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Life Insurance

The concept of life insurance can be very complex for many Americans to understand. The truth is that not all Americans need to have life insurance. According to insurance gurus at McClatchy-Tribune Information Services, the general rule is that you only need it if you are directly responsible for any dependents.

 Life insurance is designed to protect the average working family, in case of the sudden death of a loved one. It’s meant to replace your “value” so your family won’t be left financially unstable once you’re gone. For any working parent, a big part of your value comes directly from your steady salary. With the proper insurance plan, your family will receive enough money to compensate your salary on average for ten to twelve years.

 Having a durable life insurance plan will rid you of any “what if” questions you may have regarding the possibility of your family one day having to live without you.

 The most sought after type of life insurance is known as “term life insurance”. Term insurance policies are set to cover the insured person for a predetermined amount of years, generally anywhere from one to 30 years. For the average young, health family, term life insurance is the best option, because it tends to be the least expensive.

 Another type of life insurance that many purchase is permanent life insurance. Permanent life insurance, just as the name implies, will cover you from the day you buy it up until the day you die, regardless of the cause or time of your death.

 The main difference between term and permanent life insurance is that permanent policies tend to come with a cash value component. What this means, is that your insurance company will continuously invest part of your premium payments to build up cash values in your account. You will not be taxed on any investment earnings, until you cash in on your policy.

 In terms of price, the cheapest, most affordable policies will always go to those who are in good health and have a family history that is free of major health issues, as well. If you are taking some type of heart medication or have been diagnosed as obese, you may pay more than those who are in good health.

 Your best bet for purchasing a life insurance policy would be to get begin shopping for one early in life when you are still in good health and young. If you are looking for an insurance broker with access to 30 plus companies like The Hartford, MetLife, ING, Lincoln Benefit Life, Pacific Life, AXA Equitable, American General, Ohio National, West Coast Life that will provide you with instant quotes and friendly customer-service, visit ASJ Insurance & Financial Services Inc.’s website www.asjtermlifeinsurance.com or give them a call today at (602) 212-1048 or (877) 275-2201 to talk to an experienced agent who could help you decide what’s the right plan that would fit your need and budget.

Health Insurance Reforms

Ever since President Obama was inaugurated, there has been an ongoing controversy surrounding health insurance. The most sought after topic has been reform, up until lately when the issue of antitrust issues arose.

 The entire health insurance industry has been in a chaotic uproar ever since new plans began being proposed to United States congress.

 If the plan does in fact go into effect, health insurance providers will more than likely have to pay additional taxes, thus putting their would-be profits at risk.

 The health insurance industry as a whole has had the unique privilege for the past 64 years of being exempt from antitrust laws.

 Currently, health insurance is controlled mostly by few major players: Aetna, Blue Cross, Cigna, United Health, and Health Net. Many customers who are seeking out health insurance turn to online search engines to find their best options and often face the health insurance monopoly of these companies. But, why not venture off to more plausible, affordable options?

 There are plenty out there. In fact, working with an insurance broker versus an individual insurance company, will almost always provide you with better results in terms of both premiums and coverage.

 One of the most sought after insurance brokers serving both the states of Arizona and California is ASJ Insurance & Financial Services Inc. (Available by phone at (602) 212-1048, website:

http://www.asjhealthinsurance.com

 or email customerservice@asjhealthinsurance.com).

 

Antitrust laws would be beneficial, as they would assist in promoting competition among all the major insurance companies and help prevent any one company from taking over the market entirely.

 Enabling competition would not only lower pricing, but also provide more selections for the consumer.

 The subject of antitrust laws as a whole has up until now been pushed off, in an attempt to achieve the original change the industry sought after.

 In the beginning when the issue first became a major obstacle for the Obama administration, the main topics of the health care agenda were funding, fiscal responsibility, and illegal immigrants.

 However, with the public outcry over recent issues and the overall failure of the congress to come to any sort of agreement in terms of reform, politicians have been pushed to think outside the box and deal with other issues. This is where antitrust laws first came into play.

 With congress providing insurers overall invincibility, legislation constructed a way for health insurance providers to share information without being responsible for either price fixing or collusion. Apparently, congress’s initial plan backfired horribly.

 Nancy Pelosi, Speaker of the House of Representatives, has taken the lead in getting the new health bill off the ground. Pelosi is hopeful of passing the legislation as an individual legislation, aside from the overall health care reform.

