A Bit About Us
Treeline Insurance started with a simple promise: put people first and keep insurance simple. Founded by Navy veteran Lyal Stephen, we’re a family-rooted agency serving clients throughout the Mountain West. Clients come to us for straight talk, competitive options, and follow-through you can count on. As a dad of two, Lyal builds plans the way he’d want them for his own family: clear, affordable, and reliable.
Our Simple Promise
Only What You Need
As a veteran-owned, family-rooted agency, we cut through the insurance jargon and hidden costs. Treeline builds plans that genuinely fit your real life—whether you're an employer with 50 staff or a family of four.
Only What You Need
We focus on the coverage that matters. Cut the extras, keep the cost low.
Fast, Competitive Quotes
We shop new markets and compare options quickly, so you don't have to.
Human Support, Real Quick
Get responsive help for claims, enrollments, and renewals. No call center scripts.
Bilingual Care
Friendly support available in English and Spanish for teams and families in CO & WY.
Our Mission
Help employers and families choose benefits with confidence; no hype, no hidden costs; so they can protect what matters and grow with peace of mind.
Our Testimonials
Hear from employers and families across the Mountain West who chose Treeline for straight-talk advice and reliable benefits.
Lyal is the kind of advisor you want—honest, reliable, and no-nonsense. He cut through the confusion and found us a level-funded plan that genuinely saves us money every month. Highly recommend this veteran-owned business.
Caleb P., Small Employer, Loveland
My wife and I needed health coverage after changing jobs, and the ACA marketplace was overwhelming. Lyal made it simple, got us a great rate, and we signed up in 15 minutes. Fast, clear guidance.
Jennifer B., Individual Client, Cheyenne, WY
As a company looking to switch brokers, the fast turnaround and direct answers from Treeline were a huge relief. Responsive service for claims and renewals has been game-changing for our HR team
Office Manager, Broomfield
Health insurance
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