi is the best! She is very knowledgeable, thorough and compassionate:)

Dave Buckland

46 weeks ago

G
★★★★★
Kelsey was invaluable and helped me find coverage that works and will save me hundreds each month. Thank you!

Darci Hughes

46 weeks ago

G
★★★★★
Heidi at Kelmeg and Associates was a great help in navigating the nuances of health insurance and finding an affordable solution. Would definitely recommend her!

Gia Lemley

47 weeks ago

G
★★★★★
Kelsey is wonderful, she is always very helpful when it comes to getting medical insurance. Creates an stress-free experience.

Diane Keyser

48 weeks ago

G
★★★★★
Chip and Kelsey are always prompt and answer all questions thoroughly.

Melissa Colegrove

Sep 24, 2025

G
★★★★★
Was referred to Heidi from a friend and immediately felt like we'd known each other far longer than the 10 minutes we... (excerpt)

Jennifer Cohen

Sep 19, 2025

G
★★★★★
Chip is amazing! Always patient and well informed. 5 Stars!

Nidhi Shah Gujarathi

Aug 11, 2025

G
★★★★★
Five-star rating

David Poniatowski

Jul 26, 2025

G
★★★★★
Heidi was amazing! After being frustrated talking with so many or being told to do this or that, I finally got all the... (excerpt)

Kelly Johnson

Jul 18, 2025

G
★★★★★
I love Kelsey! Always professional and helpful! Thank you Kelsey!

Shannon Iannello

May 20, 2025

G
★★★★★
Heidi was an angel sent from heaven! I asked several friends/family for assistance in trying to navigate from being on... (excerpt)

Kim Webb

May 14, 2025

G
★★★★★
Kelsey Mackley is incredibly knowledgable and extremely helpful. She provided even more than I expected and answered all of my questions. I highly recommend Kelsey for all of your health insurance needs!

Richard

Mar 19, 2025

G
★★★★★
Great Service. very knowledgeable

Johann Boniek

Mar 6, 2025

G
★★★★★
I cannot speak highly enough of Heidi and the team at Kelmeg. Heidi single-handedly saved us from a very unpleasant... (excerpt)

Lauren Perlow

Mar 1, 2025

G
★★★★★
Kelsey, Heidi and Chip run a great agency here. They were incredibly helpful, took the time and care to explain all my... (excerpt)

Timothy Hardy

Feb 12, 2025

G
★★★★★
My family coverage was setup through the Kelmeg team with Heidi and Kelsey earlier last year. We just had our second... (excerpt)

Lea Rowley

Feb 12, 2025

G
★★★★★
I highly recommend Kelmeg and Associates. They are professional, knowledgeable and their customer service is exceptional. 5 out of 5 stars

Lainie Chambers

Feb 12, 2025

G
★★★★★
Was so helpful and educated us every step of the way. Highly recommend her expertise in navigating through and making decisions.

Madalene Cowger

Feb 11, 2025

G
★★★★★
If you need Medicare or health insurance Kelsey and her team are great and easy to work with.

Lainie Becker

Feb 7, 2025

G
★★★★★
Kelsey at Kelmeg & Associates is wonderful! They are here to help you figure the right health insurance for you and to... (excerpt)

Angela Acosta

Jan 31, 2025

G
★★★★★
Heidi was incredibly helpful in helping understand our and our young child's health insurance options. Highly recommend her services!

Jenna Nicholson Borg

Jan 28, 2025

G
★★★★★
Kelsey is super helpful and knowledgeable when it comes to finding the right insurance for you! She will guide you through the whole process.

Lori Gilbert

Jan 28, 2025

G
★★★★★
Five-star rating

Kelli Bauer

Jan 27, 2025

G
★★★★★
Working with Kelsey was quick and easy! I was ready for a headache of switching companies and providers, but she was done before I knew it. Thanks Kelsey, you're amazing!

Victoria Potter

Jan 25, 2025

G
★★★★★
Kelsey and the team at Kelmeg & Associates are absolutely amazing! Kelsey is incredibly knowledgeable, trustworthy,... (excerpt)

Kathy Klatt

Jan 22, 2025

G
★★★★★
Kelsey Mackley helped me navigate the no-fault insurance claims and figure out how to use Medpay to start physical... (excerpt)

Audrey Birdsall

Jan 20, 2025

G
★★★★★
Kelsey with Kelmeg and Associates is incredible. Facing the insurance world can be super intimidating but with her help... (excerpt)

Heather Huelsman

Jan 20, 2025

G
★★★★★
Kelsey is THE best! Super knowledgeable and provides lots of great info in selecting the health care plan that's right... (excerpt)

Stacey Strouse

Jan 17, 2025

G
★★★★★
Kelsey is very knowledgeable and trustworthy. She has been a great resource for choosing healthcare insurance for me and my clients. Highly recommend!!

Sarah Schierkolk

Jan 16, 2025

G
★★★★★
Kelsey is a joy to work with. She is so wise which helps families make the best decision for their lifestyle and circumstance. I highly recommend contacting Kelsey to see how she can help!!!

B. J. H.

Jan 16, 2025

G
★★★★★
Very professional and helpful. They answer any question you have about health insurance.

David Shaw

Jan 16, 2025

G
★★★★★
Great company to work with.

Melanie Phares

Jan 14, 2025

G
★★★★★
20 minute consult call super efficient.

