Low Cost Life Insurance Flagstaff AZ

Low cost life insurance, of course, is a relative description, but to a very great extent, all life insurance these days is relatively low cost. Read on and learn more.

Benefit Logic, Inc
(623) 388-4328
1500 E. Cedar Ave.
Flagstaff, AZ
 
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:
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:
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 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:
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:
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. 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:
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:
Anthony Del Pozzo
8149 N. 87th Place
Scottsdale, AZ
Company
Title: LPL Financial Advisor
Company: Vista Financial Group
Type
Investment Advisor Rep: Yes
Education
St. John's University
The American College
Years Experience
Years Experience: 22
Service
Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,Income for Life/ Preserve Principal,Alternative Investments,Retirement Planning,Long-Term Health Care Planning,Estate Tax Planning,Asset Protection Strategies & Planning,IRA, 401k, Roth IRA, QDRO Rollovers,Wealth Management,Annuities,Alternative Asset Class Planning,Insurance & Risk Management Planning,Retirement Income Accumulation Planning,Fee-Only Comprehensive Financial Planning,CD Alternative,Life Insurance,I

Data Provided by:
Data Provided by:

Low Cost Life Insurance

Low cost life insurance, of course, is a relative description, but to a very great extent, all life insurance these days is relatively low cost. Thanks to intensive internet marketing, which has considerably widen the sales potential, and keen competition amongst providers, life insurance is now cheaper even in real terms than it has been for the past decade or so.

Nevertheless, if lowering the cost of the premiums is an important consideration, there are still a number of ways in which you can do this.

As with many purchases, buying the most affordable life insurance relies on choosing the most appropriate product for your needs. For example, if the main reason for your needing life insurance is to ensure that your family have the balance of a repayment mortgage paid off in the event of your death, then you might want to consider a decreasing term life insurance rather than the standard level term life insurance. Just as the name suggests, decreasing term life insurance is written with a steadily decreasing lump sum benefit payable in the event of death during the term of the life cover. Because this steadily reduces the risk to which the insurer is exposed, then premiums are also cheaper than the constant sum assured under a level term life insurance policy. Perfectly adequate protection for the repayment mortgage continues to be ensured, however, since the outstanding balance on the mortgage debt will be decreasing at a similar rate.

An important point to remember about life insurance is that it is cheaper the earlier you start – i.e. the younger you are. Although your age will provide another route to securing low cost life insurance, however, this is often a time when there is little spare cash in the young family's budget. If that is the case, however, there is always the option of starting life cover at a cheaper rate and steadily increasing the premiums and cover as the family's income increases over time. The choice, then, would be for increasing term life insurance, where premiums and the cover assured will increase by predetermined increments each year that the policy runs.

On a similar theme, you might have the intention some time in the future of taking advantage of using life insurance as a long term investment opportunity by way of a whole of life or endowment policy. Although this could prove too costly on your present income, it would nevertheless be possible to buy convertible term life insurance that can be converted into the desired whole of life or endowment policy at the end of the current term, generally without having to submit further medical reports.

Though many of the products currently available are already – almost by definition low cost life insurance – there are a number of options for making the immediate premiums still more affordable. By starting at an early age you will gain yourself a head start, with cost effective premiums and still reserve the options for increasing your overall level of cover slightly later in life, when your circumstances allow.

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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