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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.

¿Qué es un seguro de vida para sepelio y gastos finales?

¿Has pensado alguna vez qué pasaría si fallecieras hoy? No es una idea agradable, pero es importante planificar con antelación. El seguro de entierro y de gastos finales puede darle la tranquilidad de que sus seres queridos no tendrán que soportar una carga económica cuando usted falte. ¿Qué es el seguro de sepelio y gastos [...]

By |2023-03-17T23:25:55-07:00December 22nd, 2022|Seguro de vida|

Navigating the Finances of a Deceased Loved One

We all know that no matter how much we might prepare, death is one of those things that comes unexpectedly. And if you’re the beneficiary of a deceased person’s estate, then you may find yourself in the uncomfortable position of not only having to deal with your grief but also managing their finances. If this [...]

By |2023-02-25T10:10:11-07:00December 22nd, 2022|Life Insurance|

Cómo gestionar las finanzas de un ser querido fallecido

Todos sabemos que, por mucho que nos preparemos, la muerte es una de esas cosas que llegan inesperadamente. Y si usted es el beneficiario de la herencia de una persona fallecida, puede encontrarse en la incómoda situación no sólo de tener que lidiar con su dolor, sino también de gestionar sus finanzas. Si éste es [...]

By |2023-03-17T23:29:43-07:00December 22nd, 2022|Seguro de vida|

The Facts about Life Insurance and Federal Estate Tax

When it comes to life insurance, most people think of it as a way to provide financial security for their loved ones. But did you know that life insurance can also be an important part of estate planning and federal estate tax? Don’t worry if this is news to you; we’re here to get you [...]

By |2023-02-25T09:46:28-07:00December 22nd, 2022|Life Insurance|

Datos sobre el seguro de vida y el impuesto federal sobre el patrimonio

Cuando se habla de seguros de vida, la mayoría de la gente piensa en ellos como una forma de proporcionar seguridad financiera a sus seres queridos. Pero, ¿sabía que el seguro de vida también puede ser una parte importante de la planificación patrimonial y del impuesto federal de sucesiones? No se preocupe si esto es [...]

By |2023-03-17T23:25:51-07:00December 22nd, 2022|Seguro de vida|

Divorcing? Don’t Forget to Update Your Life Insurance

Divorce is never easy, but there’s one part of the process that can be especially tricky—updating your life insurance. Between packing up and splitting assets, it can be easy to overlook this important step. So, why exactly should you make sure to update your life insurance after a divorce? Read on for the scoop. [...]

By |2023-02-25T09:25:45-07:00December 21st, 2022|Life Insurance|

¿Divorciarse? No olvide actualizar su seguro de vida

El divorcio nunca es fácil, pero hay una parte del proceso que puede resultar especialmente complicada: la actualización de su seguro de vida. Entre hacer las maletas y dividir los bienes, es fácil pasar por alto este importante paso. Entonces, ¿por qué exactamente debe asegurarse de actualizar su seguro de vida después de un [...]

By |2023-03-17T23:25:46-07:00December 21st, 2022|Seguro de vida|

Life Insurance is Life Changing

No one likes to think about their mortality, but it’s important to plan for the unexpected. That’s why considering life insurance as part of your financial planning is essential for every household. It not only provides financial stability for your loved ones, but it also allows them the time and space to grieve without worrying [...]

By |2023-02-25T10:36:15-07:00December 21st, 2022|Life Insurance|

El seguro de vida cambia la vida

A nadie le gusta pensar en su mortalidad, pero es importante planificar para lo inesperado. Por eso, considerar el seguro de vida como parte de su planificación financiera es esencial para todos los hogares. No sólo proporciona estabilidad financiera a sus seres queridos, sino que también les da tiempo y espacio para vivir su duelo [...]

By |2023-03-17T23:25:59-07:00December 21st, 2022|Seguro de vida|

Life Insurance and Special Needs Trusts: A Match Made in Heaven?

You know that life insurance can provide financial security for your family after you’re gone. But did you know that it can also be an invaluable tool when it comes to setting up a special needs trust? In this blog, we’ll dive into why special needs trusts don’t typically buy life insurance policies—but designate them [...]

By |2023-02-25T10:01:06-07:00December 21st, 2022|Life Insurance|
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