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.
Coverage for every stage of life.
With access to 30+ top-rated carriers, we find the right coverage for your family and your budget.
Term Life
Affordable, fixed-premium coverage for a set number of years. A great fit for protecting a mortgage, income, or a child's education.
Get a QuoteWhole Life
Lifelong coverage with premiums that never change and cash value that builds over time and can be accessed later in life.
Get a QuoteUniversal / IUL
Flexible premiums and adjustable coverage, with cash value growth tied to a market index and a floor that protects against market losses.
Get a QuoteMortgage Protection
Designed to help cover your mortgage if the unexpected happens, so your family can stay in the home you worked for.
Get a QuoteFinal Expense
Peace of mind knowing funeral, memorial, cremation, and burial costs are planned for, so your loved ones aren't left with the bill.
Get a QuoteWhat 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 right 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 is a former Division I tennis player at the University of Northern Colorado, where he earned his bachelor's degree in Math with an emphasis in Actuarial Science. He went on to spend over 25 years in sales and customer service before founding the Lotz Agency.
He and his wife Shannon have two daughters, including a Division I track athlete at Colorado State, and he's 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.