Unlock Significant Savings with Self-Funded Insurance

An approach that empowers businesses to take control of their healthcare costs while providing exceptional coverage.

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Gerald L. Lukton Co. is a reputable local insurance agency in Colorado.


At Gerald L. Lukton Co., we believe that every day should feel like a homecoming—free from financial worries and stress. Dodge accruing debts, overwhelming utility bill costs, liability charges, house mortgage payments, and unexpected natural disasters. Your family’s happiness and providing your personal property security is now our responsibility. Breathe life, unrestrained – the way you pictured – to full potential.

Say Goodbye to Hidden Policies?

Get the Right Plan and Coverage you need at Gerald L. Lukton Co.

Tired of those secreted insurance policies that sound phone - trying to steal your hard-earned money? Well, you are in the right place because we show pretense plans and underwriting con artists the exit door that ruins your life.


Over the years, Gerald L. Lukton Co. has provided many families and business owners peace of mind by releasing their stress due to financial strain, unpredictable futures, and heartbreaking life woes.

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Why Choose Gerald Lukton?

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Experience Plus Expertise

Can you imagine what’s coming when veteran policymakers with four decades of experience join forces with our coverage plan consultants? It’s a well-thought-out insurance policy that’s going to work wonders.

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Personalized Insurance Services

We take a tailored approach when devising an effective coverage plan for you. Thus, providing you with financial protection and family welfare whenever you need them.

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Competitive Rates

Gerald L. Lukton Co. strives to provide you with the best affordable costs for all types of coverage plans. Our mission is to make things as lighter as possible - for you -- and your pockets.

What We Offer?

Health Insurance 

A person’s well-being always comes first, if it’s not there, then singing a swansong to family, friends, business, and even your life remains. Stop ignoring yourself and buy the best affordable personalized healthcare coverage plans with the lowest premium repayments.

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Life Insurance 

Secure the future of your dear ones with our feasible coverage options. Whether you require financial support, business protection, or a calm composure, our comprehensive life coverage plans got you covered.

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How We Work

Initial Consultation

The entire thing begins with a brief discussion to help us understand the client’s concerns and requirements. Once the air is cleared, we provide a tailored coverage plan keeping their requirements in mind.

Tailored Coverage Plans

We provide personalized insurance plans after having an in-depth discussion with our clients. We make sure every pain point is met and every objective is achieved without any disruption.

Transparent Communication 

Our seamless communication channels ensure crystal-clear end-to-end discussions. Our expert insurance policymakers convey every piece of coverage information and the benefits included therein.

Continuing Support

Our rapport with you doesn’t end when the coverage plan is completed, it’s only begun. Gerald L. Lukton is available 24/7 to meet your demands whenever you need them.

What Our Clients Say About Us!

★★★★★

The team at Lukton helped us create a health plan that perfectly fits our company’s needs. They took the time to understand our unique requirements and delivered a solution that saved us money while keeping our employees well-covered.

Trevor Galbraith

★★★★

We switched to Lukton's self-funded health plan and couldn't be happier. It’s been a cost-effective way to provide quality healthcare for our team, with transparency and personalized service.

William Burke

★★★★

These guys are lifesavers I can trust blindly. My faith in Gerald Lukton grew once I went through the tailored coverage they wrote for my startup. It was the perfect backup plan.

Ryan Goldsmith

★★★★★

I acquired umbrella insurance when I was in utter despair. Witnessing my dream business getting off my hands in succession wasn’t easy to digest. Gerald Lukton Co. was a blessing in disguise. These guys covered my liability costs and were polite enough to educate me about how business coverage plans work in the long run.

Patrick Fitzgerald
About the Company

A Preface

Gerald L. Lukton Co. has been Colorado’s core insurance company practicing coverage plans for the locals since 1978. But we never knew we could’ve made it this far. All credit goes to the Coloradans who believed in us and made sure we stayed. Being the only local agency in Denver, we plan to go statewide for the time being in hopes of providing health insurance plans at competitive rates for folks and families who can’t afford them. Gerald L. Lukton Co. is a trusted insurance agency in Colorado that’s already been reassured by fellow residents of Colorado, USA. 


You might be wondering what makes us that special when there are thousands of customized insurance plans online already accessible. Well, it’s the freedom, flexibility, and versatility we offer to families via our personalized insurance solutions. We make sure our coverage plans for life, business, and healthcare insurance have enough room for adjustment and redemption – for life. 

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Frequently Asked Questions by Customers

  • What insurance coverage plans do you guys cover?

    We offer miscellaneous insurance policies. Life insurance, business insurance, healthcare coverage plans are our top-sellers.

  • How can I request a quote for a home insurance policy?

    Call us directly at our given contact numbers or send us an email to request coverage plan estimates.

  • What factors can affect my insurance premium plan?

    Your age, profession, and the region you reside are the three biggest factors that directly affect your insurance coverage repayment plan.

  • How can I lower my insurance premium cost?

    This is probably the most queried question that comes to us from clients. Here’s a quick overview to lower your premiums: maintain a good claims history, increase deductibles, and cash coverage offers.

  • What do I need to file an insurance claim?

    Feel free to contact our insurance claims department and request all the information you need. They will guide you through every step, ensuring it is processed and handled effectively.

  • What does personal insurance typically cover?

    Our coverage plan covers the individual’s health, possessions, disability, and against unexpected natural disasters. Yes, Gerald L. Lukton also offers financial protection for special cases.

  • What types of damages does home insurance cover?

    Gerald L. Lukton Co. promises property damage protection against natural disasters, theft, and scam. However, specific insurance plans may vary, so it’s better to review it first. Contact us for more information.

  • Can I request for changes to my policy?

    Yes, definitely! Gerald L. Lukton Co. is open to making amendments as per your request. We’ll update your coverage plan limits, add/exclude beneficiaries, and adjust deductibles.

  • How often should I review my insurance coverage?

    Yes, you can review it every year. But why take extra burden in life when Gerald L. Lukton Co. coverage financiers do it for you? They keep monthly checks and make requested amendments as per request.

  • Will I get a discount if I buy multiple policies?

    Absolutely! We provide discounts and benefits to clients who buy multiple coverage plans. Please note that concessions and incentives may vary depending on your insurance plan. 

Comprehensive Coverage Protection Plans with Easy Claims Process

Are you tired of a million shady insurance companies floating on the web? So are we! It was one of the reasons to establish Gerald L. Lukton Co. and uncover the rip-offs by offering transparent protection plans to our clients. Get quick insurance quotes for tailored family coverage plans now with non-complicated processing guaranteed.

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