Term Life Insurance for Smokers Sedona AZ

Often times smokers underestimate their potential for obtaining term life insurance at affordable prices, let alone adequate coverage levels. Although smokers indeed pay more for term life insurance, there is generally a unique policy for almost every budget, every lifestyle, and every stage of life. For smokers though, the need for comparison shopping for the best policy is everything, as underwriting criteria and rates for smokers can differ drastically from company to company.

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:
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:
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:
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:
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:
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:
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:
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:
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. 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:
Data Provided by:

Term Life Insurance for Smokers

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Often times smokers underestimate their potential for obtaining term life insurance at affordable prices, let alone adequate coverage levels. Although smokers indeed pay more for term life insurance, there is generally a unique policy for almost every budget, every lifestyle, and every stage of life. For smokers though, the need for comparison shopping for the best policy is everything, as underwriting criteria and rates for smokers can differ drastically from company to company.

As Far as Term Life Insurance Carriers are Concerned: Who is Considered a Smoker?
Insurance companies classify smokers differently based on their tobacco consumption. Some companies differentiate between moderate and heavy usage, and charge moderate users less. Other companies use the classification of "standard" or "preferred" tobacco users, where smokers will generally fall into the preferred category if they smoke but are otherwise healthy with regard to their weight, blood pressure, and cholesterol.

Those who recently quit may qualify for non-smoker rates, depending on the insurer's guidelines for how long a consumer must be tobacco-free. There are policies that offer graduated scales, with rates that drop the longer a person remains tobacco-free - sometimes reaching non-smoking rates in the course of a year.

Medical Exams and Term Life Insurance
The process of applying for a term life insurance policy generally requires a medical examination that verifies the information provided by the applicant (height, weight, blood pressure, etc.). In order to identify tobacco users, most insurance companies administer a test that measures their body's level of cotidine (byproduct of nicotine) in their urine or saliva. ...

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