Benefits of Term Life Insurance Flagstaff AZ

There are two basic types of life insurance: term life insurance, where you choose the coverage amount and length of the policy; and whole or permanent life insurance (of which there are many variations), which combines an investment product with life insurance.

Benefit Logic, Inc
(623) 388-4328
1500 E. Cedar Ave.
Flagstaff, AZ
 
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:
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:
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:
Jeff P. Vogan (RFC®), CSA
(480) 355-5245
2929 N Power Road Suite 101
Mesa, AZ
Company
Premiere Advantage
Qualifications
Education: BS
Years of Experience: 19
Membership
IARFC, FPA, SCSA, NAIFA
Services
Invoice, Estate Planning, Pension Planning, Executive Compensation Planning, Retirement Planning, Medicaid Planning, Tax Planning, Seminars Work, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Charitable Planning, Charitable Foundations, Asset Protection, Compensation Plans

Data Provided by:
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:
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:
Mr. Lance Andrew McGraw (RFC®)
(480) 703-6087
1423 S Higley Rd # 128
Mesa, AZ
Company
McGraw Custom Financial Solutions LLC
Qualifications
Education: Weber State UniversityKaplan UniversityCalifornia Coast University
Years of Experience: 12
Membership
IARFC
Services
Invoice, Estate Planning, Retirement Planning, Medicaid Planning, Tax Planning, Tax Returns, Seminars Work, Annuities, Life Insurance, Long Term Care Insurance, Auto Home Insurance, Charitable Planning, Education Plan, Asset Protection, Compensation Plans

Data Provided by:
Michael Cross
3875 N. 44th Street
Phoenix, AZ
Company
Title: Investment Advisor Representative
Company: Cross Financial
Type
Investment Advisor Rep: Yes
Education
Arizona State University
Years Experience
Years Experience: 13
Service
Long-Term Health Care Planning,Annuity Ideas & Strategy Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Fee-Only Comprehensive Financial Planning,401k Rollover From Employer,CD Alternative,Disability Insurance,Annuities,Alternative Asset Class Planning,Commission-Only Financial Planning (Full Disclosure),Planning For Personal Finances & Budgeting,Retirement Income Accumulation Planning,Business Income Tax Planning,Fee Only Portfolio Management,Income for Life/ Preserve Princi

Data Provided by:
Mr. Jeffrey J. Biro (RFC®), CEP
(480) 969-5667
6900 E. Camelback Road, Suite A-39
Scottsdale, AZ
Company
Family Wealth Advisors
Qualifications
Education: BA, MA(abt)
Years of Experience: 30
Membership
IARFC, MDRT, FPA, SFSP, NAIFA, GAMA, NICEP
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Trustee Service, Pension Planning, Executive Compensation Planning, Retirement Planning, Medicaid Planning, Tax Planning, Seminars Work, Employee Benefits, Mutual Funds, Mortgage Loans, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Auto Home Insurance, Charitable Planning, Education Plan, LiabCover, Compensation Plans

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Benefits of Term Life Insurance

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Many people may not realize that an affordable alternative to costly permanent life insurance policies even exists. They hear of the often steep rates that come with a permanent (or whole) life insurance policy, and think they cannot afford life insurance, and may consequently leave their loved ones uncovered. But an affordable alternative does exist, and that is term life insurance.

There are two basic types of life insurance: term life insurance, where you choose the coverage amount and length of the policy; and whole or permanent life insurance (of which there are many variations), which combines an investment product with life insurance.

Below are some of the advantages to buying term life insurance:

  • Whole life insurance is expensive, due mainly to its investment aspect, while term life insurance is very affordable. Whole life insurance policies often cost thousands of dollars a year, as opposed to the mere hundreds of dollars a year that the majority of term life insurance policies cost consumers. For example, if you are a healthy, non-smoking 35 year old male, you can get 10-year, $100,000 term life insurance policy for as little as $8.50 a month (or as little as $8.08 a month for a comparable female)*.

  • Term life insurance is simple to understand, and allows for personal choice. You pay a (low) monthly premium based on the term length and amount of coverage you choose. That's it. Simple. You can choose term lengths such as 10, 20 or 30 years, and coverage amounts anywhere from $100,000 to several million dollars.

  • You can invest your hard-earned money yourself, rather than having an insurance company do it for you (which is what happens with whole life insurance). Insurance companies are often very conservative with how they invest your money. If you are at all savvy in investing, or good at saving, the extra money a whole life insurance policy costs may not be for you. Instead, buy a cheaper term life policy, and invest the money you saved yourself.

  • Term life insurance is good for short term needs. Two good examples of this are to cover your children's college education and to cover your mortgage. Parents could buy a policy that expires after their children graduate from college to ensure that the full education is paid for (in case anything happened to the parents). Or, the main breadwinner in a house could buy a term policy that matches the length of his or her home's mortgage.

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