Life Insurance

Are you properly covered?

Our most important policy we have to offer! You cannot put a dollar amount on your family, but you can ensure their future is protected. No one can predict when the unexpected will happen however, we can help when it does. Life insurance is the biggest investment you could make in your loved ones’ security. The time is now; it’s better to be 5 years too early than 5 minutes too late.

Contact us today to build your personalized protection plan! If you are unsure of the coverage needed, one of our experts will assist in choosing the right coverage for you!

Coverage Details Include but are not limited to:

We offer a wide range of quality insurance companies at an affordable price for all your life insurance needs in Arizona and California. Here at Jeff Champ Insurance, we are here to provide all your options and help you find the best coverage with one of our many top-rated carriers.

Term Life

Provides coverage for a specific amount of years, common terms are 10, 20 and 30 years. If you were to pass during the policy term, your beneficiary will receive the full death benefit. This is often the most affordable type of life insurance.

Whole Life

Provides coverage for your entire life! Provides a guaranteed death benefit and pays the face value to your beneficiary. This type of policy could build a cash value over the life of the policy, increasing the death benefit.

Universal Life

Universal life insurance works in a similar way to whole life insurance, but you have more flexibility about taking money early. You can even borrow money and repay it later; although, if there’s any loan outstanding when you die, the policy’s payout can be affected.

Indexed Universal Life

Indexed universal life insurance is a type of permanent plan with a savings component. Unlike some traditional life insurance plans, indexed universal life insurance allows the policyholder more input on how the cash value grows. With indexed universal life insurance, you are able to place part of your savings in a standard, tax-deferred, cash-value account and segment another portion into an account that grows based on a chosen index.

Final Expense

Final expense insurance, also referred to as burial insurance, covers end-of-life expenses including funeral arrangements and any remaining medical or legal expenses that will need to be settled by your beneficiary.

Frequently Asked Questions

A beneficiary is a person(s), charity or entity who receives the policy proceeds if you were to pass away while your policy is in force.
Premium rates are typically based on factors such as age, gender, height, weight, health status (including whether or not you use tobacco), and if you participate in high-risk activities or occupations.
To determine how much life insurance you need take into consideration your financial role in your family, how many dependents you have, how much debt is remaining that your spouse will have to pay and more.
Every policy is different. You do not necessarily need a medical exam. However, depending on the coverage amount and type of policy you choose, they may require one.
That’s great! However, a lot of times life insurance through your employer is a benefit and unfortunately, a lot of times you are not able to take that benefit with you if you leave your employer and or lose your job.

Find The Coverage You Need

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Chino Valley, AZ

Prescott, AZ

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