Amy Fleshman

Jan 2, 2025

G
★★★★★
Heidi Silwamba at Kelmeg and Associates was so kind, helpful, knowledgeable, and efficient in helping me navigate the... (excerpt)

Phillip Buxton

Dec 16, 2024

G
★★★★★
Chip at Kelmeg & Associates was able to provide expert advice and assistance for my insurance needs. He quickly got... (excerpt)

Tyler Slade

Dec 10, 2024

G
★★★★★
Really great to work with!!

Kimberly Diaz

Dec 10, 2024

G
★★★★★
Kelsey was extremely helpful in helping me pick out a plan for my daughter who lives out of state and is in her early... (excerpt)

Gyanendra Kaphle

Dec 5, 2024

G
★★★★★
very helpful co-operative polite

Janelle Koenders

Dec 4, 2024

G
★★★★★
Five-star rating

Mark Lamontagne

Nov 27, 2024

G
★★★★★
Five-star rating

Matthew Burgard

Nov 21, 2024

G
★★★★★
Five-star rating

Liz Schmidt

Nov 19, 2024

G
★★★★★
Heidi was very helpful and patient. She explained different plans and options without any pressure. Definitely... (excerpt)

Michael Usrey

Nov 13, 2024

G
★★★★★
Chip and Kelsey have been trusted advisers for 20+ years. Originally, advice for employee health insurance for a small business. Later, help with the the individual and Medicare marketplaces. Very knowledgeable.

V M

Nov 12, 2024

G
★★★★★
Kelsey addressed all my concerns. Provided the info necessary to make an informed decision. Listened to my concerns an responded in regular people terms.

William Broersma

Nov 7, 2024

G
★★★★★
These people are awesome. They really know what they’re doing and make everything super fast and easy. I give them my highest recommendation.

Shanna Cullen

Nov 7, 2024

G
★★★★★
I have been working with Kelsey for several years now and she's always super helpful, kind, informative, and thorough. I highly recommend her and Kelmeg and Associates.

Ugljesa Janjic

Nov 7, 2024

G
★★★★★
Kelsey and the team are the very best in their trade. They make all Medicare and healthcare application processes a... (excerpt)

Steve Williams

Nov 4, 2024

G
★★★★★
Five-star rating

Michelle Kerska

Nov 3, 2024

G
★★★★★
Kelsey was so easy to work with. She was quick to respond and very knowledgeable about all my insurance needs!

Stan Smith

Oct 24, 2024

G
★★★★★
Kelsey is excellent to work with. Her knowledgeable expertise is invaluable.

Brian Dolan

Oct 21, 2024

G
★★★★★
Five-star rating

Jill Tallent

Oct 16, 2024

G
★★★★★
Kelmeg and Associates takes the worry and hassle out of the whole process in the least amount of time -- knowledgeable and helpful whether applying for the first time or taking on a new plan -- EXCELLENT!!!

Gina Wadsworth

Oct 15, 2024

G
★★★★★
Kelmeg is always there when you call or they respond quickly.

Jeff Smith

Sep 21, 2024

G
★★★★★
Chip and Heidi were great to work with. I highly recommend their services.

Quin-Lee Ng

May 28, 2024

G
★★★★★
Chip, Heidi & Kelsey are the best. We use them for all our company medical benefit needs and they're excellent to deal with. Very responsive, very knowledgeable.

John Gargaro

Apr 24, 2024

G
★★★★★
Highly recommend if you are looking for assistance navigating the vast health insurance landscape! Was able to schedule a call and speak with Chip, who is knowledgeable and a straight shooter!

Fran Wahl

Apr 10, 2024

G
★★★★★
Five-star rating

Lauren Finamore

Mar 7, 2024

G
★★★★★
Being a 26 year old with no idea of where to start for health insurance, Kelsey at Kelmeg and Associates helped me out... (excerpt)

Me G (Family mailbox)

Mar 4, 2024

G
★★★★★
Five-star rating

Kat Reisenbigler

Feb 23, 2024

G
★★★★★
Kelsey has been my saving grace when it comes figuring out insurance. The marketplace is so confusing and she... (excerpt)

Meghan Murphy

Feb 22, 2024

G
★★★★★
Absolutely amazing people who really care for their clients! Would never trust anyone other than Chip and Kelsey!

Heather Vipond

Feb 21, 2024

G
★★★★★
Kelsey is amazing! She goes above and beyond to find you the best coverage at an affordable rate. She understands the... (excerpt)

Partners and certifications

We work with reputable carriers and programs to help you compare options and enroll with confidence.

Connect for Health Colorado logoAflac logo

Frequently Asked Questions

Term vs whole life, what's the difference?

Term covers you for a set period. Whole life is permanent coverage and may build cash value over time. The right fit depends on your goals, timeline, and budget.

Can I buy life insurance any time of year?

Generally, yes. Life insurance doesn't have an open enrollment window, but approval depends on underwriting and carrier rules.

Do I need a medical exam?

It depends on the policy and the carrier. Some policies may require an exam; others may use alternative underwriting methods.

How much coverage should I get?

A good starting point is to consider income replacement, debts, and future goals, then subtract existing assets. We'll help confirm a realistic range.

What is final expense insurance?

Final expense (burial) insurance is typically smaller permanent coverage intended to help cover funeral and end-of-life costs.

How do I get started?

Book a consult or call (303) 466-9575.

Get a life insurance plan that fits your life

Tell us what you're protecting and your timeline, and we'll help you compare options with clarity and confidence.

Important information

Information on this page is for general guidance and isn't medical, legal, or tax advice.

Coverage, premiums, eligibility, and policy features vary by carrier and underwriting.