Protecting your
family's future
with confidence.
We provide personalized life insurance solutions with access to 30+ top-rated carriers — tailored to fit your family's needs and budget.
Mastering the tiers of protection.
With access to 30+ top-rated carriers, we find the right coverage for every stage of your life.
Term Life
Affordable, fixed-premium coverage for a specific period — ideal for safeguarding mortgages, loans, and educational expenses.
Get a Quote arrow_forwardWhole Life
Lifelong coverage that accumulates cash value — serving as both a financial safety net and a tax-advantaged investment.
Get a Quote arrow_forwardUniversal / IUL
Flexible premiums and adjustable coverage with cash value that grows based on market interest rates. The pinnacle of adaptability.
Get a Quote arrow_forwardMortgage Protection
Ensures your mortgage payments are always met, even in the face of unexpected tragedy — keeping your family in their home.
Get a Quote arrow_forwardFinal Expense
Peace of mind knowing that funeral, memorial, cremation, and burial expenses will be fully covered for your loved ones.
Get a Quote arrow_forwardWhat our clients say.
"Tom, thank you for everything you've done for us. You've helped me keep up with my whole family's insurance and you've stayed on top of us this whole time. You've helped me and my wife have peace of mind for the just in case moments. You're always checking in to make sure everything's OK. I cannot tell you how much I appreciate that."
Anthony Forster
Verified Google Review
"So user friendly and so transparent with the information and all my questions. So thankful. Best agent I have worked with, amazing customer service. Highly recommend. Tom helped me with the best insurance needs for my situation."
Terri Parsley
Verified Google Review
"Tom was very helpful in finding the best insurance policy for my needs. He explained the possible options and allowed me to choose the one that best fits my needs."
Thomas Williams
Verified Google Review
"Lotz Agency has been incredibly professional in guiding me through the entire insurance process. They clearly articulated the terms and steps involved, making the experience smooth and stress-free."
Marios Stamatelopoulos
Verified Google Review
"Tom Lotz agency is outstanding. Tom has shown patience, integrity, knowledge and kindness while I was maneuvering toward my insurance purchase. I highly recommend Tom and his agency."
Pat Lindquist
Verified Google Review
A family-run agency built on integrity.
Founded in 2020, the Lotz Agency is a family-run insurance brokerage based in Fort Collins, Colorado. As part of Symmetry Financial Group powered by Quility, we have access to over 30 top-rated carriers to find the perfect fit for every family.
We intentionally work towards leaving people better than we found them — that includes our agents, clients, and business partners. We don't just offer policies; we take the time to fully understand your needs, budget, and concerns.
30+
Insurance Carriers
5+
Years Protecting Families
5.0
Google Rating
Meet Tom Lotz
Tom has spent over 25 years in sales and customer service. He holds a bachelor's degree in Math with an emphasis in Actuarial Science from the University of Northern Colorado.
He has a beautiful wife and two daughters, and is passionate about helping families protect their future with the right coverage.
Ready to protect your
family's future?
Get a personalized quote from 30+ top-rated carriers. No obligation, no pressure — just the right coverage for your family.