Happy Holidays from the Schaffroth Farmers Agency!                                  Once again, you will find us on the nice list and we are sure you are on there too....

We sincerely appreciate your support and business this year! We wish you and your family a safe holiday!                                                                                   Call April Schaffroth at 602-297-5155 or visit uswww.insuranceinaz.com 

                                   

Perfect Gift...Insurance?? Yes!

Looking for that perfect gift for the people you care about most?                               Forget the underwear, socks, and fruit cakes.....                                                                                    This is the year to give the gift of life; life insurance that is!                                                                                                                         It just so happens that our life policies fit in any of the packages we show here. For as little as $1 per day you can make sure your family or business is taken care of.                                                                                                                                                                  From www.affordablelifeinnsurance.com, you can see how to identify low cost life insurance: 

Life Insurance Costs Vary—with Age and Health.
Companies set the rates on life insurance, rates which are based on the cost of insurance for any given age and on the amount of interest a company hopes to earn on your premium. If you purchase a "level" policy—that means a policy with no future changes in premium or face value—the company will be unable to make up for a loss if you die early and likewise unable to collect more premium if inflation and interest rates fluctuate in excess of expectations.                                                                                                        


So, they build in their "risk" factors to protect themselves. A single type of policy is thus going to be relatively close in price regardless of the company. If a company's policies vary more than $20.00 a month in either direction, it's time to look into that company a little more and see why they are either so much "cheaper" or so much more expensive.                                                                            
You can't control the company's pricing practices. However, most companies have lower priced policies for people who are younger, are non-smokers, and are not outside their weight limits. Thus, instead of taking the first thing that comes along, you should ask yourself what risks you personally have that might affect the price a company would be willing to give you.

                                                                                                                   Call April Schaffroth today 602-297-5155 or www.insuranceinaz.com