Life insurance
without the
runaround.

Compare term life quotes and apply online, or talk with a licensed agent about whole life and final expense coverage.

  • No medical exam options on some policies
  • Approval may depend on your answers to health questions.
  • Independent brokerage
Get a Term Life Quote (opens BackNine's site in a new tab) Learn More

A licensed agent may contact you about your request.

Two ways to start

Pick the path that fits the coverage you want.

Term life

Get quotes and apply online through BackNine, our quoting and application platform. It opens on BackNine's website.

Start a Term Life Quote → (opens BackNine's site in a new tab)

Whole life & final expense

Call or email us and a licensed agent will walk you through your options.

Call 303-660-3111 Email van@lucidbrokers.com

Our Products

Coverage for every stage of life

Whether you're protecting your young family or planning ahead for final expenses, we can help you look at your options.

Term Life

Coverage for a set period, often chosen to protect your family during your working years.

  • Term lengths commonly 10 to 30 years
  • Coverage amounts from $50K to $2M
  • Premiums stay level for the term on many policies
  • No medical exam options on some policies
  • Approval may depend on your answers to health questions
Get a Term Life Quote (opens BackNine's site in a new tab)

Quotes and applications are completed on BackNine's website.

Whole Life

Permanent coverage that can last your entire life as long as premiums are paid, and builds cash value over time.

  • Coverage for life while premiums are paid
  • Builds cash value you may be able to borrow against
  • Features and costs vary by carrier and policy
Call us

Call 303-660-3111 or email van@lucidbrokers.com.

Final Expense

Smaller permanent policies meant to help with funeral costs and final bills, so your family doesn't have to.

  • Coverage from $5K to $50K
  • Simplified health questions on many policies
  • Issue ages and amounts vary by carrier
Call us

Call 303-660-3111 or email van@lucidbrokers.com.

How It Works

Get started in 4 simple steps

Start online or talk with a licensed agent. Your choice.

  1. Choose Your Coverage

    Decide on the type of policy and coverage amount that fits your needs.

  2. Answer a Few Questions

    Health and lifestyle questions help carriers decide what they can offer.

  3. Review Your Options

    See term life quotes on BackNine's website, or ask an agent about whole life and final expense.

  4. Apply

    Coverage starts only after the insurer approves your application and issues the policy.

Why Lucid Brokers

Straightforward help, your way

$0

Service fees

We are paid by the insurers we place coverage with.

Online

Term life quotes and applications through BackNine

Agent

Talk with a licensed agent by phone or email

Independent

Independent insurance brokerage

Questions

Frequently asked questions

Some term and final expense policies do not require a medical exam. Approval may depend on your answers to health questions, and some carriers may ask for an exam or lab work, especially for larger coverage amounts. Ask us what a carrier is likely to require before you apply.

It depends on the carrier, the product and your application. Some applicants get a decision quickly; others need additional review or records. Coverage starts only after the insurer approves your application and issues the policy.

As an independent brokerage, we offer policies from the insurers we are appointed with. Which carriers and products are available depends on your state and your situation. Call or email us and we'll tell you what's available to you.

Most life insurance policies include a free-look period, whose length depends on your state and policy, during which you can cancel and get a refund of the premium you paid. Your policy documents explain the exact terms, including what happens if you cancel later.

This website has no forms and no tracking tags. Term life quotes and applications are completed on BackNine's website, which collects that information under its own terms and privacy policy. See our Privacy Notice for details.

Each carrier has its own underwriting guidelines, so options may exist even with pre-existing conditions. Approval is up to the carrier and may depend on your answers to health questions. Call or email us to talk through your situation.

Ready to protect what matters?

Start a term life quote online, or call or email us about whole life and final expense coverage.

Get a Term Life Quote → (opens BackNine's site in a new tab) Call 303-660-3111 Email us

A licensed agent may contact you about your request.