Life Insurance Policies Flagstaff AZ

Are you looking to buy a life insurance policy? Which type of policy will be the best for you? This may hinge upon what you are able to pay, how much coverage you need in addition to the length of insurance coverage. Spend some time browsing around for the best deal.

Benefit Logic, Inc
(623) 388-4328
1500 E. Cedar Ave.
Flagstaff, AZ
 
Victoria Coletti (RFC®), CFP
(520) 818-9416
38702 S Starwood Drive
Tucson, AZ
Company
Design Capital Planning Group, Inc.
Qualifications
Education: AA
Membership
IARFC
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Retirement Planning, Tax Planning, Tax Returns, Seminars Work, Mortgage Loans, Collectable Coins , Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Compensation Plans

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:
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. 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:
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:
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:
Ray Cerimeli
960 Oxford Lane
Chandler, AZ
Company
Title: Financial Service Consultant
Service
Disability Insurance,Annuities,Alternative Asset Class Planning,Investment Consulting & Allocation Design,Insurance & Risk Management Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,Life Insurance,Investment & Portfolio Management,Long-Term Health Care Planning,Business Succession & Liquidation Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Individual Income Tax Planning,Health Care Insurance,Retirement Planning,Real Estate Investm

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:
David Gray
17550 North Perimeter Drive
Scottsdale, AZ
Company
Title: Wealth Advisor
Company: LPL Financial / Buttonwood Financial Partners
Type
Investment Advisor Rep: Yes
Education
Tulane University 1985-1986
Southern Methodist University-Cox School of Business BBA 1986-1989
Babson College-Franklin W. Olin Graduate School of Business MBA 1994-1996
Years Experience
Years Experience: 16
Service
Fee-Only Comprehensive Financial Planning,Portfolio Engineering,IRA, 401k, Roth IRA, QDRO Rollovers,Life Insurance,Investment & Portfolio Management,Retirement Income Distribution Planning,Hourly Financial Planning Engagements,Fee Only Portfolio Management,401k Rollover From Employer,Alternative Investments,Retirement Planning,Commission-Only Financial Planning (Full Disclosure),Education Funding & Financial Aid Planning,Pension for Highly Compensated Owners,Wealth Management,Annuities,Investmen

Data Provided by:
Data Provided by:

Life Insurance Policies

Are you looking to buy a life insurance policy? Which type of policy will be the best for you? This may hinge upon what you are able to pay, how much coverage you need in addition to the length of insurance coverage. Spend some time browsing around for the best deal.

In order to receive life insurance coverage, you make payments called premiums to an insurance company. This company promises to pay your beneficiaries a death benefit when you pass away.

You have two options regarding the duration of insurance coverage. You can buy life insurance that protects you for a limited time period or that covers you until you die.

The cheapest coverage type is usually term insurance. You are able to buy assurance for a duration of say one year, five years or ten years. If you die during a specified term your appointed beneficiaries will collect a death benefit. If you survive a specified term the policy ceases and no payout is made.

A decreasing term life insurance policy is set up so that its face value decreases annually. In this way you receive the most coverage at the beginning of the policy and very little coverage at the end of its term.

Term insurance is typically less expensive because the premiums are lower than those of whole life assurance. Term life insurance works best when its duration is confined to a maximum of about ten years. Also, term policies do not gather a cash value that you can borrow against in the form of a policy loan.

Cash value policies combine a death benefit with tax deferred savings. A portion of the premiums you pay piles up as a cash reserve. If you surrender the policy, you can get the cash reserve back. If you should die, the beneficiaries get the death benefit. Cash value insurance may be divided into whole life and universal life insurance.

Whole life is the most traditional type. The policy premiums stay the same for the length of the policy. The policy covers you until you die. It also hoards up a cash reserve. However, you have no power over how the money is invested.

Universal life is a more flexible policy type. You are able to change the amount of the premium by applying a part of the collected savings to help cover the costs. You are also able to increase the amount of the death benefit while the policy is active. However, this flexibility will cost you more money to implement.

There is normally a guaranteed rate of return on the savings portion for the first year of coverage. There is also a minimum in place for the duration of the policy.

You cannot borrow money against a term policy, since it does not gather a cash reserve. If you have a cash value policy, you may be able to borrow against the cash reserve. Loan rates on cash value policies are usually lower than the current market values. However, if you do not pay back the loan then the owed amount is subtracted from the death benefit disbursed at your death. Your beneficiaries will therefore receive less.

Life insurance may be available to you as part of your employee benefits. If not, then you may contact an insurance broker or financial planner to help you with finding the best life insurance policy for your needs. You may need to compare a few policies before selecting the right one for you.

Copyright 2008 - Dan Theron. Free whole term life insurance quotes online. http://freewholetermlifeinsurancequotesonline.com/ Life insurance coverage lawyer. http://lifeinsurancecoveragelawyer.com/



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