About Life Insurance Sedona AZ

While none of us like to think about our mortality, if you want to ensure that those you leave behind are financially comfortable then considering buying life cover is a necessity. Read below to learn more about life insurance in Sedona.

John J. Brooking (RFC®), CFP
(480) 967-3351
8905 Heather Dr
Tempe, AZ
Company
John J. Brooking & Associates
Qualifications
Education: BS, ASU W.P.Carey School of Business with a emphasis on Economics
Years of Experience: 49
Membership
IARFC
Services
Invoice, Estate Planning, Portfolio Management, Pension Planning, Retirement Planning, Mutual Funds, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Charitable Planning, Compensation Plans

Data Provided by:
Rick Willoughby
15022 S 40th Pl
Phoenix, AZ
Company
Title: AAMS, AWMA
Company: Symphony Financial Services LLC
Type
Investment Advisor Rep: Yes
Education
College for Financial Planning Accredited Asset Management Specialist
College for Financial Planning Accredited Wealth Management Advisor
Years Experience
Years Experience: 24
Service
High Yield Bank Accounts,401k Rollover From Employer,Income for Life/ Preserve Principal,Alternative Investments,Disability Insurance,Annuities,Alternative Asset Class Planning,Investment Consulting & Allocation Design,Business Succession & Liquidation Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Individual Income Tax Planning,Portfolio Engineering,Pension for Highly Compensated Owners,Stock Market Alternative,Reverse Mortgage,Medicaid,Life Insurance,Investment & Portfolio

Data Provided by:
Mr. Jeffrey D. Carter (RFC®), CSA, LUTCF
(623) 933-9500
10451 W. Palmeras Drive
Sun City, AZ
Company
Smart Financial Strategies, Inc.
Qualifications
Years of Experience: 22
Membership
IARFC, SCSA, NAIFA
Services
Invoice, Estate Planning, Trustee Service, Retirement Planning, Medicaid Planning, Tax Planning, Seminars Work, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Charitable Planning, Charitable Foundations, Asset Protection, Compensation Plans

Data Provided by:
Mr. Paul F. Arutt (RFC®), MBA
(602) 424-9991
3550 N. Central Avenue, Suite 1100
Phoenix, AZ
Company
Heritage West Capital Corporation
Qualifications
Education: MBA, Finance, Columbia University, New YorkBA, Economics, University of Southern California, Los Angeles
Years of Experience: 29
Membership
IARFC
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Pension Planning, Retirement Planning, Stocks and Bonds, Mutual Funds, Precious Metals, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Group Insurance, Asset Protection, BuySell, LiabCover, Compensation Plans

Data Provided by:
Greg Zale
4365 E. Pecos Rd #136
Gilbert, AZ
Company
Company: LPL Financial
Service
Pension for Highly Compensated Owners,Stock Market Alternative,Wealth Management,Life Insurance,Investment Consulting & Allocation Design,Insurance & Risk Management Planning,Asset Protection Strategies & Planning,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Health Care Insurance,Retirement Planning,Annuity Ideas & Strategy Planning,Retirement Income Accumulation Planning,401k Rollover From Employer,Income for Life/ Preserve Principal,Disability Insurance,Annuities,Commission-Only Financia

Data Provided by:
Jeffrey Biro
6900 E. Camelback Rd.
Scottsdale, AZ
Company
Title: President
Company: Family Wealth Advisors
Type
Investment Advisor Rep: Yes
Education
Double Bachelor's
Master's (abt)
Years Experience
Years Experience: 28
Service
Portfolio Engineering,Pension for Highly Compensated Owners,Stock Market Alternative,Wealth Management,Disability Insurance,Annuities,Alternative Asset Class Planning,Investment Consulting & Allocation Design,Business Succession & Liquidation Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Individual Income Tax Planning,Fee Only Portfolio Management,Mortgage Refinancing,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Medicare Planning,Life Insurance,Investment & Portfolio

Data Provided by:
Bryant Ridgway (RFC®), PHD
(520) 836-5421
1481 North Koenig Drive
Casa Grande, AZ
Company
Bryant Ridgway & Associates, LLC
Qualifications
Education: BA University of ArizonaMA Arizona State Univ.PhD Columbia Pacific Univ
Years of Experience: 15
Membership
IARFC, MDRT, NAIFA
Services
Invoice, Estate Planning, Business Planning, Executive Compensation Planning, Retirement Planning, Employee Benefits, Mutual Funds, Annuities, Life Insurance, Disability Income Insurance, Medical Insurance, Group Insurance, Charitable Planning, Healthcare Accounts, Charitable Foundations, Asset Protection, BuySell, Compensation Plans

