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What is Arizona Life Insurance?
Compare Arizona Life Insurance Plans to Ensure Your Family and Loved Ones are Looked After…
Life insurance is one of the most important forms of insurance and, regrettably, it is also one of the most overlooked. There is a saying, “If every wife knew what every widow knows, no husband would be without life insurance.”
Your income is important for the well-being and protection of your family. If the unforeseen and unthinkable happens, who will take care of them? Arizona life insurance plans are the way to take care of your family if you can’t. You have insurance to protect your home, your cars, and your other assets, make sure you protect your ability to provide for your family if you aren’t around.
Frequently Asked Questions
As a general rule, if you are the primary provider for your dependents (a spouse, children, or aging parents), then you should have life insurance to provide for them financially if something happens to you. Also, if you have debts that another person will have to assume, like a mortgage or student loan debts, it’s wise to have life insurance.
In general terms, a term life insurance policy is only issued for a specified term of time, such as 5, 10, 15, 20 or 30 years. It only provides a death benefit if you die within in the term. It is the most affordable type of life insurance and it is easy to get. Term life insurance becomes more expensive as you age.
On the other hand, a whole life policy covers you for life and provides a death benefit and also a cash value accumulation that builds over the years that you hold the policy. It is usually more expensive than a term policy and usually requires a health examination.
A qualified life insurance agent can help you decide which kind of policy will be best for you and your situation.
There are several ways to decide how much life insurance you should have, but one of the easiest and best ways is to do a “needs analysis” and determine how much money your dependents would need if you were no longer providing income. Think about this in terms of monthly expenses and debts, and also long-term expenses like future education costs.
Many employers offer life insurance to their employees as part of a benefits package. The amount of the policy is usually a multiple of your salary, up to a limit (usually 1-3 times your salary). This may be sufficient for your needs or you may want to supplement this amount with an additional policy. You should keep in mind that if you leave your employer, this provided life insurance coverage will lapse and so it is a good idea to have a backup policy to the employer insurance.
Why Choose Us?
Your home, family, and assets are important to you. Choose an insurance agency that cares about protecting them as much as you do.
We have access to dozens of carriers to get you the right policy at the best price
We live and work where you do and understand the market options available
100+ Combined experience
Our brokers have the expertise to know exactly what coverage you need
We are not captive to any product or policy
It is important to us that our clients are happy, and protected
Our Trusted Insurance Partners:
What Our Clients Have to Say…
Jen with IPA has been very helpful
Jen with IPA has been very helpful in working with me to select the best coverage at the best rate for our 3 cars. She is friendly, professional, and most of all response to my calls/e-mails in a timely manner.
Kim Iverson was fabulous to work
Kim Iverson was fabulous to work with in finding the best rate for my car insurance. She continued to follow up with me, answering questions to ensure my needs were being met. I’ve recommended her to my friends.
Chris was more than helpful!!
Chris was more than helpful!! Not only did he find me a lower rate per month, but I now have a $0 deductible for glass coverage and also a better insurance company with Progressive! I couldn’t be more thrilled to find someone local from my hometown and he was able to help me save! Thank you again much appreciated! So glad I found him from Mesa Roots FB page!!
She listens to what your desires are
Kim is a great agent. She listens to what your desires are and then finds the best match for you. Year after year she is able to find me the rates for all my coverage needs! I would highly recommend Kim for your insurance needs.
I met Kim years ago at a conference
I met Kim years ago at a conference and we have stayed in touch. I had some clients moving to her area so referred her over and my clients are THRILLED. They loved the experience with her, her professionalism, her ability to work with them long distance and her patience while they went in/out of contract on a couple places.
He obtained what he exactly want
We came to IPA with a request for quotes on auto, golf cart, and home insurance. Our contact was Chris Thomas and we were more than happy with his response, all in a very timely and professional manner. He obtained exactly what we needed and got coverages bound in less than 48 hours from our initial phone call.
Customer Service is Alive and Well at IPA!
Customer Service is Alive and Well at IPA!! This morning I had a question about my business insurance policy renewal and reached out to Kirsten Walters at Insurance Professionals of Arizona. No matter how busy she might be, Kirsten always focuses 100% on your issue, taking as much time as necessary to fully address the matter.
Honestly, I had been having issues
Honestly, I had been having issues with my previous insurance company and the UPS guy that visits my work regularly told me about this place. I called, spoke to CHRIS THOMAS and he was the best person to speak to! He was very easy to talk to and made everything simple and fast. Getting a quote and signing up was super easy and smooth! Thank you Chris!
They treat me like family
They treat me like family and are always available. Even though I live in Texas, they’ve found me the best rates every year for home and auto. I’ve been so satisfied that I referred my own kids and mother to them. I look forward to working with Porter and Dixie for years to come.
5.0 star ratings