 For once, Speaker Pelosi has come up with a plan that has received positive feedback from both sides of the political world.

 If the bill passes, it will help jump start health care reform being passed, which will ultimately allow all Americans to have the option of having health insurance that will have to undergo both public scrutiny and antitrust laws.

Cell Phones & Auto Insurance

According to CBS Interactive Inc., an estimated 6,000 people are killed each year by drivers who are distracted by texting and/or making phone calls using their cellular telephones.

 Safety advocates are coming together in order to formulate a national organization to fight against the many wrongful deaths.

One victim, Jennifer Smith, was hit by a distracted driver one night while driving in her home city of Oklahoma City with her mother. The driver was talking on his cell phone and unknowingly ran a red light. Smith survived the crash; however, her mother Linda Doyle, 61, was not so lucky.

 “We need to just drive,” said Jennifer Smith, Doyle’s daughter. “Why do you need to be doing anything else when you’re driving a deadly weapon?”

 This horrible, life-changing experience has prompted Smith to team up with other victim’s families to form FocusDriven. The advocacy group is modeled after the famed support system Mothers Against Drunk Driving or “MADD”.

 Ray LaHood, Secretary of Transportation, feels confident that eventually “being distracted, while driving” will get the kind of attention that drinking and driving has received. After all, in the old days drinking and driving was barely a topic of discussion. Nowadays, after much law enforcement and receiving the proper attention it deserved, the numbers have significantly lowered. “That’s where we want to get with the distracting thing”, LaHood said.

 Currently only 19 states, plus the District of Columbia, have put a ban on texting while driving and 6 states, plus DC, have banned the usage of cell phones while operating a vehicle. Ironically, not one state has begun to enforce banning the use of hands-free phones while driving, which after thorough research, has been proven to have the same amount of distraction.

 Judy Stone, the president of Advocates for Highway and Auto Safety, feels that in the near-future technology will come out with a device that will put a lock on the times when you can and cannot use your phone in your car.

 For example, a GPS-assisted system will have the ability to detect when you are or aren’t on the road and be able to block all calls to your cell phone when you are driving.

 Although, many worry that the technologically savvy world we live in will soon have more gadgets to worry about. The particular gadgets many fear are dashboard computers. Jim Buczkowski, Director of Electrical Systems at Ford Motor Company, the   computers would be voice activated so drivers can keep their hands on the wheel. But it’s where driver’s heads would be that worries safety advocates.

Life Insurance

If you haven’t already, it’s not too late to formulate a realistic resolution for the New Year, and why not make this year’s one that can save you money as well? We are recommending taking a few easy steps towards lowering your life insurance premium. Interested? You should be. After all who wouldn’t want to qualify for lower life insurance costs?

Here are some tips offered by the insurance experts at ASJ Insurance & Financial Services Inc.

First off, if you use any type of tobacco products…quit. This is the single most cost-effective step any life insurance customer can take. Not to mention your health care provider and loved ones will thank you for this as well. Generally, after about a year you will be able to reap the benefits of non-smoker rates. This will be well worth the efforts you will put to quit smoking.

 Next, hit the gym. Not only will losing weight lower your number on the scale, but it will also drop your monthly life insurance premiums. Also, weighing less normally assists in lowering your blood pressure and cholesterol as well, this in turn will also help you bring down your life insurance premiums.

Getting regular medical physical exams from your medical provider will not only keep you healthy, but also help to detect any potential problems you may have. Early detection can immensely deter any lengthy medical issues, which could not only raise your life insurance premium, but in some cases even result in you being declined coverage all together. As a customer of life insurance, you want to always keep your body in the best shape possible. Remember, that you are a product. If you have a dozen minor and/or major health issues you are going to be viewed as a risk to your insurance company. You may very well even be a risk that insurance company is not willing to take.

Another major step towards achieving lower premiums is ridding your driving record of traffic tickets, accidents and hopefully you never had a driving under the influence citation in other words DUI citation. As you can see, all other aspects of insurance including auto and health are considered when underwriting your life insurance policy. After all, both of these factors greatly affect your safety and life expectancy. The cleaner your driving record is, the lower your life insurance premium will be. It’s that simple.

Lastly, do what you can to lower your stress levels. Stress is a major problem we all face and often can even be reason enough to trigger health problems. Being over all relaxed and healthy will help you be a better, safer driver and keep your health issues at ease.

