Life Insurance Agency in Scottsdale, AZ
Discover how we can use life insurance as a part of your retirement plan to help you to retire securely.
Life Insurance in Scottsdale, AZ
Are you looking to add life insurance as a part of your retirement portfolio, but don't know where to get started? Call our life insurance specialists, local in Scottsdale, and we can help you to choose the coverage that is right for your situation.
Why Purchase Life Insurance?
Life insurance is a simple contract between a life insurance agency and a customer that defines what will happen if the customer passes. The contract will clearly outline the obligations of both the customer and the agency. Generally, this involves you, the customer, agreeing to pay a premium and the life insurance agency agrees to pay a specific amount to a beneficiary under certain circumstances - generally, this is at the time of death of the policyholder. Luckily, you will have our team of experts to help you to understand the policies and to choose what is best for your specific situation.
Term or Universal Life Insurance?
There are two main categories of life insurance - term life insurance and universal or whole life insurance.
Term Life Insurance means that you agree to a specific amount of time where the insurance policy will be valid. You will pay for the insurance for the specific term and the insurance will cover you only during that time frame.
Whole Life, or Universal Life, Insurance is guaranteed for the policy holder's entire life. There are several advantages to universal life insurance including the ability to access funds and it can also provide tax advantages.
There are benefits to term and universal life insurance. The best way for you to decide what is right for your unique situation is to speak to one of our life insurance experts today.
Why Should You Purchase Life Insurance Instead of Another Investment?
This all depends on your unique situation. Each investment vehicle has different benefits and choosing the right investment options requires understanding your situation. If you want to make the best choice, talk to one of our experienced financial planners and they can help you to choose what is best for you.
Do I Need Life Insurance?
In our humble opinion, everyone needs life insurance and the peace of mind that it brings. Talk to us to find out why, and what plan would be right for you.
Why Does Everyone Need Life Insurance?
- At the minimum, keep in mind that a funeral will cost thousands of dollars which a grieving family should not have to worry about.
- Any children still living at home need to be taken care of financially.
- Outstanding debts, such as a mortgage, car loan, or credit cards need to be paid off.
These are just a few of the reasons that many of our clients purchase life insurance. You can learn more about the life insurance options that are available to you by contacting IQ Wealth Management's life insurance agency.
Have a no-cost, no obligation conversation with an experienced adviser and fiduciary.
Steve accepts 4 to 8 new clients per month in order to serve each with optimal attention and personal service.
Free Retirement Readiness Review
Learn more about the IQ Wealth proven approach to practical planning. To arrange your free review, please contact Barb at (480)902-3333, or email: Barb@IQWealth.com
Get access to our helpful retirement kit, which includes three guides that address topics you should consider when planning your retirement.