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skarstens

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 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|

El seguro de vida para constituir un patrimonio

¿Alguna vez ha querido ser millonario como los que ve en las películas, pero no tiene tiempo ni motivación para trabajar hasta conseguirlo? Pues bien, un seguro de vida puede ser su boleto de oro. Así es, el seguro de vida puede ayudarte a construir un patrimonio sin todo el trabajo duro. Veamos cómo puede [...]

By |2023-03-17T23:25:42-07:00December 30th, 2022|Seguro de vida|

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|

Por qué el seguro de vida le hace sentirse (y estar) más seguro económicamente

Si algo nos han enseñado los años transcurridos desde que oímos por primera vez la palabra "pandemia" es que la planificación financiera es más importante que nunca. Y hoy estamos aquí para poner una estaca en el suelo para que el seguro de vida tenga un asiento en esa mesa de planificación. Piense en el [...]

By |2023-03-17T23:26:07-07:00December 30th, 2022|Seguro de vida|

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|

¿Qué es un proceso sin agente?

Hemos optado por un proceso sin agentes, porque sabemos que la vida puede ser muy ajetreada y que contratar un seguro de vida de la forma tradicional significa sentarse con un agente, durante 2 o 3 citas, para hablar y solicitar un seguro de vida. Después, una vez que ha presentado la solicitud a través [...]

By |2023-03-17T23:26:03-07:00December 29th, 2022|Seguro de vida|

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|

Las personas que necesitan un seguro de vida sobrestiman su coste en casi un 300%.

Considere esto del último estudio del Barómetro de Seguros LIMRA: El 49% de los no titulares de un seguro de vida que respondieron a este estudio afirmaron que el coste era la principal razón por la que no habían contratado un seguro de vida. Además, cuando se les preguntó por el coste anual previsto de [...]

By |2023-03-17T23:26:02-07:00December 29th, 2022|Seguro de vida|

El valor de contratar un seguro de vida joven

Muchos de nosotros nos preocupamos más por el presente que por el futuro, pero cuando se trata de seguros de vida, ocurre lo contrario. Cuanto más joven y sano sea, más posibilidades tendrá de obtener una cobertura de calidad a un precio asequible. Incluso si su salud empeora con el tiempo, las pólizas de vida [...]

By |2023-03-17T23:25:47-07:00December 22nd, 2022|Seguro de vida|
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