Many of these individual resolutions make up some of the main bad habits many Americans try to kick every year, so why not combine them all and do what you can to lower your life insurance premiums? Your wallet and your body will only thank you in the long run. If you’re interested in life insurance quotes, feel free to visit ASJ Insurance & Financial Services Inc.’s Life Insurance website today for an instant quote:

http://www.asjtermlifeinsurance.com/

Or, feel free to give them a call at 602-212-1048 or toll free 877-275-2201 to talk with a licensed professional to review your current coverage or consult about getting a new life insurance policy. You’re only a call or click away.

Auto Insurance

Things to Know When Searching for Auto Insurance

 1. “You’re a statistic”: You will hear this general statement numerous times when you begin your hunt for auto insurance. Your premium will be based off of a combination of factors including the type of car you drive, its year, your age, your gender, marital status, your occupation, who you are, your personal driving violations, accident claims, credit rating, education, how far you drive to work, the miles you drive each year, your vehicle’s theft protection devices, where you live and how you live. This may appear to be an abundance of determinants; however, all of these can and will work both for and against you to come up with a reasonable monthly premium.

2. You will save money by comparison shopping. Just like when you prepare to purchase anything else, you are going to want to do your research before jumping the gun and making your ultimate decision. Prices for auto insurance will vary vastly depending on the provider. What may appear to be the same exact product can still have a different price tag, so make sure to do your research before committing to any specific company.

 3. it’s not just about price. It is also about the customer-service that your insurer provides. It is your right to do some background research regarding each insurance company’s history in terms of claims service. If a company takes forever to file a claim after an accident occurs or they are financially unstable, you are not going to want to sign up with them solely based on a low premium.

 4. Auto Insurance is not an area to be skimpy on. Most states only require liability coverage, which again will protect you from being held responsible for another party’s damages, in the event of an accident. You should look for more coverage beyond just the basics. For example collision, bodily injury, car rental, comprehensive, full glass, medical coverage, uninsured or underinsured motorist, and towing are all additional types you can add to your policy. Just because you choose to get extended coverage does not mean that you will have to necessarily pay more. Many companies can work with you and come up with a reasonably priced multi-coverage plan designed just for you.

5. Research what discounts you are entitled to. Discounts are granted to reward behavior. For example, good grades and certain safe driving courses could make you eligible for monthly discounts. Do your homework before purchasing auto insurance. Any website that is willing to give you multiple quotes at once such as www.asjautoinsurance.com is the perfect place to start.

ASJ Insurance & Financial Services Inc. is any insurance customer’s ideal insurance agency of choice, because they work with multiple companies, which will in turn provide you with a listing of various quotes and from there you and your family can find the one that works for you. You can go ahead and request a no obligation quote at:

http://www.asjinsurance.com/asjinsurance.aspx?MyMenu=home&MyPage=forms/auto.asp&SessionID=63631471

and the experts at ASJ Insurance & Financial Services Inc. will go to work on coming up with a number of auto insurance quotes from different companies such as The Hartford, MetLife Auto & Home, Progressive, Safeco, Infinity, Foremost, Bristol West and many more companies. Visit us at www.asjautoinsurance.com or call us at 602-212-1048 or toll free 877-275-2201.

At ASJ Insurance & Financial Services Inc. you are in the hands of elite, experienced professionals who have been providing insurance services to both Arizona and California residents for more than 10 years and will work for you non-stop until you are fully satisfied with the outcome.

Health Insurance

Health Insurance is one of the most prominent topics of the decade. Whether or not heath care reform will in fact occur and the never-ending discussion of increasing premiums continues to live on. With the current unemployment rate still soaring at 9.7%, according to the U.S. Bureau of Labor Statistics, individual insurance plans are being more and more sought after.

Many Americans have dealt with the difficult decision of whether or not to take part in government-sponsored insurance plans or to in fact pursue an individual personalized insurance plan. We are here to tell you that it is now more than ever, a better option for you to in fact have health insurance and it is even more imperative for you to make sure that you are receiving insurance from highly-trained professionals, such as those at ASJ Insurance & Financial Services Inc. (www.asjhealthinsurance.com) The agents at ASJ are experts at protecting your wealth and assets from inflation, economic upsets, such as the current economy, taxes, and other life uncertainties.

It has become second nature for those who happen to end up out of work, to turn to government-funded insurance companies, such as Medicare. While, this may in fact be a suitable, reasonable option for some, we are here to tell you that this is not necessarily the smartest move for you and your family.

