Life insurance,
made simple.

Because the people you love are worth protecting.

At TimeShift Life, I help families across Colorado and eight other states understand their life insurance options, ask better questions, and make confident decisions about their future — with no pressure and no jargon.

Let's Talk →Learn About Life Insurance

Protect My Family

Make sure the people you love are taken care of.

Learn more →

Protect My Income

Help keep your family's plans on track if the unexpected happens.

Learn more →

Protect My Business

Plan ahead for partners, key people, and what comes next.

Learn more →

Carriers I work with

I compare options from trusted, top-rated insurance companies to find the right fit for your family.

  • Mutual of Omaha
  • Foresters Financial
  • Transamerica

Logos are trademarks of their respective owners and are shown to identify carriers Sam is appointed with. Product availability varies by carrier and state.

Sam Cardenas, founder of TimeShift Life

Hey, I'm Sam!

Founder. Family guy. Your life insurance guide.

I started TimeShift Life to make life insurance simple, approachable, and actually helpful. This isn't just business for me — it's personal. I believe in honest conversations, clear options, and helping you protect what matters most.

  • Real conversations
  • No pressure
  • Clear options
  • A brighter tomorrow
Meet Me →My Credentials →
Sam's nephew in a suit and sunglasses
Next Generation.
Bigger Dreams.
Baby wearing pink heart-shaped sunglasses
Big Personalities.
Bright Futures.
Family making silly faces together
Same Crew.
Different Adventures.
Family portrait styled like an album cover
Family. Always
in Style.

Verify before we talk.

Meet your licensed insurance agent. I encourage every client to check my credentials with the official lookups first.

Verify My Credentials →Schedule a Meeting →

Sam Cardenas · NPN 22357818

Licensed in 9 states CO resident

CO · AL · AR · FL · IL · MI · SC · TN · TX

View licensing information →

Ask TimeShift

Your friendly life insurance guide.

Have a question? Ask our assistant anything about the basics or the what-ifs. Clear answers, no sales pitch.

💬 Start a Chat
Do I actually need life insurance? What's the difference between term and whole life? Why do people get denied? How much coverage should I consider?
Good Questions.
Brighter Futures.

The TimeShift Family

One name, a few passions. TimeShift Life is the first of the TimeShift family of businesses.

You are here

TimeShift Life

Life insurance, made simple.

Coming soon

TimeShift IT

Technology support for small businesses.

Coming soon

DJ TimeShift

Old-School Soul. New-School Voltage.

Want to help families like yours?

I'm growing the TimeShift team. Licensed agents and motivated newcomers welcome. Every applicant starts with a one-on-one conversation.

Join the Team →Our Partners