The best AUTO, HOME, and LIFE Insurance in Phoenix, Scottsdale,
Prescott, Prescott Valley, Flagstaff, Yuma, Casa Grande, Mesa,
Tempe, Glendale, Tucson, Payson, Chandler, Queen Creek, Gilbert,
Maricopa and Apache Junction.
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+
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+
Progressive has been in business since 1937. Its innovative web sites
have been named best overall in the customers experience rankings for
Auto Insurance and achieved the Number One ranking of 25 leading auto
insurance sites. Progressive is ranked 155 on the 2005 Fortune 500 list. |
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+
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. |
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. |
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. |
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Arizona Term Life Insurance
The origins of life insurance can be traced to the Romans and Greeks
back to 600 AD when they offered coverage for families to pay for funeral
and care for the family of a deceased person.
Term life insurance, by its name alone, indicates that the coverage is
for a specified period of time. Commonly you will find term life called
by names such as 10 year term, 20 year term, 30 year term. or Refund of
Premium term.
If you buy a 10/20/30 year term or get a term life insurance quote, it
does not mean the coverage necessarily ends after that time. Coverage
may continue but the premium is recalculated for your new age. Keep in
mind that most term life insurance ends after age 75. Term is ideal for
younger people. You can buy alot of term for less money than a
permanent policy. The downside is term is not forever and the premium increases
at some point.
There is no cash value in term. However, Refund of Premium term
insurance agrees to refund your premiums in full in the event you do not die
after a specified period of time. The insurance company charges an
extra premium for this optional feature. When considering such a policy, it
is good to consider whether you are able to set aside the extra premium
into an interest bearing account. The reason is this optional feature
does not pay interest on your money when it is refunded back to you.
Ideally, a person can mix term life insurance to 1) provide the
overall amount of life insurance they need to protect loves ones, with 2)
some permanent life insurance to ensure they have some protection in force
during those later years.
While it is possible for someone to buy 100% permanent life insurance
the cost is usually prohibitive for most people. To have the ability to
mix term life along with permanent life is important.
Get a term life insurance quote today! It is best to apply as young as
possible while in as best health as possible to lock in the best
premium possible. If you wait until you are older, age or health can cause
you to pay extra premiums or even be declined.
Go to our link, "Term Life Insurance Quote".
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