ASJ Insurance & Financial Services Inc. (623) 243-4000

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Final Expense Insurance in 2026: Rising Funeral Costs & Simplified Issue Options for Seniors in AZ & CA

Introduction: Why Final Expense Insurance Matters More Than Ever in 2026

End-of-life planning is one of the most meaningful gifts someone can leave their family. In 2026, final expense insurance — also known as burial insurance — has become one of the fastest-growing insurance products among seniors in Phoenix, Tucson, Superior, Casa Grande, Los Angeles, the Bay Area, Yuba City, and Orange County.

Why? Because funeral costs are rising faster than inflation, and families are feeling the financial pressure.

In 2026, the average funeral in the U.S. ranges from $9,000 to $15,000, depending on the city. In high-cost areas like Los Angeles and the Bay Area, total expenses can exceed $18,000 when including burial, transportation, and memorial services.

Final expense insurance provides:

– A small, affordable policy

– Guaranteed payout to loved ones

– Coverage for funeral, burial, cremation, and medical bills

– Peace of mind during a difficult time

This guide breaks down everything seniors and families need to know about final expense insurance in 2026 — including rising costs, simplified underwriting, and local considerations for Arizona and California.

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The Rising Cost of Funerals in 2026

Funeral and burial costs have increased significantly over the past decade due to:

– Higher labor costs

– Increased cemetery fees

– Supply chain impacts on caskets and materials

– Rising transportation and facility fees

Average Funeral Costs in 2026 (By Region)

Arizona

– Phoenix: $9,500–$12,000

– Tucson: $8,800–$11,500

– Casa Grande & Superior: $7,500–$10,000

California

– Los Angeles: $12,000–$18,000

– Bay Area: $13,000–$19,000

– Orange County: $11,000–$16,000

– Yuba City: $8,500–$11,000

These rising costs are driving more seniors to secure final expense insurance to prevent financial burden on their families.

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What Final Expense Insurance Covers in 2026

Final expense policies are designed to be simple, affordable, and accessible — especially for seniors.

Typical Coverage Includes:

– Funeral service

– Burial or cremation

– Casket or urn

– Transportation

– Flowers and memorial items

– Medical bills

– Outstanding small debts

– Legal or administrative fees

Most policies range from $5,000 to $30,000, depending on needs and budget.

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Why Final Expense Insurance Is Growing in AZ & CA

1. Seniors Want to Protect Their Families

Many seniors in Arizona and California want to ensure their children or grandchildren aren’t left with unexpected bills.

2. Simplified Issue Options Are Expanding

2026 brings more:

– No-exam policies

– Guaranteed-issue options

– Fast approvals

– Flexible payment options

3. Rising Cremation Costs

Even cremation — once considered the low-cost option — has increased due to facility and service fees.

4. More Seniors Living on Fixed Incomes

Final expense insurance offers predictable premiums that never increase.

5. Cultural and Family Traditions

In cities like Los Angeles, Phoenix, and the Bay Area, many families prefer traditional services, which can be costly.

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Who Benefits Most From Final Expense Insurance in 2026?

1. Seniors Ages 50–85

Most final expense policies are designed for this age group.

2. Individuals With Health Conditions

Simplified and guaranteed-issue options help those who may not qualify for traditional life insurance.

3. Families With Limited Savings

Final expense insurance prevents financial strain during an emotional time.

4. Adult Children Planning Ahead

Many adult children in AZ & CA purchase policies for aging parents to ensure everything is covered.

