Colorado viatical settlement provider bonds.
$1,000 flat.
Colorado licenses viatical settlement providers — companies that buy life insurance policies from their owners — through the Division of Insurance under C.R.S. 10-7-603, and the license application must include evidence of a $100,000 surety bond. Ours is $1,000 flat, the price you see is the checkout price. Any credit screen is a soft pull only — it never affects your score.
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How much does a Colorado viatical settlement provider bond cost?
$1,000 at the $100,000 amount, the same for every applicant.
Three steps. One sitting.
Viatical provider license bonds are a straightforward filing. Here's the entire process:
Apply online
Business details, a few commercial questions, an effective date, and a term. One soft credit pull, never a hard inquiry, and it never affects your score.
Pay & e-sign
This bond is checkout-priced at $1,000 flat, so it issues the moment you pay — your executed bond and power of attorney generate on the spot.
File with the Division of Insurance
Your executed bond arrives by email, ready to file with your provider license application at the Colorado Division of Insurance. Wet-ink original mailed on request.
What it is and who needs it.
What the bond actually guarantees
Colorado regulates viatical settlements — transactions where a policyowner sells a life insurance policy for less than its death benefit — under Title 10, Article 7, Part 6 of the Colorado Revised Statutes. C.R.S. 10-7-603 requires a viatical settlement provider to be licensed by the Commissioner of Insurance, and the Division of Insurance requires evidence of a $100,000 surety bond with the license application.
It's a three-party arrangement: you (the principal), the surety carrier, and the state (the obligee). The bond stands behind your conduct as a provider — the disclosure, escrow, and payment obligations that protect viators, who are often selling a policy during a serious illness. The surety can cancel only on thirty days' written notice to the Commissioner.
It is not insurance for you — if the surety pays a claim, you repay the surety. The bond must stay continuously on file for as long as you hold the license; we track the term and send renewal notices 60 and 30 days out.
You need this bond if you're
Claims, renewal, filing, and what sets the price.
If a claim is made
A claim comes from the party the bond protects, the obligee named on the form, when the duty the bond guarantees is not met.
The surety investigates and pays a valid claim, up to the $100,000 bond amount. You then repay the surety: a surety bond is a guarantee of your performance, not insurance for you.
Renewal and term
The premium covers a one-year term from the effective date you choose; a longer term is the same price per year, chosen at checkout.
Renew before the expiry date to keep the bond in force: the license, permit or contract it backs expects continuous coverage.
How to file it
File with the Division of Insurance. Your executed bond arrives by email, ready to file with your provider license application at the Colorado Division of Insurance. Wet-ink original mailed on request.
What sets the price
The premium is fixed at $1,000 at the $100,000 amount for every applicant: the carrier’s rate book prices this bond by the form, not by your credit or your business profile.
One soft credit pull, never a hard inquiry, and it never affects your score.
Where a check runs, it decides approval; the rate is the same for everyone approved.
One application, issued instantly.
These are the actual issuing fields — business details, a few commercial questions, an effective date, and a term. That is the application.
Start the application →Common questions.
Other Colorado bonds.
The same bond in nearby states.
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Price and requirements checked on the carrier’s application, . Page updated .
Finish your provider license today.
$1,000 flat, issued the moment you pay, soft pull only. Free until issued.