Independent Insurance Agency serving Arizona for over 30 years.
2410 E. Route 66
Flagstaff, AZ 86004
11225 N. 28th Dr. Ste-D
Phoenix, AZ 85029
Mountain Valley Insurance
4672 Maverick Ln.
Lakeside, AZ 85929
355 Main St.
Camp Verde, AZ 86322
Whole Life Insurance
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If you’re the kind of person who likes predictability over time, Whole Life insurance might be right for you. It provides you with the certainty of a guaranteed amount of death benefit and a guaranteed rate of return on your cash values. You’ll also have a level premium that is guaranteed to never increase for life. Another valuable benefit of a participating Whole Life policy is the opportunity to earn dividends. While your policy’s guarantees provide you with a minimum death benefit and cash value, dividends give you the opportunity to receive an enhanced death benefit and cash value growth. Dividends are a way for the company to share part of its favorable results with policyholders. When you purchase a participating policy, it is expected that you will receive dividends after the second policy year – but they are not guaranteed. Dividends, if left in the policy, can provide an offset (and more) to the eroding effects of inflation on your coverage amount.
Final Expense Plans
A special type of Whole Life Insurance policy that is used to help families pay for any final expenses once an elderly loved one has passed away. Funeral and burial costs, probate fees, leftover medical bills or other debts are just a few examples of some of the expenses that can be an additional burden to a surviving spouse or family member after suffering a loss. Final expense plans are structured to be affordable and have more flexible underwriting requirements to make it easier for seniors who may have health conditions to get the protection they need to reduce the burden on their loved ones when they pass away.
Final Expense plans are permanent whole life policies which mean that the premiums never go up and they will stay in force until a life event occurs. These plans accumulate cash value so the owner can opt to surrender the policy after a minimum of 3 years to receive that accumulated amount.
Contact us today to explore the Whole Life insurance options available from the wide variety of carriers we represent.
Why choose us?