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Types of Final Expense Policies in 2026

1. Simplified Issue Final Expense

– No medical exam

– Health questions only

– Fast approval

– Affordable premiums

2. Guaranteed Issue Final Expense

– No health questions

– No exam

– Guaranteed approval

– Ideal for seniors with health challenges

3. Level Benefit Policies

– Immediate full coverage

– Best for healthier applicants

4. Graded Benefit Policies

– Partial coverage in first 2 years

– Designed for higher-risk applicants

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Pros & Cons of Final Expense Insurance in 2026

Pros

– Affordable monthly premiums

– No medical exam required

– Guaranteed payout to beneficiaries

– Helps cover rising funeral costs

– Easy application process

– Ideal for seniors in AZ & CA

Cons

– Lower coverage amounts than traditional life insurance

– Some policies have waiting periods

– Premiums may be higher for older applicants

– Not designed for large financial needs

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FAQs (2026 Edition)

1. How much does final expense insurance cost in 2026?

Premiums vary by age and health but remain affordable for most seniors.

2. Do I need a medical exam?

Most final expense policies do not require an exam.

3. Can seniors with health issues qualify?

Yes — guaranteed-issue options are available.

4. How long does approval take?

Many policies approve within minutes.

5. Does final expense insurance cover cremation?

Yes — cremation costs are fully eligible.

6. Can I buy a policy for my parents?

Yes, with their consent.

7. Are rates different in Arizona vs. California?

Rates vary by state, age, and health, but both states offer strong options.

8. What if I already have life insurance?

Final expense can supplement existing coverage.

9. Is final expense insurance worth it in 2026?

For many families, yes — especially with rising funeral costs.

10. How much coverage do most people choose?

Common amounts range from $10,000 to $20,000.

Term Life Insurance in Phoenix & Tucson: Affordable Protection for Arizona Families

Families across Phoenix, Tucson, and surrounding Arizona communities are searching for affordable, reliable ways to protect their loved ones. With rising living costs, growing families, and long-term financial planning becoming more important than ever, term life insurance remains one of the most cost-effective ways to secure your family’s financial future.

At ASJ Insurance and Financial Services Inc, we help Arizona residents compare top-rated term life insurance options, understand their coverage needs, and choose policies that fit their budget — without pressure, confusion, or hidden surprises.

Whether you live in Phoenix, Scottsdale, Mesa, Chandler, Gilbert, Glendale, Peoria, Surprise, Goodyear, Buckeye, Tucson, Oro Valley, Marana, Sahuarita, or Vail, our team is here to help you protect what matters most.

Why Term Life Insurance Matters for Arizona Families

Term life insurance provides maximum coverage at the lowest cost, making it ideal for:

• Growing families

• Homeowners with a mortgage

• Parents with young children

• Business owners

• Anyone wanting affordable financial protection

With term lengths ranging from 10 to 30 years, you can lock in low rates while ensuring your family is protected during the years they need it most.

Benefits of Term Life Insurance

1. Affordable Monthly Premiums

Term life insurance offers the highest coverage for the lowest cost — perfect for families on a budget.

2. Simple, Straightforward Coverage

No complicated investment components. Just pure protection.

3. Flexible Term Lengths

Choose 10, 15, 20, 25, or 30 years based on your financial goals.

4. Ideal for Mortgage Protection

Many Phoenix and Tucson homeowners use term life insurance to ensure their mortgage is covered if something unexpected happens.

5. Peace of Mind for Your Loved Ones

Your family receives a tax-free payout to cover:

• Mortgage payments

• Living expenses

• Childcare

• College tuition

• Final expenses

Local Insight: Why Phoenix & Tucson Residents Are Buying More Life Insurance

Arizona families are facing:

• Rising housing costs

• Growing childcare expenses

• Increasing medical costs

• Higher financial responsibilities

Term life insurance provides a low-cost safety net that protects your family’s financial future — even if life takes an unexpected turn.

Who Needs Term Life Insurance in Arizona?

Phoenix Metro

• Young families in Mesa, Chandler, Gilbert

• Homeowners in Goodyear, Surprise, Peoria

• Professionals in Scottsdale & Tempe

Tucson Metro

• Families in Oro Valley & Marana

• First-time homeowners in Vail & Sahuarita

• University employees & medical professionals

If someone depends on your income, you need term life insurance.

