Colorful Life & Legacy Logo
Colorful Life & Legacy Independent Life Insurance Agency
Benjamin Shattuck | (269) 665-1072
Galesburg, Michigan
Checking hours… | Hours Mon–Fri 8:30 AM–6:30 PM · Sat 10 AM–2 PM · Sun Closed
Custom Insurance Architecture

Secure Your Future with Independent Guidance

Hello and welcome! I'm Benjamin Shattuck, founder of Colorful Life & Legacy and a licensed independent life and health insurance producer in Michigan. As an independent advisor, I work entirely for you—not a captive corporate quota—to shop top carriers, strip away confusing fine print, and build clear, transparent protection tailored to your family's unique journey.

Call Direct: (269) 665-1072 Quote & Apply
An ornate vertical fantasy illustration for Colorful Life & Legacy. A sweeping, multicolored crystal-and-clockwork staircase spirals upward from a dark lower platform through a gnarled tree adorned with glowing crystals, emerging into an open gateway leading to a majestic steampunk airship docked at the top. In the background, a picturesque European-style alpine village features towers, stone buildings, and a mountain range under a twilight sky. Elegant filigree and mechanical clock gears frame the top and sides. At the top, bold text reads "Colorful Life & Legacy". At the bottom, text reads "Your fantasy of a secure future, realized".
Quote & Apply · Powered by BackNine

Your Quote, Your Way

Your story is unique, and your protection should be too. We've made it easy to explore your options across more than 150+ trusted carriers without any guesswork. Just walk through a few questions about your everyday health and habits at your own speed, see your tailored choices clearly laid out, and sign when you're ready. It's a complete, start-to-finish experience designed to keep you in control, powered by BackNine Insurance.

Independent guidance

Get support from an independent Michigan insurance professional.

Your pace, your choices

Review your options and decide what next step feels right for you.

Questions are welcome

Call (269) 665-1072 or Email Me anytime. See below for more communication options.

The Colorful Advantage & Core Services

Your goals are unique, and your coverage should be too. Discover how our independent flexibility and dedicated service provide complete protection for every stage of life.

Term & Whole Life

Reliable protection options customized to fit your immediate family needs and long-term financial security.

Mortgage Protection

Safeguard your home and build a lasting legacy for the people who matter most.

Personalized Solutions

Tailored policies designed specifically for your goals, with flexible communication options (phone, text, video, or email).

Lifelong Service

Ongoing, dedicated support and partnership through every stage of your changing journey.

Contact Us

Connect directly through your favorite social or messaging platform, or launch one of our convenient quote and scheduling tools below.

Facebook

ColorfulLifeLegacy

Visit Page

Messenger

ColorfulLifeLegacy

Chat Now

WhatsApp

269-665-1072

Send Message

Phone / Text

269-665-1072

Call / Text

Email

Benjamin@ColorfulLifeLegacy.com

Send Email

Do You Need a Custom Quote or Consultation?

Choose the path that works best for you. Each option connects you with the guidance or next step you need.

Quote & Apply

Answer health questions, compare available coverage, and complete your application in a self-guided process.

Start Quote & Apply

Send a Message

Have a question or want to get in touch? Send Benjamin a note and he will follow up with you directly.

Specialized Coverage & Health Quote

Get a personal review for specialized products or health needs, with carrier options tailored to your situation.

Schedule a Consultation

Book time to talk through your goals, questions, and coverage options with Benjamin.

Common Questions & Answers

Colorful Life & Legacy

Part I: Benjamin Shattuck & The Agency

1. Who owns and operates Colorful Life & Legacy?

The agency is owned and operated by Benjamin Shattuck, a licensed resident life and health insurance producer in Michigan.

2. What is your individual and agency license status?

Benjamin Shattuck holds Individual NPN 22327369, and Colorful Life & Legacy holds Agency NPN 22365930, fully verified through Michigan DIFS and NIPR.

3. Where is Colorful Life & Legacy located?

The agency is based in Galesburg, Michigan, with commercial mailing and privacy compliance managed through our Grand Rapids address.

4. Are you a captive agent or an independent advisor?

Benjamin is an independent producer. This means he does not work for a single corporate entity or captive quota—he works entirely for you to shop multiple carriers.

5. How do Rohrer & Associates and BackNine Insurance support your agency?

Our partnerships with Rohrer & Associates and BackNine Insurance support our work with case design, underwriting guidance, and access to a broad portfolio of insurance carriers.

