Protection for today.
Confidence for tomorrow.
Straightforward life insurance and annuity solutions for individuals, families, pre-retirees, retirees and business owners.
Rachel Reynolds, Principal Colorado Life Insurance Producer License #889392 Independent insurance producer
Life insurance
Help protect what matters most.
Life insurance can help provide financial support to the people who depend on you if the unexpected happens.
Rachel can help you explore insurance options based on your goals, responsibilities and budget. The goal is straightforward: identify the protection you need and understand the policy before you apply.
Request a life insurance quoteIncome protection
Help loved ones manage ongoing household expenses.
Mortgage and debt
Provide funds that may help meet important obligations.
Education and legacy
Support long-term family goals and final wishes.
Types of life insurance
Different protection for different priorities.
The right policy depends on how long coverage is needed, desired flexibility, budget and whether building cash value is part of the plan.
Basic term life
Death-benefit protection for a selected period, such as 10, 20 or 30 years. It is often an affordable choice for temporary needs and generally does not build cash value.
Living-benefit term
Term coverage that may include riders allowing early access to part of the death benefit after a qualifying chronic, critical or terminal illness or covered injury.
Universal life
Permanent coverage with flexible premium and death-benefit options. Cash value earns interest under the policy's crediting terms, subject to charges and guarantees.
Whole life
Permanent coverage with scheduled premiums, guaranteed cash value and a guaranteed death benefit when policy requirements are met. Any dividends are not guaranteed.
Indexed universal life
Flexible permanent insurance with interest-crediting options linked in part to a market index. It does not invest directly in the index, and credits are subject to policy terms such as caps, participation rates or spreads.
Cash-value life insurance strategies
Build flexible policy value for future goals.
A properly designed, adequately funded permanent life insurance policy may build cash value that can be accessed through withdrawals and policy loans. This approach is sometimes described as a personal banking or “Bank On Yourself” concept.
College funding flexibility
An overfunded policy may provide a supplemental source of funds for qualified or nonqualified education expenses without the use restrictions that apply to some education accounts.
Supplemental retirement income
Policy withdrawals up to basis and loans may provide income-tax-advantaged access to accumulated cash value when the policy is properly structured, funded and kept in force.
Life insurance is primarily designed to provide a death benefit, not solely as an accumulation vehicle. Cash-value growth is not guaranteed unless specifically stated in the policy. Loans and withdrawals reduce cash value and death benefits, may incur interest and can cause the policy to lapse. A lapse or surrender with an outstanding loan may create taxable income. Favorable tax treatment generally depends on the policy remaining in force and not becoming a modified endowment contract. Consult qualified tax and legal professionals before implementing this strategy.
Living benefit riders
Benefits you may be able to access while living.
Certain term and permanent life insurance policies offer riders that may accelerate a portion of the policy's death benefit after a qualifying illness or injury. Availability, definitions, underwriting, charges and benefit limits vary by carrier and policy.
Chronic illness
May provide access to policy benefits when the insured meets the rider's requirements, commonly involving an inability to perform specified activities of daily living or severe cognitive impairment.
Long-term care
May help pay qualifying long-term care expenses after the rider's eligibility requirements and any applicable elimination period are satisfied.
Critical illness
May accelerate benefits following diagnosis of a covered condition, such as certain cancers, heart attack or stroke, as specifically defined by the rider.
Critical injury
May provide benefits for a covered serious injury, such as paralysis, severe burns, coma or traumatic brain injury, subject to the rider's definitions.
Accelerating policy benefits generally reduces the remaining death benefit and may reduce cash value. Riders may involve an additional charge or discount, and benefits may affect eligibility for public assistance programs. Long-term care and chronic illness riders are not necessarily substitutes for standalone long-term care insurance. Consult a qualified tax adviser about possible tax consequences.
Fixed annuities
Turn a portion of savings into predictable income.
Principal protection
Fixed annuities are insurance products designed to protect principal from direct stock-market losses.
Tax-deferred growth
Earnings generally grow tax deferred until money is withdrawn.
Income options
Available options may provide income for a set period or for life, subject to contract terms.
A fixed annuity can help add stability to a retirement-income strategy without direct investment in the stock market.
Rachel can explain fixed, indexed and income-annuity options, including guarantees, access to funds, surrender periods and available income features.
Ask About Fixed AnnuitiesIndexed annuities
Growth potential with protection from direct market loss.
A fixed indexed annuity credits interest in part by reference to the performance of a market index. The contract does not invest directly in the index, and credited interest is determined by the insurer's stated terms.
Principal protection
Contract value is generally protected from direct stock-market losses, subject to withdrawals, surrender charges and the insurer's claims-paying ability.
Index-linked interest
Interest-crediting strategies may provide growth potential based on positive index performance, subject to caps, participation rates, spreads and other contract terms.
Tax deferral
Interest generally accumulates tax deferred until distributed, allowing contract value to compound without annual taxation.
Lifetime-income options
Optional income features may provide a predictable stream of retirement income, including income that can continue for life, subject to contract provisions and rider charges.
Annuity guarantees are backed by the claims-paying ability of the issuing insurance company. Indexed annuities may credit no interest in a period, and gains are limited by the contract's crediting method. Product availability, features and surrender periods vary.
Principal • Colorado Life Insurance Producer License #889392Meet Rachel
A personal approach.
Rachel Reynolds is the Principal of Reynolds Insurance Solutions. She holds Colorado Life Insurance Producer License #889392.
Clear explanations, thoughtful options and a process centered on your goals and priorities.
Start a conversation
Ready to explore your insurance options?
Tell Rachel whether you are looking for life insurance protection or information about fixed annuities.
Castle Pines, CO 80108