Pros & Cons of Term Life Insurance

Pros

• Lowest-cost life insurance option

• High coverage amounts

• Easy to understand

• Flexible term lengths

• Ideal for families and homeowners

Cons

• Coverage ends when the term ends

• No cash value component

• Renewal rates may increase later in life

Frequently Asked Questions (FAQ)

1. How much term life insurance do I need?

Most Arizona families choose coverage equal to 10–15 times their annual income, plus mortgage balance and debts.

2. How long should my term be?

Choose a term that covers your major financial responsibilities — often 20–30 years for families with young children.

3. Is term life insurance expensive?

No. It’s the most affordable type of life insurance, especially for healthy adults.

4. Can I get coverage if I have health conditions?

Yes. Many carriers offer flexible underwriting options.

5. How fast can I get approved?

Some policies offer same-week approval, depending on your health and coverage amount.

Why Arizona Families Choose ASJ Insurance and Financial Services Inc

• Local Arizona expertise

• Access to top-rated national carriers

• Personalized coverage recommendations

• Transparent, no-pressure guidance

• Fast quotes and easy applications

We help you compare options, understand your coverage, and choose a policy that protects your family without straining your budget.

Building Financial Security in Arizona: Life Insurance, Disability Coverage, Annuities & Final Expense Planning in 2026

Building Financial Security in Arizona: Your 2026 Guide to Life Insurance, Disability Coverage, Annuities & Final Expense Planning

February in Arizona brings cool mornings, early desert blooms, and a natural moment to reassess your financial protection. As families prepare for tax season, spring travel, and new life changes, four core insurance products stand out as essential pillars of long-term stability: Life Insurance, Disability Insurance, Annuities, and Final Expense coverage.

At ASJ Insurance & Financial Services Inc., we help Arizona households build protection that lasts through every season.

Life Insurance: A Foundation of Family Security

Life insurance remains one of the most powerful tools for protecting your loved ones. In early 2026, underwriting queues are shorter, rates remain stable, and many families are updating coverage due to new homes, new dependents, or new financial goals.

Why Arizona families review life insurance in February:

  • Tax season highlights financial gaps
  • Spring travel increases awareness of risk
  • New jobs and income changes require updated coverage
  • Mortgage and debt protection needs evolve

Whether you’re considering Term, Whole Life, or Indexed Universal Life, the right policy creates certainty in an uncertain world.

Disability Insurance: Protecting Your Income — Your Greatest Asset

Most Arizona households rely heavily on one or two incomes. Disability insurance ensures that if illness or injury prevents you from working, your financial life stays intact.

Ideal for:

  • Self-employed professionals
  • Anyone with a mortgage or dependents
  • Contractors and gig workers
  • Healthcare, education, and construction workers

Short-term and long-term disability plans can replace a portion of your income when you need it most.

Annuities: Stability in a Volatile Market

With ongoing market fluctuations in 2026, annuities offer Arizona residents a reliable way to secure retirement income.

Key benefits:

  • Guaranteed lifetime income
  • Protection from market downturns
  • Tax-deferred growth
  • Legacy planning options

For those within 5–10 years of retirement, annuities can create a stable financial foundation.

Final Expense Insurance: A Loving Act of Preparation

Final expense coverage ensures your family isn’t burdened with funeral costs or unexpected expenses during a difficult time.

Why Arizonans choose it:

  • Affordable monthly premiums
  • Simplified underwriting
  • Designed for ages 45–85
  • Provides peace of mind for loved ones

A small policy can make a big difference.

Arizona Spotlight: Tonto Natural Bridge

This month featured monument, Tonto Natural Bridge, symbolizes strength and resilience — qualities that mirror the purpose of good insurance planning. Standing 183 feet high, this natural travertine arch near Payson is one of Arizona’s most breathtaking wonders.

Arizona History Corner: Statehood Day

Arizona became the 48th state on February 14, 1912, earning the nickname “The Valentine State.” February is a celebration of independence, identity, and the pioneering spirit that still defines our communities today.

Recipe of the Month: Hatch Chile & Corn Chowder

A warm, Southwestern-inspired dish perfect for cool February evenings. (Recipe included in your newsletter.)