6. How can clients get in touch with Benjamin directly?

You can call direct at (269) 665-1072, email Benjamin@ColorfulLifeLegacy.com, or schedule a direct online consultation via Calendly.

7. What inspired the name "Colorful Life & Legacy"?

The name reflects Benjamin's philosophy of helping clients "color in the details of a secure and brilliant tomorrow," celebrating life's vibrant milestones while building robust architectural protections.

8. What communication methods are available during consultations?

We offer flexible communication options tailored to your preference, including phone calls, text messaging, video conferences, and email correspondence.

9. Do you charge fees for initial consultations or quote requests?

No. Consultations, quotes, and policy reviews are completely free with zero sales pressure or obligation.

10. What states is Colorful Life & Legacy licensed to serve?

Our home base and primary operations are licensed in Michigan, with strategic plans for future multi-state expansion.

Part II: Life Insurance Fundamentals & Policies

1. What is the main difference between Term and Permanent life insurance?

Term life provides affordable protection for a specific timeframe (e.g., 10 to 40 years), whereas permanent/whole life provides lifelong coverage and builds cash value.

2. What are standard terms available for term life insurance?

Term lengths are typically structured in 10, 20, 30, or 40-year increments depending on your family and financial milestones.

3. How is term life insurance commonly used for mortgage protection?

Term policies are frequently matched to the duration of a mortgage (such as a 30-year loan) so that if the unexpected happens, your family receives a tax-free benefit to pay off the home balance.

4. What other common needs does term life insurance cover?

Term life is widely used for income replacement during child-rearing years, covering college tuition funds, and clearing personal debts or auto loans.

5. What is a policy rider?

A policy rider is an optional provision or amendment attached to an insurance contract that customizes, expands, or modifies your base coverage.

6. Do riders increase your insurance premium?

Yes. Because riders provide extra benefits, flexibility, or added protections, each rider typically comes with an incremental increase in your overall premium.

7. What does the Waiver of Premium rider do?

It waives your monthly premium payments if you experience a total disability and become unable to work.

8. What is an Accelerated Death Benefit rider?

It allows you to access a portion of your policy's death benefit early if you are diagnosed with a qualifying terminal or critical illness.

9. How does a Convertibility Rider work on a term policy?

It gives you the option to convert your term policy into a permanent whole life policy later in life without needing to undergo a new medical exam.

10. What is cash value accumulation in permanent life insurance?

Permanent policies build a tax-deferred savings component over time that can be borrowed against or utilized for future financial needs.

11. What is a Paid-Up Additions (PUA) rider?

It allows you to pay extra premium dollars to purchase additional paid-up insurance, rapidly accelerating cash value growth and total death benefit.

12. What does a Medicare Supplement plan do?

It bridges financial gaps left behind by standard Medicare by paying for out-of-pocket costs like copays, coinsurance, and deductibles.

13. Why consider Long-Term Care insurance?

It provides coverage for home nursing or professional assisted living, protecting your retirement nest egg from rising medical expenses.

14. How do Critical Illness plans operate?

They provide financial support through a significant health crisis with a direct cash payment upon diagnosis, helping cover daily living costs like food or rent.

15. Do I need a medical exam to get an insurance quote?

Not necessarily! While formal underwriting may require an exam depending on age and coverage amounts, many policies offer simplified issue pathways without exams.

Products & Services Overview

Colorful Life & Legacy

Term Life Insurance

Reliable Protection for Key Years: Secure a financial safety net for your beneficiaries during the years they need it most, such as while raising children, paying off a mortgage, or covering college tuition. Term policies are frequently used for mortgage protection to ensure your family can keep their home if the unexpected happens, as well as for income replacement and debt coverage.

Affordable Premiums: Gain substantial coverage at a cost-effective rate, ensuring your family is protected without straining your current budget.

Terms are typically 10, 20, 30, or 40 years.

Term Life - Policy Riders

A policy rider is an optional add-on provision or amendment attached to an insurance contract that customizes, expands, or modifies your base coverage to fit your specific needs.

Because a rider provides extra benefits, flexibility, or added protection, each rider typically comes with an increase in your overall premium to account for the additional coverage.