Data Provided by:
Mr. Stuart J. Spivak (RFC®), LUTCF
480 556 9931, 610 668 7682
8160 E Butherus Dr #5
Scottsdale, AZ
Company
The Spivak Financial Group
Qualifications
Education: 1987 Graduate of Pennsylvania State University, State College, PA.
Years of Experience: 23
Membership
IARFC, MDRT, NAPFA, NAIFA
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Pension Planning, Executive Compensation Planning, Retirement Planning, Tax Planning, Seminars Work, Employee Benefits, Stocks and Bonds, Mutual Funds, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Education Plan, Healthcare Accounts, Asset Protection, BuySell

Data Provided by:
Mrs. Evelyn D. Driver (RFC®), CEP
(480) 344-7743
11715 North 114th Way
Scottsdale, AZ
Company
Independent Financial Group
Qualifications
Education: BS in Business Administration, Arizona State University, 1987
Years of Experience: 23
Membership
IARFC, NICEP
Services
Invoice, Estate Planning, Portfolio Management, Pension Planning, Retirement Planning, Seminars Work, Employee Benefits, Stocks and Bonds, Mutual Funds, Mortgage Loans, CommOptions, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Charitable Planning, Healthcare Accounts, BuySell, LiabCover

Data Provided by:
Tim Bryan
4835 E. Cactus Rd. #155
Scottsdale, AZ
Company
Title: Senior Financial Advisor
Company: Ameriprise Financial
Service
Retirement Planning,Insurance & Risk Management Planning,Fee-Only Comprehensive Financial Planning,Annuities,Investment Consulting & Allocation Design,Retirement Income Accumulation Planning,Life Insurance,Investment & Portfolio Management,Retirement Income Distribution Planning

Data Provided by:
Data Provided by:

About Life Insurance

While none of us like to think about our mortality, if you want to ensure that those you leave behind are financially comfortable then considering buying life cover is a necessity.

Certainly, looking on the internet for information and getting quote from a specialist life insurance broker is often the best way to go about taking out valuable security.

There are various forms of life cover and you have to decide first which the right choice for your circumstances is. Of the various types of life assurance, term life cover is probably the most common. In a nutshell, you choose how many years you want to be covered for and if you pass away during the policy term, you family would receive a tax free lump sum. However, the cover would not pay out if you were still alive when the cover ended.

So, why is life insurance so important? The majority of people believe life cover to be something that just pays towards the costs of their funeral. However, it is much more than that, it gives your family comfort financially so they can continue meeting essential bills such as the monthly mortgage repayment.

The benefit from the policy would allow your family to keep on top of the weekly/monthly bills that come into the home and removes the stress and worry over where to find the money at an already fraught time.

Of course, there is no need to pay more for the protection than you need to. Shopping around for the best deal you can get on life cover is essential and often the easiest way to do this is online with a website that searches among policy providers on your behalf. All you have to do is to check over the terms to ensure it is suitable for your needs – or speak to your broker.

Your premiums to some extent will be based on your health; this means that individuals of ideal weight for their height get cover for a lot cheaper than someone who is classed as being over their ideal weight. Take daily exercise and watch the diet and you could enjoy cheaper life security.

It should be noted that smokers and those individuals who like a drink will often have to pay more to insure their lives than someone who does not. To be classed as a non smoker you need to have given up the habit for at least 12 months before you go to buy your policy.

To decide how much you life cover you will need, multiply your yearly salary by around ten times. This will give you a starting point as to how much to insure your life for. Consider things such as how much it would cost to clear any outstanding debt such as a mortgage, any loans and credit cards. Would the money be used to put your children through higher education etc.

As we cannot predict what could happen in the future we do have to give some thought to protecting our lives against the fact that we could die at anytime. Life cover does just this and it does not have to be expensive.

David Thomson is Chief Executive of BestDealInsurance ( http://www.bestdealinsurance.co.uk ) an independent specialist broker dedicated to providing their clients with the best deal on their home, motor and life insurance.



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