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Why Choose AZ Insurance Shop For Your Life Insurance?

Life Insurance is not always an easy topic but at AZ Insurance Shop we want to help you with any questions about Life Insurance. We are an independent insurance broker and work for you rather than the insurance company. This means we don't sell, or work, for any one life insurance company. We partner with various life insurance companies to bring you the best rates. We can help identify what assets you'd like to cover and how much coverage you'd like to have. From there, we do the shopping for you. We'll find insurance companies that fit within your needs along with the costs of the policies. Below are just a few reasons why you should get your  life insurance with us:

  1. You don't have to do any shopping, we do that for you. We just bring you coverage and cost comparisons making it easy for you to make decision
  2. You save time since we do the shopping. Who doesn't want more time back in their day?
  3. You save money. We get discounts that you can't get since we are insurance brokers. We pass that savings on to you!
  4. We don't charge a fee for our time or services, that's already worked out with our partnering insurance companies

What more can you ask for, we bring you savings you'll feel at the bank while saving you time. All this without a fee or money out of your pocket and for something you need every day anyways. Give us a call for your free quote!

What Is Life Insurance?

Typically, life insurance is chosen based on the needs and goals of the owner. Term life insurance generally provides protection for a set period of time, while permanent insurance, such as whole and universal life, provides lifetime coverage. It’s important to note that death benefits from all types of life insurance are generally income tax-free.

Common Life Insurance Definitions.

Term Life Insurance

Term Policies provide insurance for a specified period of time. This period is typically 10, 20 or even 30 years. If you die during this period, the company will pay the face value to your beneficiary. If you live past the term you selected, no benefit will be paid. Most term policies offer a death benefit with no savings or cash value.

If you are looking to buy the most life insurance for the least amount of money Term insurance may be the policy for you. Keep in mind that the price of term insurance increases as you get older. Term insurance policies will usually provide for a level death benefit and a level premium for the selected term.

When you buy term insurance you will need to decide how long you want the protection. Some term insurance policies can be converted to permanent insurance with no physical examination. If you do not pay the premium for your term insurance, it will usually lapse without cash value, as compared to a permanent policy that has cash value.

Universal Life Insurance
Whole Life Insurance
Variable Life Insurance

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