Final Thoughts

Financial protection isn’t just about policies — it’s about peace of mind. Whether you’re reviewing life insurance, exploring annuities, or preparing for the future with final expense coverage, ASJ Insurance & Financial Services Inc. is here to guide you with clarity and care.

Affordable Term Life Insurance for Arizona Families

Protecting Families in Phoenix, Tucson, Prescott & Surrounding Areas During Economic Uncertainty

When inflation rises, markets shift, and job stability feels unpredictable, Arizona families often reassess their financial priorities. One of the most reliable and affordable tools during uncertain times is term life insurance. At ASJ Insurance & Financial Services, we help households across Phoenix, Tucson, Prescott, and their surrounding communities secure long‑term protection without straining their budget.

🔐 Why Term Life Insurance Matters for Arizona Families

Affordable Protection Across All Budgets

Term life insurance offers high coverage at a low monthly cost, making it ideal for families in:

  • Phoenix Metro: Glendale, Peoria, Scottsdale, Tempe, Mesa, Chandler, Surprise, Avondale
  • Tucson Area: Oro Valley, Marana, Vail, Sahuarita, Green Valley
  • Northern Arizona: Prescott, Prescott Valley, Chino Valley, Dewey‑Humboldt, Cottonwood, Sedona

Income Replacement When It Matters Most

If the unexpected happens, the tax‑free death benefit can help your family maintain their lifestyle, cover bills, and stay financially stable.

Mortgage & Debt Protection

Arizona homeowners often use term life insurance to ensure their loved ones can keep the home and avoid inheriting debt.

Education & Legacy Planning

Funds can support children’s education or help build a financial legacy—even when savings are impacted by market volatility.

🛡️ How ASJ Supports Families Across Arizona

Whether you’re in the Valley, Southern Arizona, or Northern Arizona, ASJ Insurance & Financial Services provides:

Customized Coverage

We tailor policies based on your income, family size, financial goals, and long‑term plans.

Flexible Term Options

Choose from 10‑, 20‑, or 30‑year terms to match your financial planning horizon.

Streamlined, Stress‑Free Application

Fast, transparent underwriting with guidance from a trusted Arizona‑based team.

🌄 Why Arizona Residents Trust ASJ Insurance & Financial Services

We understand the unique financial landscape across the state—from Phoenix’s fast‑growing metro economy to Tucson’s diverse workforce to Prescott’s stable, family‑focused communities. Our mission is simple: Protect what matters most, no matter where you live in Arizona.

💬 Final Thoughts

Economic uncertainty shouldn’t force families to delay essential protection. Term life insurance remains one of the most strategic, affordable ways to create financial stability—whether you live in Phoenix, Tucson, Prescott, or any surrounding Arizona community.

ASJ Insurance & Financial Services is here to help you secure your family’s future with clarity, confidence, and compassion.

✅ FAQ Section for Term Life Insurance During Economic Uncertainty

1. Why is term life insurance important during economic uncertainty?

Term life insurance provides affordable, high‑value protection when families are tightening budgets. It ensures your loved ones remain financially secure even if income becomes unstable.

2. Is term life insurance affordable for families on a budget?

Yes. Term life insurance is one of the most cost‑effective ways to secure large coverage amounts, making it ideal for families managing rising costs or reduced income.

3. What can the death benefit be used for?

Your beneficiaries can use the tax‑free benefit for income replacement, mortgage payments, debts, education costs, or long‑term financial stability.

4. How do I know what coverage amount I need?

ASJ Insurance & Financial Services helps you evaluate your income, debts, family needs, and long‑term goals to determine the right coverage amount.

5. What term lengths are available?

Most families choose 10‑, 20‑, or 30‑year terms, depending on their financial planning horizon and life stage.

6. Is the application process complicated?

Not at all. ASJ offers a streamlined, transparent application process with fast underwriting and guidance at every step.

7. Can term life insurance help protect my home?

Yes. Many families use term life insurance to ensure the mortgage is paid off if the unexpected happens.

