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Life Insurance for Children Buckeye AZ

Often parents and grandparents are pitched "special opportunities" by insurance agents to add children to their policies. Agents may even imply that these opportunities only come up every few years, so there's pressure to make a decision right away.

Michael Cross
3875 N. 44th Street
Phoenix, AZ
Company
Title: Investment Advisor Representative
Company: Cross Financial
Type
Investment Advisor Rep: Yes
Education
Arizona State University
Years Experience
Years Experience: 13
Service
Long-Term Health Care Planning,Annuity Ideas & Strategy Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Fee-Only Comprehensive Financial Planning,401k Rollover From Employer,CD Alternative,Disability Insurance,Annuities,Alternative Asset Class Planning,Commission-Only Financial Planning (Full Disclosure),Planning For Personal Finances & Budgeting,Retirement Income Accumulation Planning,Business Income Tax Planning,Fee Only Portfolio Management,Income for Life/ Preserve Princi

Data Provided by:
Judy Tocco, CFP
6236 E. Pima Street
Tucson, AZ
Company
Title: CFP
Company: Tocco Financial Services
Type
Investment Advisor Rep: Yes
Education
Bachelors Degree in Business Management
Masters Degree in Organizational Management
Certified Financial Planner
Years Experience
Years Experience: 20+
Service
Portfolio Engineering,Income for Life/ Preserve Principal,Alternative Investments,Retirement Planning,Investment Consulting & Allocation Design,Retirement Income Accumulation Planning,Fee-Only Comprehensive Financial Planning,Fee Only Portfolio Management,IRA, 401k, Roth IRA, QDRO Rollovers,Wealth Management,Annuities,Long-Term Health Care Planning,Retirement Income Distribution Planning,Hourly Financial Planning Engagements,401k Rollover From Employer,CD Alternative,Life Insurance,Investment &

Data Provided by:
Mr. Paul F. Arutt (RFC®), MBA
(602) 424-9991
3550 N. Central Avenue, Suite 1100
Phoenix, AZ
Company
Heritage West Capital Corporation
Qualifications
Education: MBA, Finance, Columbia University, New YorkBA, Economics, University of Southern California, Los Angeles
Years of Experience: 29
Membership
IARFC
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Pension Planning, Retirement Planning, Stocks and Bonds, Mutual Funds, Precious Metals, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Group Insurance, Asset Protection, BuySell, LiabCover, Compensation Plans

Data Provided by:
Mr. Daniel J. Trotta (RFC®), MBA
(480) 626-8089
10105 E Via Linda Dr #103-324
Scottsdale, AZ
Company
Choice Benefits Inc.
Qualifications
Education: MA.Ed, University of Phoenix;MBA, Roosevelt University; BBA, Walsh College;AAS, Scottsdale Community College
Years of Experience: 16
Membership
IARFC
Services
Invoice, Estate Planning, Business Planning, Pension Planning, Retirement Planning, Tax Planning, Seminars Work, Employee Benefits, Stocks and Bonds, Mutual Funds, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Business Coach, Charitable Planning, Education Plan, Healthcare Accounts, BuySell

Data Provided by:
Scott L. Overstreet (RFC®), LUTCF
(602) 481-1948
PO Box 9052
Mesa, AZ
Company
Retirement Solutions
Qualifications
Education: AA, BS
Years of Experience: 15
Membership
IARFC
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Pension Planning, Executive Compensation Planning, Retirement Planning, Tax Returns, Employee Benefits, Stocks and Bonds, Mutual Funds, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Charitable Planning, BuySell, Compensation Plans

Data Provided by:
Mr. Lance Andrew McGraw (RFC®)
(480) 703-6087
1423 S Higley Rd # 128
Mesa, AZ
Company
McGraw Custom Financial Solutions LLC
Qualifications
Education: Weber State UniversityKaplan UniversityCalifornia Coast University
Years of Experience: 12
Membership
IARFC
Services
Invoice, Estate Planning, Retirement Planning, Medicaid Planning, Tax Planning, Tax Returns, Seminars Work, Annuities, Life Insurance, Long Term Care Insurance, Auto Home Insurance, Charitable Planning, Education Plan, Asset Protection, Compensation Plans

