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Protection designed to help provide financial security for the people who depend on you.
D&E Insurance Group helps Arizona individuals and families compare life insurance options based on their needs, goals and budget.
Life insurance can help provide financial protection for the people who depend on you if you’re no longer there to provide for them.
Life insurance can provide a death benefit to your beneficiaries that may help replace income, pay debts, cover everyday expenses or provide financial resources for future needs.
The right amount and type of coverage depends on your family, income, financial obligations, goals and how long you want the protection to last.
D&E Insurance Group helps Arizona individuals and families compare life insurance options and understand which type of coverage may fit their needs and budget.
Understanding the basic differences can make choosing life insurance much easier.
Term life insurance provides coverage for a specified period of time, such as 10, 20 or 30 years, as long as required premiums are paid.
It can be a good option when you want substantial coverage during years when your family may depend most heavily on your income.
Permanent life insurance is designed to provide coverage that can last for your lifetime as long as policy requirements are met.
Certain permanent policies may also build cash value over time, with features and guarantees that vary by policy.
Neither type is automatically right for everyone. Your age, family situation, financial goals, budget and desired length of coverage can all influence which approach makes sense.
The right amount of life insurance depends on who relies on you financially and what you want your coverage to accomplish.
Income Replacement
Consider how your household would replace your income and continue paying everyday expenses if you were no longer there to provide it.
Debts & Obligations
Mortgages, loans and other financial obligations can be considered when determining how much protection your family may need.
Future Goals
Life insurance can also be considered when planning for future needs such as education expenses, family goals and other financial responsibilities.
Existing savings, investments, employer-provided life insurance and other financial resources should also be considered. Rather than choosing an arbitrary coverage amount, D&E Insurance Group can help you evaluate your needs and compare available options.
Get a quick estimate of how much life insurance your family may need.
Annual Income
$
Years of Income to Replace
years
Mortgage & Other Debts
$
Future Expenses
College, childcare, final expenses or other financial goals
$
Existing Life Insurance
$
Savings & Assets Available to Your Family
$
Life insurance can be valuable anytime someone else depends on you financially or would be affected by your loss.
Parents & Families
Life insurance can help provide financial resources for a surviving spouse, children or others who depend on your income and support.
Homeowners
Coverage can help provide funds that may be used toward a mortgage and other household expenses if a family loses an income earner.
Business Owners
Life insurance can also play a role in certain business planning strategies, including protecting against the financial impact of losing an owner or other key person.
Life insurance isn’t only for the primary income earner. A stay-at-home parent or other family member may provide childcare, household management or other support that could be expensive to replace.
Life changes—and the coverage you purchased years ago may no longer match the people and responsibilities in your life today.
Marriage or Growing Family
Getting married, having children or adding new financial responsibilities can significantly change the amount of protection your family may need.
Buying a Home
A new mortgage or larger housing expenses can be a good reason to review whether your existing life insurance would provide enough financial protection.
Income & Career Changes
A significant increase in income, a new career or becoming self-employed can change how much your household depends on your earnings.
Starting or Growing a Business
Business ownership can create additional financial obligations and planning needs that may make a life insurance review worthwhile.
Major Financial Changes
Changes to your debt, savings, investments or long-term financial goals may affect the amount or type of life insurance you want.
An Older Life Insurance Policy
If you haven’t reviewed your life insurance in several years, it may be worth checking the coverage amount, beneficiaries, policy term and whether it still fits your goals.
A periodic life insurance review can help make sure your coverage continues to reflect your family, finances and long-term goals.
Common questions Arizona families and business owners ask about life insurance.
Life insurance is a contract that can provide a death benefit to your beneficiaries when you die, as long as the policy is in force and its requirements have been met.
Term life insurance provides coverage for a specified period of time. Permanent life insurance is designed for longer-term protection and certain policies may also build cash value. Features, costs and guarantees vary by policy.
Your coverage needs can depend on your income, mortgage and debts, dependents, future expenses, existing insurance, savings and long-term goals. Our calculator above can provide a starting estimate, and D&E Insurance Group can help you evaluate your individual needs.
Employer-provided life insurance can be valuable, but the amount may be limited and coverage may change or end when you leave the employer. It can be helpful to compare workplace benefits with your family’s overall financial needs.
Yes. Age and health are commonly considered during life insurance underwriting. The type of policy, coverage amount and other underwriting factors can also affect eligibility and premium.
Possibly. Eligibility and pricing depend on the insurer, policy type and underwriting requirements. Because different insurance companies may evaluate risk differently, comparing options can be valuable.
Yes. Depending on the situation, life insurance may be used as part of key person protection, business succession or buy-sell planning. Business owners should coordinate insurance planning with their legal and financial professionals when appropriate.
Yes. As an independent insurance agency, D&E Insurance Group can help Arizona clients compare available life insurance options from multiple insurance carriers.