Life Insurance

Most people don’t like to think about life insurance. But it’s an important way to protect your family or a business partner.

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Whole Life always pays off, which makes it more expensive.
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Term Life gives you lots of insurance for a much lower cost. It protects you for 10, 20 or 30 years.
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Universal Life is somewhere in-between, both in price and protection.

There’s a place for each. It depends on your situation.
Life Insurance for Prescott, Flagstaff, Anthem, Phoenix, Northern and Central Arizona.

Let’s discuss what’s best for you. Call me now at 928.777.8736 or click here to email me.

I can give you quotes for all three kinds of life insurance and help you decide which is best for you!

TERM LIFE INSURANCE:
* Term Life is the most popular. It's great to cover the 20-30 years until your kids are grown and on their own.
* Term is good to pay off your mortgage,and it can be less expensive than mortgage insurance. If you move, you take the term life policy with you.
* Term has the same premium payment for the duration of the term. Then look out, 'cause it goes WAY up!

UNIVERSAL LIFE INSURANCE:
* Universal Life has a variable premium that you chose as you go along. The more you pay, the longer it lasts. Interest rates can affect it too.
* Universal has pretty much replaced whole life because it has such nice benefits for you.

WHOLE LIFE INSURANCE:
* Whole life is a good way to pre-pay burial/funeral expenses.
* Whole life can be used to move money to the next generation without paying inheritance taxes. Life insurance benefits are tax free.
* Whole life premiums never go up. You can have a policy that gets paid up and then you don't have to make any more payments.
* Whole life has a cash value, and you can borrow against it, or cash it out and cancel the policy.

Please contact me today for quotes and a personal insurance consultation!

Serving clients all over the USA from:
• Prescott
• Prescott Valley
• Chino Valley
• Flagstaff
• Anthem
• Phoenix
• Northern Arizona
• Central Arizona

Contact me Nancy Vargo, your Independent Insurance Agent today!