At, health insurance is not the only product we offer to our clients.  We are experts in life insurance and annuities and given that we are a brokerage, we can shop many of the largest life insurance and annuity companies on the market in both Arizona and California to ensure you get the best price.  If you are planning on purchasing life insurance or an annuity, we can explain the different types of policies that are available to you in the life and annuity market.  We will do a needs analysis to determine how much life insurance you need, and what type of life insurance or annuity would be the best fit for you and your family.  Many of our clients use life and annuity products as part of their financial planning goals.  It is important to understand a life insurance policy or annuity contract so as to figure out how much money to invest.

An annuity can be a valuable way to invest money that you have saved, or that is in an old 401k or IRA plan.  The types of annuities we work with at offer protection of your principle investment, with a chance to grow your money significantly over time.  These are called Fixed Annuities, and are basically CD-like investments that pay guaranteed rates of interest, which in most cases are higher than you would receive in a CD from a bank.  In a CD (Certificate of Deposit) you typically have to pay taxes on your gain at the end of each year, whereas most annuities defer taxation until you start making withdrawals, which over multiple years can add up to a large amount of money.  A Fixed Annuity can be deferred or immediate.  Since Fixed Annuities pay guaranteed interest rates, we highly recommend them for people who don’t want to worry about the ups and downs of the stock market.  The types of Fixed Annuities we deal with at can be started with investments starting as low as $1,000, though the more you invest initially the higher your bonus will be.  A bonus is a percentage the insurance company will give you for investing in one of their Annuities, which in some companies can be as great as 10% of your initial investment.