Health Insurance Resources
The website links are for companies that allow you to apply online. You can run a quote before you apply. Applying online has the convenience of getting the quote and application to the company much faster than regular mail, and you avoid an application fee with some companies. If you need help, or would rather discuss possible plans, please do not hesitate to call our office. We have 36 years of experience and represent the client, not the insurance company. If you’re not pleased with the results of Marketplace plans or Obamacare, contact us.
Araiza Insurance
Life Insurance
Life insurance applications and quotes unfortunately cannot be done online yet. Although there are websites that will get you a quote, most assume you are super healthy and get you the lowest rates for a 5 or 10-year term plan. If you prefer a more realistic quote and advice based on your age, medical conditions, your height and weight, or whether you’re a smoker, use the “Contact Us” link below to send us details.
Life insurance is a available as a term, meaning, you buy the amount of term you want, from 10 years to 40 years guaranteed life. There are also cash value policies and some single premium plans available. We have Whole Life policies if you are over the age of 60 and health is an issue. Guaranteed issue plans are available, and we may be able to show you why there are not a good idea.
Annuities
An annuity is just a general term and the same product can be designated as a ROTH IRA, a Simple IRA, a 401K, and SEPP plan, or a plain tax-deferred annuity. Annuities sometimes get a bad wrap, but in the 36 years we have been in business, no one has ever complained about them and no one has ever lost money in them. My best recommendation is an annuity that does not renew automatically. That means when the surrenderer period is over, you do not have to do anything. You can just leave the funds as is and earn tax-deferred income until you decide to take the money or let your beneficiaries have it. And, all of our annuities are guaranteed to never lose money.
What is an independent insurance broker?
An independent insurance agent works for you, not the insurance company. They can shop at dozens of insurance companies to find the right coverage for you at the best price.