About Scott Karstens

Scott Karstens is the Founder and CEO of Broker Backoffice and Quote Bot. Scott has been in the Insurance and Financial Services industry since 2001 based out of Colorado. With more than 20 years of experience and success in the insurance and financial services industry, Scott is an insurance planning and business development expert. His personal attention to detail, passion for the betterment of the insurance industry, and the engagement of his team are key drivers for Scott’s success. Scott's focus for Quote Bot is building a platform for consumers that allows them to quote, customize and buy life insurance without needing to stop and talk with an agent. He has put his experience to work providing not only a quote process to make this possible, but also providing well-thought-out solutions designed to take the guesswork out of your life insurance planning. To Scott, providing life insurance planning solutions for both personal and business needs is extremely important and his focus is on empowering the consumer to buy what they want without an agent. Aside from his duties with Broker Backoffice, LLC., and Quote Bot, Scott mentors Elementary and Middle School kids through his sports program, helping them develop important life skills, teamwork, and work ethic. Scott is also married and has an amazing wife and three amazing children.

How long will my savings last after the loss of a spouse or life partner?

The average amount of time an American's savings will last after the death of a spouse or partner can vary depending on the amount of income you need to replace, and more importantly, the amount of expenses you need to cover in the absence of your loved one. Generally speaking, many people expect their savings [...]

By |2023-03-06T13:23:53-07:00March 6th, 2023|Life Insurance|

The Benefits of Using Life Insurance to Maximize Your Charitable Giving

If you’ve been considering gifting some or all of your highly appreciated stock, business interests, or other assets to charity as part of a tax-saving plan, then life insurance may be the missing piece of the puzzle. You can use life insurance to offset the loss to your beneficiaries in the event that you gift [...]

By |2023-02-25T09:41:14-07:00December 30th, 2022|Life Insurance|

Life Insurance – The Easier Way To Give Back

Giving back to our favorite charities is a great way to feel good about ourselves, but it can be hard for us regular folks to donate the kind of large amounts that can really make a difference. That's why life insurance is such a great option for donating - it doesn't have to break the [...]

By |2022-12-30T19:09:44-07:00December 30th, 2022|Life Insurance|

Pass the Life Insurance, Please!

Are you looking for a way to leave your loved ones a financial legacy? Structured inheritance utilizing life insurance is something to consider. It’s not something that comes up in everyday conversation, but it’s an important topic to discuss. Let’s talk about it! What is Structured Inheritance? Structured inheritance is a process of transferring assets [...]

By |2023-02-25T10:07:02-07:00December 30th, 2022|Life Insurance|

How Life Insurance Can Equalize Inheritance Among Your Heirs

Have you ever wondered how to divide up your assets after you’re gone so that each of your heirs receives a fair share? If dividing certain assets equally among them is going to be tricky, life insurance may just be the answer. Let’s take a look at why this is an ideal solution. One Size [...]

By |2023-02-25T09:28:25-07:00December 30th, 2022|Life Insurance|

The Life Insurance Way to Build an Estate

Have you ever wanted to be a millionaire like the ones you see in movies, but don't have the time or motivation to work your way up there? Well, life insurance may just be your golden ticket. That's right, life insurance can help you build an estate without all the hard work! Let's dive into [...]

By |2023-02-25T11:17:37-07:00December 30th, 2022|Life Insurance|

Why Life Insurance Makes You Feel (and Be) More Financially Secure

If the years since we first heard the word “pandemic” have taught us anything it is that financial planning is more important than ever.  And, we are here today to put a stake in the ground for life insurance having a seat at that planning table. Think of life insurance’s role in financial planning in [...]

By |2023-02-25T09:54:10-07:00December 30th, 2022|Life Insurance|

What is an agent less process?

We chose an agentless process, because we know life can be very busy, and arranging life insurance the, traditional way, means sitting down with an agent, for 2 or 3 appointments, to discuss and apply for life insurance. Then, once you have applied through this traditional process, you have to wait for a month or [...]

By |2023-02-25T10:52:03-07:00December 29th, 2022|Life Insurance|

People who need life insurance overestimate its costs by nearly 300%

Consider this from the latest LIMRA Insurance Barometer Study:  49% of non-owners of life insurance responding to this study said cost was the main reason they have not purchased life insurance. Moreover, when asked about the expected annual cost of a 20-year, $250,000 term life policy for a healthy 30-year-old they grossly overestimated the amount. [...]

By |2023-02-25T11:13:58-07:00December 29th, 2022|Life Insurance|

The Value of Buying Life Insurance Young

So many of us are more concerned with the present than the future, but when it comes to life insurance, the opposite is true. The younger and healthier you are, the better chance you have of getting quality coverage at an affordable rate. Even if your health declines over time, term life policies come with [...]

By |2022-12-22T22:02:12-07:00December 22nd, 2022|Life Insurance|
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