8. What if I already have life insurance through work?

Employer coverage is often limited and not portable. Term life insurance ensures your family is protected even if you change jobs or lose employer benefits.

Insurance Jargons
The Ultimate Insurance Guide to Understanding Insurance Jargons: Demystifying Policy Terms

Insurance Jargons can sometimes feel like navigating a maze of unfamiliar terms and complex terms and words. From premiums to deductibles, policyholders are often faced with a barrage of terminology that can be confusing and overwhelming. However, understanding these terms is essential for making informed decisions about your insurance coverage. 

In this comprehensive guide, we’ll break down the key terms and concepts used in insurance policies, empowering you to navigate the world of insurance with confidence. [Ref: About ASJ Insurance]

1. Premium

The premium is the amount of money you pay to your insurance company in exchange for coverage. It is typically paid on a regular basis, such as monthly, quarterly, or annually. The premium amount is determined by various factors, including the type of coverage, the level of risk associated with the insured property or individual, and the insurer’s underwriting criteria.

2. Deductible

A deductible is the amount of money you must pay out of pocket before your insurance coverage kicks in. For example, if you have a $500 deductible on your homeowners insurance policy and file a claim for $2,000 in damages, you would be responsible for paying the first $500, and your insurance company would cover the remaining $1,500.

3. Coverage Limits

Coverage limits refer to the maximum amount of money your insurance company will pay for a covered loss. These limits can vary depending on the type of coverage and the specific terms of your policy. It’s important to review your policy carefully to understand your coverage limits and ensure they align with your needs.

Citation: According to a report by the Insurance Information Institute, inadequate coverage limits can leave policyholders vulnerable to financial losses in the event of a claim. [Ref: Underinsurance]

4. Policy Exclusions

Policy exclusions are specific situations or types of damage that are not covered by your insurance policy. These exclusions are outlined in your policy documents and typically include events such as acts of war, intentional acts of the insured, and certain types of natural disasters. It’s essential to review your policy exclusions to understand what is not covered by your insurance.

5. Riders and Endorsements

Riders and endorsements are additional provisions that can be added to an insurance policy to provide extra coverage or customize your coverage to meet your specific needs. Common riders include coverage for valuable personal property, identity theft protection, and increased liability limits.

Conclusion: Empowering Policyholders with Knowledge

Understanding insurance jargon is essential for making informed decisions about your coverage and ensuring that you have adequate protection against potential risks. By demystifying policy terms and concepts, this guide aims to empower policyholders to navigate the world of insurance with confidence and clarity.

Ready to explore your insurance options? 

Contact us at (623) 243-4000 to get a free quote for your home insurance needs today.

Disclaimer: This article is for informational purposes only and does not constitute legal or financial advice. It is recommended to consult with a qualified insurance professional to discuss your specific insurance needs and coverage options.

Could I Be a Victim of Identity Theft! What Do I Do Next?

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With the increased use of online shopping and many brick and mortar stores not having done enough to protect the consumer information stored on their servers. Anyone of us could be a victim of identity theft. It has happened more often than we would like to know. Last year it happened at Target and few other businesses. Below is the information you may find helpful on how to determine if you have become a victim. Below is the information on how to determine if you have become a victim. In addition, should you determine that your identity has been compromised; we have included recommended steps you may want to take to start the process of restoring your good name. For your convenience, we have included sample letters and forms you can use as guides for contacting various agencies regarding the identity fraud. (NZ4VCB6JK6N3)

How Can I Tell if I am a Victim of Identity Theft?

Monitor the balances of your financial accounts. Look for unexplained charges or withdrawals. Other indications of identity theft can be:

• Failing to receive bills or mail when expected could mean an address change bythe identity thief;

• Receiving credit cards for which you did not apply;

• Denial of credit for no apparent reason; or

• Receiving calls from debt collectors or companies about merchandise or services you didn’t buy.

