At LBSurance, we believe every family deserves ironclad financial peace of mind — without the confusion, the jargon, or the fine print. Agent Erie brings personalized, heartfelt guidance to every policy, every client, every time.
When it comes to protecting your family's financial future, experience and empathy are everything. Erie is a dedicated, licensed insurance professional proudly based in Aurora, Colorado — and deeply rooted in the community he serves.
Erie's philosophy is simple: real people deserve real answers. No scripts. No pressure. No confusion. Just clear, honest conversations about what matters — your health, your home, your legacy. Whether you're a senior navigating Medicare for the first time or a homeowner seeking mortgage protection, Erie meets you exactly where you are and builds a plan around your life.
Serving Aurora and surrounding communities across the Denver metro area, Erie has helped hundreds of families find coverage that truly fits — and rest easy knowing they're protected.
Specializing in Final Expense, Medicare, Life Insurance, Mortgage Protection, and Turning-65 planning — Erie is your all-in-one insurance guide in Aurora, Colorado. Available for in-person consultations, phone calls, and virtual meetings at your convenience.
From protecting your home to planning your legacy, LBSurance offers a full suite of insurance solutions designed for real people in Aurora, Colorado and the greater Denver metro area.
Say goodbye to the burden your loved ones shouldn't have to carry. Final expense insurance covers funeral costs, medical bills, and end-of-life expenses so your family can grieve without financial stress.
Medicare is powerful — but confusing. Erie cuts through the complexity and matches you with the right Medicare Supplement or Medicare Advantage plan to close the gaps and keep your healthcare costs predictable.
Turning 65 is one of the most important insurance milestones of your life. Erie provides a step-by-step roadmap so you enroll correctly, on time, and never pay a penalty you didn't deserve.
Your home is more than a building — it's your family's foundation. Mortgage protection ensures that if the unthinkable happens, your loved ones never lose the roof over their heads.
Term, whole, or universal — life insurance is the cornerstone of every solid financial plan. Erie helps you find the right fit to protect your income, your family, and your legacy at a price that works for your budget.
You don't have to figure it out alone. Call Erie for a free, no-pressure consultation and discover exactly which coverage fits your life, budget, and goals.
Call (303) 304-5562We're not a faceless corporation. We're your neighbor, your advocate, your partner. Here's why hundreds of families across Aurora and the Denver metro trust LBSurance.
Erie lives and works in the Aurora community, understanding the unique needs of Colorado families — from young homeowners to seniors navigating retirement.
As an independent agent, Erie shops dozens of top-rated carriers to find you the absolute best coverage at the most competitive rates — loyalty to you, not to companies.
Insurance language can be overwhelming. Erie translates everything into plain English so you always know exactly what you're getting — and why it matters to your family.
Life changes. Your coverage should too. Erie doesn't disappear after the sale — he's your lifelong insurance partner, ready for every milestone, question, and life event.
Knowledge is the first step toward protection. Here's a comprehensive breakdown of every insurance product LBSurance offers in Aurora, Colorado and surrounding communities.
Final expense insurance — also known as burial insurance or funeral insurance — is a small whole life insurance policy designed specifically to cover the costs associated with end-of-life. The average funeral in Colorado costs between $8,000 and $12,000, and that doesn't include medical bills, outstanding debts, or estate costs that may follow.
Without a plan in place, your family is left scrambling during one of the most emotionally devastating moments of their lives. Final expense insurance removes that burden entirely. Your beneficiaries receive a lump-sum tax-free death benefit that can be used for funeral expenses, cremation services, burial plots, headstones, flowers, catering, travel costs for family members, and any final medical bills or personal debts.
One of the most attractive features of final expense insurance is its accessibility. Most plans require no medical exam, making it available to seniors with pre-existing health conditions. With simplified issue or guaranteed issue options, approval can happen within days. Premiums are locked in for life — they'll never increase, and your coverage will never decrease as long as you pay your premium.
LBSurance agent Erie works with multiple top-rated carriers in Colorado to find you the most affordable final expense policy — often starting as low as $30/month — so you can protect your family without straining your budget.
Medicare is the federal health insurance program for Americans aged 65 and older, as well as younger individuals with certain disabilities. While Medicare provides essential coverage, it doesn't cover everything — and the gaps it leaves can cost thousands of dollars out of pocket each year.
Medicare Part A covers hospital inpatient care, skilled nursing facility stays, hospice care, and some home health services. Medicare Part B covers outpatient care, doctor visits, preventive services, and durable medical equipment. However, Parts A and B come with deductibles, coinsurance, and copayments that can add up quickly.
That's where Medicare Supplement (Medigap) plans come in. These plans, sold by private insurance companies, help pay for costs that original Medicare doesn't cover, such as copays, coinsurance, and deductibles. Erie compares multiple Medigap plans — from Plan G to Plan N — to find the one that matches your health usage and financial situation.
Alternatively, Medicare Advantage (Part C) bundles Parts A, B, and often D (prescription drugs) into a single plan offered by private insurers. Many Medicare Advantage plans include vision, dental, hearing, and wellness benefits not available through original Medicare.