  • Waiver of Premium: Waives your monthly premium payments if you become totally disabled and unable to work.
  • Accelerated Death Benefit: Allows you to access a portion of your death benefit early if you are diagnosed with a qualifying terminal illness.
  • Child Term Rider: Provides temporary life insurance coverage for your children under a single policy.
  • Return of Premium: Refunds a portion or all of the premiums you paid if you outlive the term period (though this typically increases the cost of the base policy).
  • Convertibility Rider: Gives you the option to convert your term policy into a permanent whole life policy later on without needing to undergo a new medical exam.

Permanent / Whole Life Insurance

Lifelong Security: Enjoy guaranteed coverage for your entire life, provided premiums are paid, offering a permanent solution for final expenses and legacy planning.

Cash Value Accumulation: Build a savings component within the policy that grows tax-deferred over time, which can be borrowed against or utilized for future financial needs.

Whole Life - Policy Riders

A policy rider is an optional add-on provision or amendment attached to an insurance contract that customizes, expands, or modifies your base coverage to fit your specific needs.

Because a rider provides extra benefits, flexibility, or added protection, each rider typically comes with an increase in your overall premium to account for the additional coverage.

  • Paid-Up Additions (PUA) Rider: Allows you to pay extra premium dollars to purchase additional paid-up insurance, which rapidly accelerates your cash value growth and increases your total death benefit.
  • Waiver of Premium: Keeps your policy active by waiving the premium payments if you suffer a total disability.
  • Accelerated Death Benefit: Gives you access to a portion of the death benefit early if you face a qualifying terminal or critical illness.
  • Guaranteed Insurability Rider: Gives you the right to purchase additional amounts of permanent coverage at specified future dates without undergoing medical underwriting.
  • Accidental Death Benefit Rider: Provides an additional payout to your beneficiaries if your death results from an accident.

Medicare Supplement Plans

Keep your retirement colorful and worry-free by bridging the financial gaps often left behind by standard Medicare.

  • Pay for out-of-pocket costs like copays and deductibles
  • Enjoy the freedom to visit any doctor that takes Medicare
  • Get predictable health costs with easy-to-manage premiums
  • Gain extra peace of mind and protection for your savings

Long-Term Care Plans

Prepare for the future with coverage that adapts to your needs and preserves your savings.

  • Coverage for home nursing or professional assisted living
  • Safeguards your retirement nest egg from rising medical costs
  • Provides dignity and personal choice in your elder care
  • Ideal for individuals wanting to maintain financial autonomy

Critical Illness Plans

Gain financial support through a significant health crisis with a direct cash payment.

  • Receive a full settlement after diagnosis
  • Pay for essential living costs like food or rent
  • Reduce financial pressure throughout your recovery
  • Perfect for supplementing high-deductible insurance

About Ben & The Agency

Colorful Life & Legacy

Welcome, and thank you for visiting Colorful Life & Legacy. I built this About page to share the story and philosophy behind my independent practice. My goal is simple: to pull back the curtain on the insurance industry so you feel completely confident, informed, and supported by a local advocate who puts your family first.

A Sense of Purpose

Honestly, before I entered this industry, I viewed insurance the way a lot of people do: as a confusing, intimidating chore filled with fine print I didn't want to read. But as I dove into studying it—and navigating the early realities of the field—everything changed. Early on, I encountered environments where corporate pressures and shortcuts conflicted with what truly mattered: doing right by the client. Walking away from those situations only strengthened my resolve.

It was that pivotal realization that solidified my path. If you'll pardon the cliché; I felt like I had been training my whole life for this role. So, I have committed to building an agency rooted in absolute integrity, transparency, and a client-first standard.

Growing up in Michigan, surrounded by so many amazing people, not to mention our diverse wildlife, deep woods, and breathtaking natural beauty like our waterfalls and shoreline, I’ve always felt a deep-seated duty to look out for others. I realized that insurance isn’t just dry paperwork; it’s a form of architecture designed to protect everything a family works so hard to build.

Guidance Without the Guesswork

Feeling overwhelmed by coverage options is completely normal—but navigating them alone shouldn't be. I am here to take the guesswork and friction completely out of the equation.

  • Zero Judgment: Ask any question, big or small. You will never get the runaround or confusing sales pressure here.
  • Absolute Confidence: Together, we will strip away the confusion so you can walk away knowing your family's future is securely protected.