Certain designated health care facilities, such as Arizona’s prestigious Mayo Clinic, which has often been praised by President Barack Obama as an example of better managing costs, have recently announced that they are no longer accepting Medicare patients, effective immediately. The Mayo Clinic has stated that the United States government pays them too little and if patients wish to continue visiting their facility, they will be forced to pay cash. Medicare, which has upwards to 3,000 members currently receiving services at the Mayo clinic are being forced to search for additional options in terms of healthcare. Many physicians simply can’t afford to continue offering services for these patients, as they are losing money. In conclusion, Medicare patients are now beginning to consider their option in terms of inquiring about additional coverage.

ASJ Insurance & Financial Services Inc. can guarantee to work for you, until you are 100 percent satisfied with a plan tailored to your needs and budget. ASJ Insurance & Financial Services Inc. only works with the highest-regarded companies in the nation, and vows to leave you fully satisfied with your customer service.

According to the Arizona Republic, advocates have stated that 17 million Americans who buy their own health insurance coverage are unable to negotiate lower rates in the way that large employers groups can.

Currently, due to heightened job loss there are an increasing number of people shopping for individual coverage, which has caused a fluctuation in price, as well. It is normal for Americans to find themselves becoming discouraged and feel as if they are unable to afford the coverage that they need; however, before giving up completely, why not give ASJ Insurance & Financial Services Inc. a try?

ASJ promises to provide you with quotes from an assortment of leading insurance companies such as Assurant Health, Blue Cross, Blue Shield, Cigna, Health Net, United Health and many other companies and pledges to work non-stop, until you find the coverage you are looking for at a premium you can afford. Visit ASJ Insurance & Financial Services Inc.’s user-friendly website today (www.asjhealthinsurance.com) or call us at 602-212-1048 or toll free 877-275-2201.

Term Life Insurance

With the current economic conditions affecting the lives of all Americans, many are left feeling the need to return to their basic essential needs. It has become custom to ditch the lavish luxuries that we were once used to indulging in during more fiscally stable time periods. This is a great way to go about life in general as we continue to get our personal economic conditions and country as a whole back on its feet; however, for something as critical and meaningful as life insurance, which is primarily used to protect a family’s future and to protect your assets for future generations, you don’t want to be neglecting life insurance. Term life insurance is an inexpensive way to accomplish your goals.

In times of economic uncertainty, such as the current recession, don’t you want to conserve what you can? We as Americans have little control over anything as substantial as the stock market crashing or a recession in general. But, from a smaller, individual standpoint, insuring your possessions can only ensure your chances of having a brighter, more beneficial future.

Of course, when you are going to be seeking out life insurance, you need to make sure you are working with a licensed professional. Certain insurance professionals can provide you with professional advice and help you save on your insurance premiums. One such professional agency that is able to offer you a personalized plan for your specific needs is ASJ Insurance & Financial Services Inc. Going to accomplished professionals at ASJ Insurance & Financial Services Inc. (www.asjtermlifeinsurance.com) can increase your chances of getting the best plan for your money for a variety of reasons.

The experts at ASJ Insurance & Financial Services Inc. have spent number of years working with top insurance companies and have excellent working relationship with these reputable companies which could help you get the best underwriting class you could qualify for. Some of the life insurance companies that ASJ Insurance & Financial Services Inc. currently represents are The Hartford, MetLife, ReliaStar (ING), Security Life of Denver (ING), Pacific Life, Midland National Life, Lincoln Benefit Life, American General, Ohio National Life, West Cost Life, AXA Equitable Life, Lincoln Financial Group and many more companies.

The economic conditions in recent years have made several insurance companies to offer competitive term life insurance. It is the best time to purchase term life insurance that you will be able to afford and keep for years to come.

At ASJ Insurance & Financial Service Inc. you are always going to get the one-on-one individual attention and customer service that you deserve. You will be guided step-by-step through the entire process, until you are satisfied and receive the best life insurance policy possible. The insurance specialists at ASJ will do all of the shopping around for you and provide you with all of the different possible combinations of insurance options out there, so you don’t have to spend your time shopping and getting quotes from different insurance companies.

Why wait any longer? Get a quote today! http://www.asjtermlifeinsurance.com

Auto Insurance

It’s no secret that auto insurance is essential for those who choose to own a vehicle. For those who do have one or more cars, generally you are going to seek out the most amount of coverage, for the cheapest premium. In order to make this possible, there are a few tips that you need to know.

