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How Surprise, AZ, Residents Can Protect Themselves From Financial Ruin

Posted by on Jan, 2021 in Insurance | 0 comments

Many individuals have experienced situations in their life that have ruined them financially. Even if it did not completely ruin them financially, it threw them off-track for a long time. Here are a few tips to help individuals protect themselves from financial problems. One of the most important things you can do is have an emergency fund. This will protect you in case you lose your job, experience an illness, or have some other difficult circumstance that arises unexpectedly. Having access to this emergency fund will prevent you from using credit cards or getting loans to pay your mortgage and take care of other basic expenses. Setting up a budget is essential. You need to take a realistic look at your income and expenses. Discuss a budget with your family. Talk about the importance of sticking to it and...

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Reasons to Use Services From a Professional Insurance Advisor in Arizona

Posted by on Dec, 2020 in Insurance Agency | 0 comments

Are you nearly reaching retirement age? Have you been doing your research on the types of things you may need when you begin this new phase in your life? Have you thought about different types of insurance like Medicare and life and are beginning to feel overwhelmed? If you answered yes to any of these questions, then here are two reasons why you should consider seeking the services of a professional advisor. Informed Decisions As mentioned, you are beginning to feel overwhelmed just thinking about all the aspects and types of health and life insurance available for retirees, like yourself. One of the main reasons why you should consider seeking professional advising services is so that they can help you make informed decisions. This means they will have the expertise and experience to ensure you acquire the right insurance...

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2 Reasons Why You May Want and Need Medigap Insurance in Arizona

Posted by on Dec, 2020 in Insurance Agency | 0 comments

Did you become eligible for Medicare and have been using Medicare benefits and services for over a year? Are you now noticing the 20 percent you are responsible for is starting to take its toll on your budget? Are you wondering what you can do to reduce costs without losing coverage? If so, then you may want or need a Medicare Supplement or Medigap policy. Here’s why. Costs One of the main reasons why you may need a Medicare Supplement policy is to help you with your out-of-pocket healthcare costs. As mentioned, you are concerned about your cost-sharing obligations when it comes to Medicare. A Medigap policy will help reduce costs as it is a type of policy that will help pay for copayments, coinsurance, and deductibles. Renewable Another reason why you may want or need a Medicare Supplement...

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Three Major Benefits of the Right Life Insurance Policy in Arizona

Posted by on Sep, 2020 in Insurance | 0 comments

Nobody expects to pass away tomorrow, but you never know what could happen. You value your family’s financial wellbeing, but if you don’t have life insurance, then your family may be burdened with a series of hefty bills if you pass away unexpectedly. Naturally, you don’t want this to happen, so if you don’t already have a great life insurance policy, then check out these three major reasons to get life insurance in Peoria, AZ. Cover Costs Caskets, cremations, and funerals can be incredibly expensive. If you don’t have life insurance, then your family may have to cover these expenses. You don’t want your family members to have to deal with a series of expensive bills while they’re grieving, so it’s a good idea to get life insurance to make it easier for your loved ones. Peace of Mind...

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4 Types of Life Insurance Policies for Families in Peoria, AZ

Posted by on Mar, 2020 in Insurance Agency | 0 comments

Life insurance helps you feel at peace knowing that your family will be cared for after you pass away. Here are four types of life insurance policies that may suit your needs. Whole Life Insurance A whole life insurance policy in Peoria, AZ, lasts over the course of your lifetime. You can include a death benefit in the policy or allow for a tax-deferred savings account structure that includes interest. Whole life insurance policies are among the most expensive options. Term Life Insurance Unlike whole life policies, term life insurance policies expire after a set period of time. This is the easiest and most affordable option for life insurance. The policy can be effective for up to 30 years or longer. Universal Life Insurance Universal life insurance offers you the greatest flexibility in your coverage. With whole life and...

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