Building a Brilliant Tomorrow

When building Colorful Life & Legacy, I intentionally stepped away from the traditional, stark look of the financial world. Why so much brilliant color? Because the future you are working toward is dynamic, multifaceted, and full of life. Just like an artist uses a full palette to bring a vision to life, I believe protecting your security should feel vibrant, hopeful, and deeply personal. It's about making sure your hard work supports a future that is just as bright and vivid as you envision it.

Backed by Strength

As a licensed life, accident, and health producer, I don't work for a single corporate entity or captive quota—I work for you. Through my partnerships with Rohrer & Associates and BackNine Insurance, I can draw on case-design support, underwriting guidance, and access to a broad portfolio of insurance carriers. This means you get the flexibility of an independent local advisor backed by major industry strength.

Send Me a Message

Share your contact details and let me know what you need help with. I will get back to you directly as soon as possible.

By submitting this form, you consent to receive calls, texts, or emails from Colorful Life & Legacy regarding your inquiry.

Specialized Coverage & Health Quote

Colorful Life & Legacy

Looking for a Tailored Approach or Have Specific Health Needs?

Standard instant quotes don't always capture the whole picture. If you are looking for a specialized product, or if you've navigated health conditions that require a bit more personalized attention, this path is designed for you.

Insurance underwriting varies significantly from one carrier to another. Instead of relying on a one-size-fits-all calculator, take a few moments to share your background with us here. As your dedicated independent advisor, I will personally review your unique situation, shop our network of top-rated carriers to find the most accommodating underwriting guidelines, and build a protection plan tailored precisely to your life.

Your information is kept strictly confidential and is used solely to advocate for your best rates.

Step 1 of 5: General & Personal Details 20% Completed

1 General & Personal Details

Required

Privacy Policy

Last Updated: October 2026

1. Information We Collect

To provide personalized insurance consulting and process insurance applications, we collect several types of information:

  • Personal Identifiable Information (PII): Name, date of birth, Social Security number, driver’s license number, mailing address, email address, and phone number.
  • Health & Medical Information (PHI): Health history, pre-existing conditions, prescription medication details, family medical history, and lifestyle factors (e.g., tobacco or nicotine use), including answers you choose to provide through the Quote & Apply widget powered by BackNine Insurance.
  • Financial Information: Income, banking details, or payment card information required for policy premiums and underwriting evaluations.
  • Technical & Usage Data: Basic technical information may be processed by providers that deliver and protect this website. Optional analytics are not currently configured; any future analytics tools must follow the choices you save in Cookie Settings.

2. How We Use Your Information

We use the information we collect to:

  • Provide virtual insurance consultations and quotes.
  • Match you with appropriate insurance carriers and policy options (including Simplified and Guaranteed Issue life insurance).
  • Assist you in completing and submitting insurance applications to partner insurance underwriters.
  • Communicate with you regarding your policies, inquiries, administrative updates, and agency announcements.
  • Comply with legal, regulatory, and insurance industry obligations.

3. How We Share Your Information

We share your personal and health information strictly on a need-to-know basis with trusted financial institution partners, independent marketing organizations and insurance partners (such as Rohrer & Associates and BackNine Insurance), and licensed insurance underwriters solely for the purpose of quoting, underwriting, and issuing your requested coverage lines.

4. Confidentiality of Health & Medical Data

We treat health-related disclosures with the highest level of care. Medical information you choose to provide through intake forms, video consultations, or the BackNine Insurance Quote & Apply widget may be used for quoting, underwriting evaluation, and policy placement.

  • Routine, non-material health events (such as short-term minor illnesses like the common cold or flu) are not submitted to carriers unless required by specific application questions.
  • Major medical conditions, ongoing treatments, prescription histories, and tobacco/nicotine usage are disclosed accurately to carrier underwriters to ensure policy validity.

5. Security of Your Information

We implement industry-standard physical, technical, and administrative security measures designed to protect your sensitive personal and medical data against unauthorized access, alteration, disclosure, or destruction. However, please note that no method of transmission over the Internet or electronic storage is 100% secure.

6. Your Choices & Rights

You maintain full control over your personal records with the right to:

  • Review, update, or correct the personal information we hold about you.
  • Opt out of receiving promotional or marketing communications from us at any time.
  • Request clarification on how your data is processed or shared with specific insurance carriers.
  • Change or withdraw optional website-service consent using the Cookie Settings control at the bottom-left of the page.