Data Provided by:
Mr. Stuart J. Spivak (RFC®), LUTCF
480 556 9931, 610 668 7682
8160 E Butherus Dr #5
Scottsdale, AZ
Company
The Spivak Financial Group
Qualifications
Education: 1987 Graduate of Pennsylvania State University, State College, PA.
Years of Experience: 23
Membership
IARFC, MDRT, NAPFA, NAIFA
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Pension Planning, Executive Compensation Planning, Retirement Planning, Tax Planning, Seminars Work, Employee Benefits, Stocks and Bonds, Mutual Funds, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Education Plan, Healthcare Accounts, Asset Protection, BuySell

Data Provided by:
Anthony Del Pozzo
8149 N. 87th Place
Scottsdale, AZ
Company
Title: LPL Financial Advisor
Company: Vista Financial Group
Type
Investment Advisor Rep: Yes
Education
St. John's University
The American College
Years Experience
Years Experience: 22
Service
Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,Income for Life/ Preserve Principal,Alternative Investments,Retirement Planning,Long-Term Health Care Planning,Estate Tax Planning,Asset Protection Strategies & Planning,IRA, 401k, Roth IRA, QDRO Rollovers,Wealth Management,Annuities,Alternative Asset Class Planning,Insurance & Risk Management Planning,Retirement Income Accumulation Planning,Fee-Only Comprehensive Financial Planning,CD Alternative,Life Insurance,I

Data Provided by:
David Gray
17550 North Perimeter Drive
Scottsdale, AZ
Company
Title: Wealth Advisor
Company: LPL Financial / Buttonwood Financial Partners
Type
Investment Advisor Rep: Yes
Education
Tulane University 1985-1986
Southern Methodist University-Cox School of Business BBA 1986-1989
Babson College-Franklin W. Olin Graduate School of Business MBA 1994-1996
Years Experience
Years Experience: 16
Service
Fee-Only Comprehensive Financial Planning,Portfolio Engineering,IRA, 401k, Roth IRA, QDRO Rollovers,Life Insurance,Investment & Portfolio Management,Retirement Income Distribution Planning,Hourly Financial Planning Engagements,Fee Only Portfolio Management,401k Rollover From Employer,Alternative Investments,Retirement Planning,Commission-Only Financial Planning (Full Disclosure),Education Funding & Financial Aid Planning,Pension for Highly Compensated Owners,Wealth Management,Annuities,Investmen

Data Provided by:
Greg Zale
4365 E. Pecos Rd #136
Gilbert, AZ
Company
Company: LPL Financial
Service
Pension for Highly Compensated Owners,Stock Market Alternative,Wealth Management,Life Insurance,Investment Consulting & Allocation Design,Insurance & Risk Management Planning,Asset Protection Strategies & Planning,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Health Care Insurance,Retirement Planning,Annuity Ideas & Strategy Planning,Retirement Income Accumulation Planning,401k Rollover From Employer,Income for Life/ Preserve Principal,Disability Insurance,Annuities,Commission-Only Financia

Data Provided by:
Data Provided by:

Life Insurance for Children

Provided By: 

Life Insurance for Children

We always want the best for our children. Life insurance companies know this. As a result, you might find that you are the target of sales pitches from life insurance companies. This is a time when emotions can run high. We all want to secure our children's future, right? If you are considering life insurance for your child, it's a good idea to step back from the sales pitches and be sure that you are clearly considering your and your child's needs before you make a purchase decision.

Often parents and grandparents are pitched "special opportunities" by insurance agents to add children to their policies. Agents may even imply that these opportunities only come up every few years, so there's pressure to make a decision right away. They do this because you'll buy with your heart for your beloved child or grandchild, instead of with your head. Before you buy, ask yourself what benefit comes of buying life insurance on your child. The purpose of life insurance is generally income replacement after a death. As such, it may not be the right purchase on behalf of your child.

However, one of the best reasons to insure children is to cover final expenses after an untimely death. Funeral expenses, including funeral arrangements and burial, can range from $5,000 to $20,000. The average family may not have the funds for those expenses and insurance can help. Further, the cost of such insurance for a child is usually fairly inexpensive, assuming that the child is in good health.

Only buy what you need. Do not be seduced into buying a policy that costs more, but gives you the option of having the child buy additional insurance when he or she comes of age. Sometimes, you may hear a sales pitch suggesting that children will have trouble buying insurance when they are right out of college, for example, and on their own for the first time. However, the reality is that most young adults can easily obtain insurance coverage for very reasonabl...

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