Life Insurance Flagstaff AZ

There are quite a few types of life insurance on the market today. The cost of a policy and the features it offers can vary tremendously depending on the type of insurance you choose. Here's a rundown of the major types of life insurance.

Benefit Logic, Inc
(623) 388-4328
1500 E. Cedar Ave.
Flagstaff, AZ
 
Charles Booth
2812 N Norwalk
Mesa, AZ
Company
Title: CPA, PFS
Company: Clarity Wealth Management
Type
Investment Advisor Rep: Yes
Education
Arizona State University
B.S. Accounting
1971
Years Experience
Years Experience: 10
Service
Life Insurance,Investment & Portfolio Management,Long-Term Health Care Planning,Annuity Ideas & Strategy Planning,Planning For Personal Finances & Budgeting,Retirement Income Accumulation Planning,Business Income Tax Planning,Fee-Only Comprehensive Financial Planning,Health Care Insurance,Retirement Planning,Real Estate Investment Planning,Commission-Only Financial Planning (Full Disclosure),Insurance & Risk Management Planning,Retirement Income Distribution Planning,Education Funding & Financia

Data Provided by:
Jeff Vogan
2929 N. Power Road, Ste 101
Mesa, AZ
Company
Title: RFC, IAR
Company: Premiere Retirement Planning
Service
Stock Market Alternative,Wealth Management,Annuities,Investment Consulting & Allocation Design,Retirement Income Distribution Planning,Individual Income Tax Planning,High Yield Bank Accounts,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Life Insurance,Investment & Portfolio Management,Estate Tax Planning,Asset Protection Strategies & Planning,Fee Only Portfolio Management,401k Rollover From Employer,Income for Life/ Preserve Principal,Alternative Investments,Retirement Planning,Annuity Idea

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:
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:
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

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:
Judy Tocco, CFP
6236 E. Pima Street
Tucson, AZ
Company
Title: CFP
Company: Tocco Financial Services
Type
Investment Advisor Rep: Yes
Education
Bachelors Degree in Business Management
Masters Degree in Organizational Management
Certified Financial Planner
Years Experience
Years Experience: 20+
Service
Portfolio Engineering,Income for Life/ Preserve Principal,Alternative Investments,Retirement Planning,Investment Consulting & Allocation Design,Retirement Income Accumulation Planning,Fee-Only Comprehensive Financial Planning,Fee Only Portfolio Management,IRA, 401k, Roth IRA, QDRO Rollovers,Wealth Management,Annuities,Long-Term Health Care Planning,Retirement Income Distribution Planning,Hourly Financial Planning Engagements,401k Rollover From Employer,CD Alternative,Life Insurance,Investment &

Data Provided by:
Scott L. Overstreet (RFC®), LUTCF
(602) 481-1948
PO Box 9052
Mesa, AZ
Company
Retirement Solutions
Qualifications
Education: AA, BS
Years of Experience: 15
Membership
IARFC
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Pension Planning, Executive Compensation Planning, Retirement Planning, Tax Returns, Employee Benefits, Stocks and Bonds, Mutual Funds, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Charitable Planning, BuySell, Compensation Plans

Data Provided by:
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Life Insurance

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Most people buy life insurance to replace income that would be lost if a wage earner passed away. Life insurance proceeds are tax-free, so it can also play a role in estate planning, cash accumulation, retirement funding, and the transfer of wealth to beneficiaries.

There are quite a few types of life insurance on the market today. The cost of a policy and the features it offers can vary tremendously depending on the type of insurance you choose. Here's a rundown of the major types of life insurance. (There are also differences between insurance companies. For example, not all companies will charge the same price for the same type of policy. So it's good to shop around.)

Term Life Insurance

Term life insurance covers you for a period of time you select (for example, 10 or 20 years) and pays benefits only if you die during the time you're covered. Term life is often referred to as temporary insurance. These policies do not accumulate cash value, which means if you do not die within the time you're covered, your estate does not collect any money from the policy when it ends. However, most companies offer conversion privileges to permanent policies, which means you can turn your term life policy into a "permanent" one under some circumstances. With permanent policies, a portion of your premium goes to building cash value with interest.

Benefits of term life policies:

  • They cost less than permanent insurance.

  • Proceeds are not taxable to your beneficiaries. They supplement employer-sponsored life plans, or older policies that may be inadequate due to inflation.

  • While in effect, you typically can convert to a permanent policy without evidence of insurability (that's an official statement proving you're an insurable risk).

  • You can buy a large amount of term insurance to complement your permanent policy.


Permanent Life Insurance
Permanent life insurance provides lifetime protection, and lets you build cash value over time. You can use your cash value to take out a loan for emergencies, fund a major purchase, or send children to college....

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