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.

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:
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:
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:
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:
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:
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:
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:
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:
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:
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:
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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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