Erie also assists with Part D Prescription Drug Plans, ensuring your medications are covered at the lowest possible cost. As a local Aurora Medicare insurance expert, Erie takes the guesswork out of annual open enrollment, helping you compare plans, switch if necessary, and avoid penalties.
Approaching your 65th birthday is exciting — and it comes with some of the most important insurance decisions you'll ever make. The months surrounding your 65th birthday open what's called your Initial Enrollment Period (IEP), and the choices you make during this window will shape your healthcare coverage for years to come.
Missing your enrollment window or making the wrong choices can result in costly late enrollment penalties — penalties that last for the rest of your life. For Part B, the penalty is 10% for every 12-month period you were eligible but didn't enroll. For Part D, it's 1% per month of delayed enrollment. These add up fast.
Erie's Turning 65 program provides a complete, step-by-step roadmap that begins up to 6 months before your birthday. Together, you'll review your current coverage (including any employer or retiree health plans), understand your Medicare options, coordinate your Social Security benefits, and enroll in the right combination of coverage before any deadline passes.
Erie also helps those still working at 65 understand how employer coverage interacts with Medicare, what qualifies as a Special Enrollment Period, and how to avoid paying for duplicate coverage. If you live in Aurora or the Denver metro area and are turning 65 in the next 6–12 months, now is the time to call Erie.
Your home is your family's greatest asset — and likely your largest financial obligation. Mortgage protection insurance is specifically designed to ensure that if you die, become disabled, or face a qualifying critical illness, your mortgage is paid off or covered so your family never has to leave their home.
Unlike standard term life insurance, mortgage protection insurance is structured to align with your loan's outstanding balance — providing a safety net that shrinks alongside your mortgage. Some plans feature a level death benefit, meaning your family receives a full payout even if the mortgage has been partially paid down, giving them extra financial flexibility.
Many mortgage protection policies also include optional riders that protect against more than just death. Disability riders can make your mortgage payments if you're unable to work due to injury or illness. Critical illness riders provide lump-sum benefits upon diagnosis of cancer, heart attack, or stroke. Job loss riders can help cover your payments while you get back on your feet.
Aurora homeowners, take note: the Colorado real estate market means your mortgage is one of your biggest monthly expenses. Protecting it is one of the smartest financial decisions you can make. Erie can typically secure coverage quickly — with simplified underwriting, many applicants are approved without extensive medical exams. Coverage can be in place within days of applying.
Life insurance is the cornerstone of smart financial planning. At its core, it ensures that the people who depend on you — your spouse, your children, your aging parents — are financially secure if you're no longer there to provide for them. But modern life insurance does so much more than pay a death benefit.
Term Life Insurance is the most straightforward and affordable option. You choose a coverage amount and a term length — typically 10, 20, or 30 years — and pay a fixed premium throughout the term. If you pass away during the term, your beneficiaries receive the full death benefit tax-free. Term life is ideal for income replacement, covering a mortgage, or protecting young families during their highest-need years.
Whole Life Insurance provides permanent, lifetime coverage with premiums that never increase and a guaranteed death benefit. Whole life also builds a cash value component over time — a savings-like feature that grows tax-deferred and can be borrowed against for emergencies, education, or retirement income. It's a powerful wealth-building tool for long-term planning.
Universal Life Insurance offers the most flexibility, allowing you to adjust your premium payments and death benefit as your life circumstances change. It also accumulates cash value, making it attractive for those who want both coverage and financial versatility.
Erie provides thorough, side-by-side comparisons of plans from leading national carriers, customized to your age, health, income, and family situation. Whether you're a 30-year-old parent in Aurora just starting out or a 55-year-old professional looking to solidify your legacy plan, LBSurance has the right solution.
LBSurance is proudly headquartered in Aurora, Colorado — but our reach extends across the entire Denver metropolitan area. Wherever you call home in the Front Range, Erie is ready to serve you.
Whether you're a longtime Aurora resident, a new homeowner in Centennial, or a retiree in Parker, Erie provides the same exceptional, personalized service to every community we serve. In-person appointments, phone consultations, and virtual meetings are all available — on your schedule.
Check My Area — (303) 304-5562Erie walked me through every single Medicare option without rushing me. I finally feel like I actually understand my coverage. He saved me over $180 a month compared to what I was paying. I can't recommend LBSurance enough.
When my husband passed, the last thing I wanted to deal with was funeral expenses. Thanks to the final expense policy Erie set up for us three years ago, I didn't have to. Everything was covered. That peace of mind is priceless.
We bought our first home and Erie made sure we had mortgage protection from day one. He explained everything clearly, found us a great rate, and was available every time I had a question. LBSurance is the real deal.
Everything you need to know before your first conversation with Erie — answered honestly and clearly.
Still have questions? Call ErieDon't wait for a crisis to think about coverage. Call Erie today for a free, no-obligation consultation and discover how affordable peace of mind can truly be. Serving Aurora, Denver, and all of Colorado's Front Range.