 Did you know that there are different types of auto insurance? There is comprehensive, liability and collision. Do you want all three? Do you need all three? These are vital questions to ask yourself when seeking out the right auto insurance coverage for you. Well, comprehensive will cover repairs or replacements for vehicle damages or if your vehicle is stolen; however, if you happen to get into an accident you are going to need liability as well. Liability will help to cover the expenses for not only your vehicle, but for all those involved in the accident as well. Collision will help to cover the cost of repairs necessary for all vehicles involved in an accident with another vehicle, regardless of whose fault it was.

 Then there is premium. This will be different for everyone, but as long as you are smart about it and consult a professional such as ASJ INSURANCE & FINANCIAL SERVICES INC. (http://www.asjautoinsurance.com) you will be able to customize coverage that not only covers your essential needs, yet also manages to keep your premium as low as possible.

 Premiums depend on an assortment of different aspects. A person’s age, vehicle of choice, one’s individual driving record, and where you reside, are just a few of these factors. Depending on your vehicle’s unique safety net, you may be eligible for a slight break in your monthly payment. If you have a good driving record, which is free of accidents and/or tickets, you may also be a lower premium.

 All of this information is important when shopping for auto insurance, this is all the more reason that you need to consult with professionals like ASJ INSURANCE. With access to many reputable insurance companies like, we would really shop for you and save you money. Not only do they have years of experience serving both Arizona and California with auto, health and life insurance, but they also work with access to The Hartford, Safeco, Travelers, MetLife Auto & Home, Progressive, Infinity and many more companies, which can guarantee you to find the lowest possible premium and a plan created just for your needs! Visit ASJ’s website today and begin receiving a variety of auto insurance quotes. http://www.asjautoinsurance.com/

Auto Insurance

Auto Insurance From Progressive

Health Insurance

Given the current state of the economy, Americans are doing everything they can in their power to save money wherever possible. One of the biggest financial headaches during these difficult economic times for many American’s is finding affordable health insurance for themselves, their families or for their small business employer groups.(www.asjhealthinsurance.com), you have come to the right place. Aetna, Assurant Health, Blue Cross Blue Shield of Arizona, Anthem Blue Cross of CA, Cigna, Health Net, United Health, Kaiser Permanente and Pacific Care. Being able to have access to such a wide array of established companies will give you the options and savings you deserve. http://www.asjhealthinsurance.com today and begin searching for quotes and talking with their experienced broker, who will be more than happy to help you find a plan that suits you. http://www.asjhealthinsurance.com/quote/quotes.jsp and start to compare plans side by side and make an educated & intelligent choice for your family.(602) 212-1048 / (877) 275-2201. ASJ Insurance & Financial Services Inc. continues to be a leader in providing Arizona and California residents with affordable insurance options.

Although there are presently 46 million uninsured people living in the United States, it is important to realize how essential it is for you and your family to find an insurance plan that works for you. Living without health insurance is not the answer. For those who are seeking out an affordable, dependable plan, if you chose ASJ Insurance & Financial Services Inc. (

Why ASJ Insurance & Financial Services Inc. you may ask? Well, one of the most beneficial reasons for choosing a distinguished insurance broker such as ASJ Insurance & Financial Services Inc. is the fact that they have access to many reputable insurance companies. What this means for you as a consumer is simply, that we will be able to shop and compare for you many plans offered by these companies and help you save great deal of money in the end.

Some of the leading companies that ASJ currently works with in terms of health insurance include:

It is estimated that 6.9 million more Americans will become uninsured by the end of 2010. Don’t let you and your loved ones become part of that number. Visit

Blue Cross Blue Shield of AZ (BCBS) is among the insurance companies that ASJ Insurance associates with and they are currently a leader in helping to establish a suitable answer to health care reform. BCBS advocates educating their customers, keeping them informed about recent updates within our government, and what exactly that means for their futures as consumers. It is vital to stay up-to-date on the latest changes in health care, as our country continues to struggle to keep health care affordable for residents.

If you feel that BCBS of AZ may be a suitable company for you, or you are interested in exploring options offered by any of the above listed nationwide reputable health insurance companies that ASJ Insurance & Financial Services Inc. represents, then feel free to visit us at today

If you have any additional questions, go ahead and give ASJ Insurance & Financial Services Inc. a call at your convenience