Hello and Welcome!
I am Gary Brown. We are an Arizona Insurance Broker offering Arizona Life Insurance for auto, home and life coverage.
Arizona has been my home for 27 years. This is my 18th year in the insurance business and it keeps getting better and better.
I have great clients and want to be your trusted insurance advisor, too.
Please call us for a quote at (480) 659-0229.
We compare Arizona Life Insurance with numerous top rated and leading insurance carriers to find you great rates!
A.M. Best: A-
Mapfre Insurance Company was founded in 1933. They are a Fortune 500 Global insurance carrier with an international presence in countries such as United States, Spain, Latin America, Europe and Turkey. They were named Best Primary insurance company in Latin America two consecutive years. They have a customer service and claims office in Gilbert, Arizona.
A.M. Best: A+
Founded in 1810, The Hartford is one of the largest investment and insurance companies based in the United States, ranking 78th on the 2006 Fortune 100 list. The Hartford is one of Business Week’s top 50 performers and a top 10 property and casualty insurer.
A.M. Best: A-
Fidelity is ranked 248 on the Fortune 500, and is a nationwideprovider of insurance policies, such as homeowners, auto, flood, and umbrella. They landed on Fortune’s list of most admired companies and in 2004 were named as one of America’s best managed companies. They offer Arizona Auto Insurance, Arizona Home Insurance and other insurance products.
A.M. Best: A
Traveler’s is the second largest writer of U.S. personal insurance through independent agents, with approximately 14,000 independent agencies and brokerages countrywide. They are now # 85 on the Fortune 500 list of largest U.S. companies (2005).
A.M. Best: A
Safeco startled the established insurance industry in 1923 when it organized as a company in Seattle, Washington, far from the recognized insurance centers at the time, located in Northeast. In 2004, Safeco sold its life and investment operations to focus solely on property and casualty insurance. In 1998 Safeco secured the naming rights to the Seattle Mariner baseball park.
A.M. Best: A+
Progressive Insurance Company was formed in 1937 and today is one of the most successful and innovating insurance companies in America. In 1971, Progressive Insurance went public and that move helped fuel much of their tremendous growth. In 1995, Progressive Insurance became the first major insurer to have a website.
A.M. Best: A+
The origins of MetLife go back to 1863 when a group of New York City businessmen raised $100,000 to found the National Union Life and Limb Insurance Company. The business catered to Civil War sailors and soldiers. In a reorganization the firm’s name was changed to Metropolitan Life Insurance Company. By 1909 MetLife became the nation’s largest life insurer in the United States, a position they hold today. MetLife is also becoming one of America’s leading Auto and Home insurance carriers.
A.M. Best: "A" rated (excellent)
Badger Mutual Insurance has been in business for over 120 years. They specialize in helping drivers with clean or fairly clean driving records pay less. Their Arizona Home Insurance rates are some of the most cometitive in all of Arizona.
If you are searching for low rates on Arizona Auto Insurance and Arizona Homeowners Insurance give Badger Mutual Insurance a try by asking us to provide you with a quote. We offer competitive Arizona Insurance.
A.M. Best: A+
AIG, a worldwide insurance company, supports many charities throughout the world, such as Unicef and selected children’s charities. It supports many other charities, such as the Homers for Kids program, in association with the New York Mets. This program donates $250 each time a Mets player hits a home run.
Arizona Life Insurance
·
Phoenix Life Insurance
·
Tucson Life Insurance
Buying life insurance is not high on the list of America’s favorite pasttimes. I think more often than not, we just don’t know an agent we trust well enough to guide us through the process.
Most people probably feel under-educated on life insurance and simply do not know the right questions to ask and making an informed decision may seem difficult.
Let’s make it easy
Generally speaking, there are TWO types of life insurance: Term and Permanent. Let us walk through the difference between both kinds.
TERM LIFE INSURANCE – Is sold typically as 10 year term, 20 year term, and 30 year term. With most carriers, the premium will stay the same for the duration of the term, then go up. For example, if you buy a ten year term, the rate locks in through the tenth year. Then it increases.
Think of it as renting an apartment versus buying a home. When you rent, the monthly payment locks in for the duration of the lease. When the lease is up, the owner can increase the rate. Term insurance also does not accumulate value, or cash. If you drop the coverage at some point, you do not get money back.
Term insurance usually ends at a set age too, usually by age 75.
On the plus side, term is typically cheaper but not a very good long range solution to life insurance.
PERMANENT LIFE INSURANCE – Locks in a rate today for the rest of your life. Permanent life insurance will cost you more money per month to own initially but saves you money in the long run. It’s like buying a house. You have to put a higher down payment and your monthly premium is typically higher than renting. But you own it. The premium locks in today for the remainder of your life.
While some one who rents faces a increasing payment, home owners have the peace of mind knowing that their payments stay the same. It is the same for life insurance.
You build equity in a permanent policy. If you sell the house some day, you get money back. Permanent life insurance is the same. If you cancel down the road, you will get some money back, usually. It is possible to get all your money back in some cases.
The main benefit is locking in a premium today for the rest of your life.
How much life insurance
Advertisements on television suggest you buy 7-10 times your income. You can do that or make your decision any number of ways. One method I’ve seen is for families to add up all their debt. Then decide how much money a surviving spouse would need on an annual basis for a set length of time. Finally, add in funeral costs and they arrive at a number. There is probably no wrong way of buying life insurance.
Locking in your great health
One factor most people totally neglect to consider when they are looking at life insurance - protecting their insurability. On occasion people will want to wait before buying life insurance. Waiting for what, I am not sure. But consider this – if you are in good health and qualify for a Preferred Arizona Life Insurance policy today, what would happen if you suddenly found out you had cancer, or something less severe such as high cholestrol, which can lead to heart disease and other illnesses.
Your interest in buying life insurance might suddently increase. The problem is, now you may not qualify for a Preferred rate or qualify at all. You could be declined, depending upon the nature of your sickness.
Buy life insurance today, when you are in the best health possible and before that next birthday comes around.
Does my age factor into my life insurance?
Of course it does. Consider this: your policy will lock in at whatever AGE you are today. If you are 40, your rate will be less than if you wait until you are 50 to purchase it. Buy it today before you have another birthday. Rates typically increase as you age, unless you already have locked a policy in.
Also, some term insurance can no longer be sold to you once you hit certain milestones. Ask us for guidance on buying life insurance.
We offer Phoenix Life Insurance, Arizona Life Insurance, and Tucson Life Insurance, and coverage throughout Arizona.
Phoenix Arizona Insurance Quotes on: