Colorado doesn't generate the same national headlines as Oklahoma or Kansas, but the eastern plains and suburban corridors stretching south and east of Denver sit in a zone that sees rotating storms capable of producing tornadoes, large hail, and damaging straight-line winds season after season.

Meteorologists and emergency management officials point to late spring through early summer as the most active period for severe weather across the state. And forecasters are clear about one thing: you can't count on last year's calm to repeat itself. Soil moisture, snowpack, and shifting jet stream patterns all shape how active any given spring turns out to be.

What a Serious Storm Event Can Cost a Family

Most Families Plan For

• ✓ Emergency Kit Water, flashlights, first aid
• ✓ Shelter Plan Interior walls, basement
• ✓ Weather Alerts Phone notifications on

What Often Gets Overlooked

• ? Temporary Housing Costs Weeks or months of hotel stays
• ? Vehicle Replacement Hail and debris total cars
• ? Income Replacement If a breadwinner is lost

How Financially Storm-Ready Is Your Household?

Four quick questions. Honest answers only.

When did you last review your life insurance coverage?

• In the past year — Great habit. Now make sure the coverage amount still reflects your life as it is today.
• 1–3 years ago — A lot can change in a few years — income, dependents, debts. Worth a fresh look.
• More than 3 years ago — That's a common gap. Policies that made sense then may leave your family short now.
• Never, or I'm not sure — You're not alone — but this is exactly the right time to start. Prudential makes it straightforward.

If your income disappeared suddenly, how long could your family manage financially?

• More than a year — A solid cushion. Make sure life insurance is part of that picture alongside savings.
• 6–12 months — That runway sounds reasonable, but it can shrink fast with housing, debts, and daily costs.
• A few months — A few months goes quickly. Life insurance is designed exactly for this gap.
• Less than a month — That's a vulnerable position. Exploring coverage options now could make an enormous difference.

Has your life changed significantly since your last coverage review?

• No major changes — Consistency is good. A quick check still confirms your policy is holding up.
• Income went up or down — Income changes often mean your coverage amount needs a corresponding adjustment.
• New dependent or family member — Adding a dependent is one of the most important triggers to revisit your coverage.
• New mortgage or major debt — A major new debt changes the calculation significantly. Your family would inherit that burden.

If you left your job tomorrow, would you still have life insurance?

• Yes — I have a personal policy — Smart. Employer plans disappear with the job. A personal policy travels with you.
• Not sure — I think my employer covers me — Employer coverage typically ends when employment does. Worth confirming what you actually have.
• No — my only coverage is through work — This is one of the most common coverage gaps. A personal policy fills it, often for less than you'd expect.
• I have no coverage at all — Now is a genuinely good time to explore options. Prudential's tools make it easy to see what fits.

Life insurance is one of those things that feels abstract right up until it matters enormously. It's not about predicting disaster — it's about making sure the people who depend on you have a foundation to stand on if the unthinkable happens.

The weeks before storm season kicks into full gear are genuinely good timing to take stock of where you stand. Not in a panic — just the way a thoughtful homeowner checks smoke detectors in the fall.

It's not about predicting disaster — it's about making sure the people who depend on you have a foundation to stand on if the unthinkable happens.Prudential Financial

Employer Coverage vs. Personal Policy

Three Steps to Take Before Storm Season Peaks

1. Take stock of what you have — Pull out your current policy documents — or check with HR if you only have employer coverage. Write down the coverage amount and who is listed as beneficiary.
2. Check if your life still matches your coverage — New child? Higher mortgage? Income change? Any of these mean your old coverage amount may leave your family short. Do the math honestly.
3. Have a real conversation about the gaps — Prudential's advisors help real people understand their options clearly — without pressure and without jargon. Start at Prudential.com whenever you're ready.

Prudential By the Numbers

• 145+ — Years in Business
• 50M+ — People Served
• AAA — Financial Strength
• No — Jargon. No Pressure.

Check Your Coverage Before the Storm

• Explore Your Options at Prudential.com: Prudential has spent more than 145 years helping people think through their coverage — clearly, without pressure, and without jargon. Take a few quiet minutes now, before the first severe weather watch scrolls across your screen.
• Storm Season Prep: Colorado sees dozens of confirmed tornadoes in an average year. The eastern plains and suburban corridors south and east of Denver are in a corridor of risk. The preparation part — including the financial part — is entirely up to you.

Why Colorado Families Should Pay Attention This Season

Colorado doesn't always make national headlines the way Oklahoma or Kansas do, but the state sees dozens of confirmed tornadoes in an average year — and some touch down uncomfortably close to populated areas along the I-25 corridor.

Forecasters note that no two seasons are identical. Soil moisture, snowpack, and shifting jet stream patterns all play a role in how active any given spring turns out to be. What that means practically for Front Range residents is simple: you can't count on last year's calm to repeat itself.

Meteorologists and emergency management officials point to the stretch from late spring through early summer as the most active period. The eastern plains and the suburban corridors stretching south and east of Denver sit in a zone that sees rotating storms capable of producing tornadoes, large hail, and damaging straight-line winds.

The storm season will arrive on its own schedule. The preparation part — including the financial part — is entirely up to you.

This content is sponsored by Prudential. Prudential Financial, Inc. is a financial services company headquartered in Newark, NJ.