Low Cost Life Insurance Sedona 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.

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:
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. Daniel J. Trotta (RFC®), MBA
(480) 626-8089
10105 E Via Linda Dr #103-324
Scottsdale, AZ
Company
Choice Benefits Inc.
Qualifications
Education: MA.Ed, University of Phoenix;MBA, Roosevelt University; BBA, Walsh College;AAS, Scottsdale Community College
Years of Experience: 16
Membership
IARFC
Services
Invoice, Estate Planning, Business Planning, Pension Planning, Retirement Planning, Tax Planning, Seminars Work, Employee Benefits, Stocks and Bonds, Mutual Funds, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Business Coach, Charitable Planning, Education Plan, Healthcare Accounts, BuySell

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:
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:
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:
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 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:
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:
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.



Provided by ZingArticles.com