Life insurance can be a confusing product but it’s also a critical part of a complete financial plan. Making sure your children, spouse, parents and business partners are protected from financial difficulties when you’ve died is a high priority to many people.
But, just like doing their own taxes or going to the dentist, many people procrastinate on buying life insurance. One reason is because it can be confusing. And, frankly, it isn’t any fun.
Everything You Need
To Know About Life Insurance
Wouldn’t it be nice if someone would just explain life insurance to you without trying to sell you a policy? That’s how Lynn Marble and his team are different from other agents. They’ll take the time to explain how life insurance can fit you, rather than you fitting life insurance.
You’ll be welcomed into Lynn’s office to talk about your needs, not his. And you won’t be pressured into buying anything. What a concept! Treating people with respect and answering their questions about life insurance.
Get a Quick & Easy Way To Take aLook Into Your Financial Future
Determine if you are on track for a successful retirement
There are a variety of tax benefits that come with a life insurance policy, as some are tax deductible, and death benefit payouts are generally tax free. Call us today to learn more!
Having the financial security to care for your family after your passing is critical, and our Phoenix life insurance agency can help give you the peace of mind you deserve.
Life Insurance Retirement Planning
With help from our life insurance agents in Phoenix, you can have the financial confidence & security you need to start your retirement planning right away.
Depending on the type of policy you acquire, it may come with a cash value that allows you to borrow against the accumulated funds. Contact us to learn more about the policies we offer!
Types Of Life Insurance We Provide
Lynn and his team can consult with you about all of these types of life insurance policies
Term Life Insurance
Term life insurance is a life insurance policy that provides coverage for a limited period of time. It comes with a smaller initial premium and is typically purchased in large amounts to help with your short term goals. Consult with our Phoenix life insurance agents to see if this coverage is right for you.
Provides coverage for a limited time period (term), as long as premiums are paid
Provides a death benefit, but typically no cash value
Initially, less expensive form of life insurance
May be renewable or convertible
Whole Life Insurance
Also known as traditional life insurance, whole life insurance is a permanent type of insurance that gives you lifetime coverage and consistent premiums throughout the policy. This type of coverage also offers a guaranteed return on your policy’s cash value.
Provides lifetime coverage, as long as premiums are paid
Cash value accumulates over time and creates an asset which may be used during your lifetime
Level premiums for the length of the policy.
May offer flexible premium payments
Universal Life Insurance
This is another type of permanent life insurance, and it comes with the additional benefit of having a savings and investment element. While some contain a flexible premium option, some require single or fixed premiums. Speak with our Phoenix insurance agents today to learn more.
Policyholders can borrow against the cash value with no tax implications
Offers both a death benefit and cash value element
Your savings will accumulate throughout the life of the policy
Only beneficiaries receive the death benefit
Variable Universal Life Insurance
Variable universal life insurance offers lifelong protection for your family so long as premiums are paid. Like universal life insurance, premiums are flexible. There is also a flexible death benefit, and the investment variety can be attractive to many policyholders.
Premiums are fully adjustable and flexible
You can increase your death benefit over time
You can borrow against the cash value, but there may be tax obligations
It comes with a variety of investment options
Individual & Joint Life Insurance
At Phoenix Health & Life insurance, our trusted life insurance agents in Arizona provide individual and joint life insurance for those looking to obtain coverage through a variety of policies that we provide. Contact our team today to get started.
Business & Employee Life Insurance
Our team of top-rated Phoenix life insurance agents can help you find the right business and employee life insurance to help fit your needs. Choose from a wide range of policies and benefits to help achieve a wide range of financial goals and objectives.
When You’re Ready to Buy Life Insurance
Don’t buy life insurance without an agent. The risks are too great and it doesn’t cost you a single penny more to use a life insurance agent than it does to buy a policy direct from an insurer. But getting the help, knowledge, and long-term relationship of someone like Frank Stevens is invaluable.
He’ll make sure you get the right type of policy today, and when your needs change in the future he’ll make sure your coverage changes accordingly.
Frank Stevens is a licensed life insurance professional. He’s been approved by the Arizona Department of Insurance to sell all types of life insurance policies. Just like a doctor or a lawyer, Frank Stevens has credentials and education specifically for life insurance that make him your best choice when you’re ready to buy life insurance in Phoenix.
Phoenix’s Reliable Life Insurance Agents & Services
As a responsible parent or spouse, you do a lot of little things to help the ones you love. Life insurance can be one more way you take care of them. Life insurance makes it easier for your loved-ones to transition into their lives without you.
Providing for your family and business partners with life insurance means leaving cash in a bank account. Think about how much different that is than leaving equity in a house or shares in a business? Your son or daughter can’t go to an ATM and withdraw $100 from your home’s equity. But he or she can withdraw cash from your life insurance policy.
Frank and his team, your Phoenix life insurance agents, will assure that happens.
They’ll be the ones who make sure the insurance company processes the claim quickly, and they’ll deliver the claim check personally; so your wife or husband doesn’t have to struggle to pay the bills after you’ve died.
A lot people can say they have life insurance, but few can say they have a life insurance agent. A relationship with a professional life insurance agent is a long-term relationship that you’ll benefit from in many ways over the years. Get Lynn Marble and the Phoenix Health and Life Insurance Agency, your Phoenix life insurance agents, on your team.
When you purchase term life insurance, you will pay a premium for a set period of time, and if you die during that period, your beneficiaries will receive a cash benefit. Speak with our life insurance agency in Phoenix to learn if this is the right policy for you.
How much life insurance you purchase depends entirely on your unique situation. Our Phoenix life insurance agents can help determine how much is right for you and which policies will best fit your needs.
Depending on your life insurance coverage, your life insurance will last as long as premiums are paid, or until your passing. With term life insurance, you will have coverage for a set amount of time (so long as premiums are current) until you renew your policy at the end of each term.
When you apply for whole life insurance, a variety of factors will determine your premium. As long as your premium is paid, your life insurance policy will remain in effect until you pass. Your beneficiary will then be paid the death benefit agreed upon in the initial signing of the policy agreement.
Lynn Marble took the time to sit down and explain every detail of our insurance plan. Saved our family a ton of money and bettered our coverage. I would not hesitate to recommend Lynn to everyone I know.