Coverage
Life insurance
Life insurance is the one line where the question is not what something costs to replace but what an income is worth over the years it would have been earned. We start from the obligations that would outlive you — a mortgage, childcare, income replacement, final expenses — and work back to a number, rather than starting from a premium and seeing what it buys.
What this coverage generally includes
- Term life, typically 10, 15, 20 or 30 years
- Whole life and other permanent cover
- Final expense policies
- Riders: accelerated death benefit, waiver of premium, child riders
- Mortgage protection sized to the balance and the term
- Key person and buy-sell cover for a business
What we will ask you
- Who depends on your income, and for how long they would need to
- Your mortgage balance and any other debt that would not disappear
- Any cover you already have through work, and whether it is portable
- Your general health, and whether you use tobacco
Worth knowing
- Group cover through an employer usually ends when the job does, and it is rarely enough on its own.
- Term is far cheaper than permanent for the same death benefit. Which is right depends on how long the need lasts, not on which is cheaper.
- Most policies need a health questionnaire, and some need a medical exam. Rates are better the younger and healthier you are when you apply.
Descriptions of coverage on this site are general summaries for information only. They are not an offer of insurance, not a contract, and not a guarantee of coverage or price. Only the policy issued by the insurance company determines what is covered. Coverage, availability, discounts and eligibility vary by carrier and by applicant and are subject to underwriting.
Other coverage we place
- AutoLiability, collision and comprehensive cover for the cars your household actually drives.
- HomeCover for the structure, your belongings, and the liability of owning a home.
- CondoThe walls-in coverage your association master policy does not provide, plus your liability.
- RentersYour belongings and your liability. Inexpensive, and the one most renters skip.
- MotorcycleBikes, ATVs, UTVs and dirt bikes, including the gear and the custom parts.
- PetHelp with veterinary bills for accidents, illness and, on some plans, routine care.
- BusinessGeneral liability, commercial property, commercial auto and workers compensation for Arizona businesses.
- Umbrella & specialtyExcess liability above your home and auto limits, plus the vehicles and risks a standard policy leaves out.
Get a quote, and a straight answer
Tell us what you have now and what you are worried about. We will compare the carriers we work with and walk you through the differences.