7. Cookies & Optional Website Services

The site stores your consent choices in this browser for up to 180 days. Essential storage is used to remember those choices. Functional consent allows the site to load EmailJS for form delivery and Calendly for appointment scheduling; these third-party services may process information you submit or provide directly to them under their own privacy terms. The Quote & Apply widget is provided by BackNine Insurance; information you choose to enter there, including health and lifestyle answers, is handled by BackNine and relevant insurance providers to deliver quoting and application services. Review any provider privacy notices presented in the widget before submitting information.

Analytics and advertising tags are not currently configured on this page. If those tools are added, the site should load them only according to your saved choices.

Use Cookie Settings at the bottom-left to change your choices. Withdrawing consent prevents the site from invoking optional services going forward, but cannot undo information already submitted to a provider or remove data that provider has already collected.

8. Third-Party Websites & Virtual Platforms

Our website or virtual consultation platforms may contain links to third-party tools or insurance carrier portals. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party platform you visit.

9. Updates to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, technology, or legal requirements. Updated versions will be posted on this page with an updated "Last Updated" date.

Legal Notice & Terms of Use

Last Updated: October 2, 2026

Welcome to the website of Colorful Life & Legacy ("Agency," "we," "us," or "our"). By accessing or using this website (the "Site"), you agree to comply with and be bound by the following Legal Notice and Terms of Use. If you do not agree to these terms, please do not use this Site.

1. Licensing & Producer Disclosures

  • Licensed Insurance Entity: Colorful Life & Legacy is a licensed independent insurance agency operating under the laws of the State of Michigan.
  • State Operations: Insurance products and services offered through this Site are intended solely for residents of jurisdictions where the Agency and its designated producers are properly licensed to conduct business. Nothing on this Site should be construed as a solicitation, offer, or sale of insurance in any state or jurisdiction where such activity would be unlawful prior to registration or qualification.
  • Independent Agency Status: Colorful Life & Legacy acts as an independent insurance agency representing various third-party insurance carriers. The Agency is not an insurance underwriting company and does not directly issue policies or underwrite risk.

2. Informational Purposes Only & Non-Binding Quotes

  • No Contract or Coverage Bound: Content provided on this Site—including articles, guides, quote tools, policy illustrations, and cost estimates—is for general informational purposes only. Requesting a quote, submitting an intake form, or viewing policy options does not constitute an offer of insurance, nor does it bind, alter, or establish insurance coverage.
  • Underwriting & Policy Approval: Insurance coverage is subject to formal application, carrier underwriting guidelines, medical evaluation (where applicable), and final approval and policy issuance by the respective insurance underwriting company. Premium rates and policy terms displayed on the Site are estimates and are subject to change based on full underwriting evaluation.

3. Professional Advice Disclaimer

The information provided on this Site does not, and is not intended to, constitute legal, tax, accounting, or formal financial planning advice. Visitors should consult with qualified legal, tax, or financial professionals regarding their individual circumstances before making decisions regarding estate planning, tax implications, or financial strategies related to life and health insurance products.

4. Third-Party Trademarks & Carrier Logos

All carrier names, product titles, logos, and registered trademarks displayed on this Site belong to their respective corporate owners. Use of these names, trademarks, or logos does not imply an endorsement, sponsorship, or affiliation beyond standard independent agency distribution agreements.

5. Website Intellectual Property

All content on this Site—including text, graphics, logos, images, design layouts, and software—is the property of Colorful Life & Legacy or its content suppliers and is protected by applicable copyright, trademark, and intellectual property laws. Unauthorized copying, distribution, or commercial exploitation of Site content is strictly prohibited.

6. Limitation of Liability

To the fullest extent permitted by applicable law, Colorful Life & Legacy, its officers, employees, and agents shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your access to, use of, or inability to use this Site or any errors or omissions in its content.

7. Communications & TCPA Consent

By submitting your contact information through any inquiry or quote request form on this Site, you acknowledge and agree that Colorful Life & Legacy may contact you via telephone, email, or text message regarding your request. You understand that consent is not a condition of purchasing any product or service.

8. External Links

This Site may contain links to third-party websites or resources for your convenience. Colorful Life & Legacy has no control over the content, privacy policies, or practices of external sites and assumes no responsibility for them.

9. Contact Information

If you have any questions regarding this Legal Notice or the practices of this Site, please contact us at:

Colorful Life & Legacy
6670 Kalamazoo Ave SE, Suite D Unit 1042
Grand Rapids, MI 49508
Phone: (269) 665-1072