Order a copy of your credit report from any of the three major credit bureaus. If at this time you feel you may be a victim, you should initiate a fraud alert. Once you receive your report, review it for accuracy. If you find inaccurate information, check your reports from the other two credit bureaus. Of course some inaccuracies could be because of clerical, computer, or other errors and may not be a result of identity theft. It may take 7-10 business days to receive your reports.

If you believe you are a victim, understand that it may take some time and effort to recover your name, but by following the recommended steps below, we are confident that you are on the right path to recovering your identity.

Recommended Steps 

1. Contact the Police

2. Contact the Three Major Credit Bureaus

3. Close the Accounts You Know or Suspect Involve Identity Fraud

4. Contact the Government Authorities

5. Keep A Record of Your Actions and Contacts

1. Contact the Police

By contacting the police they can start investigating the crime. You will also want to obtain a copy of the police report, the police report number and the name of the investigator. Many banks, credit card companies and other agencies you will need to contact may require this information as proof of a crime. When filing a police report, provide as much documentation as you can to prove you have been a victim of identity theft. Documentation including collection letters, credit reports, an Identity Theft Affidavit can help the police create a thorough report. If the identity fraud occurred while you were away from home, you may also need to file a report in the jurisdiction where the fraud actually occurred. Be persistent if needed. You may be told they cannot take a report. Be sure to let the police know that you need a report to provide to other agencies to resolve the identity dispute. If your local police will not file a report, contact the county and state police. You may also ask that they file a Miscellaneous Incident Report instead.

2. Contact the Three Major Credit Bureaus

Contact each of the three major credit bureaus to notify them you have been a victim of identity theft and request that your file be flagged with a “Fraud Alert.” Fraud Alerts expire, so you will want to ask how long the Fraud Alert will be in effect and how you can extend it if needed. You may also want to file a “Victim Statement” with the bureaus asking them to notify you before any new accounts are opened or any existing

accounts are changed in your name. This may identify if the perpetrator attempts to open additional accounts in your name. Request copies of your credit report from each bureau to review. If information contained within your report is inaccurate, you may dispute it and request it be changed. Request your credit report again in a few months. This will help you confirm if your requested changes have been made and may identify if your report has since changed without your knowledge. This may also identify additional identity theft occurring against you.

Equifax: Order Credit Report: 1.800.685.1111

Report Fraud: 1.800.525.6285

http://www.equifax.com

Experian®: Order Credit Report: 1.888.397.3742

Report Fraud: 1.888.397.3742

http://www.experian.com

TransUnionSM: Order Credit Report: 1.800.888.4213

Report Fraud: 1.800.680.7289

http://www.tuc.com

Tips for How to Read Your Credit Report

• Check to make sure you recognize all accounts listed in your report and that the balances are in line with your records.

• Check the section listing the persons and entities that have requested or received a copy of your report. If you do not recognize a person or entity, you may want to further inquire.

• Make sure there were no inquiries to your credit report for loans or accounts you did not apply for. If there are accounts you do not recognize, this may be a sign that an identity perpetrator has fraudulently opened an account in your name.

• Check the address section to confirm there are no addresses listed for places you have never lived. If there are addresses you do not recognize, this may be a sign that an identity perpetrator has redirected your mail.

• Make sure your Social Security number is listed correctly.

• Make sure the employment history lists accurate information.

• Make sure the information is consistent across the 3 credit bureaus.

• If you identify any incorrect or suspect information, contact the credit bureau immediately. If the incorrect or suspect information is linked to a particular creditor, you will want to contact that creditor as well.

3. Close the Accounts That You Know or Suspect Involve Identity Fraud

CHECKS : If your checks have been stolen or you suspect they have been misused, contact your financial institution for stop payments. Familiarize yourself with your state’s law concerning stolen and forged checks. You can contact your State Attorney General’s office or local consumer protection agency to find out about any laws in your state related to identity fraud. Most states hold the financial institution responsible for losses related to a forged check. However, it may be your responsibility to have notified the financial institution of the possible forgery in a timely manner.

• You may also want to contact the major check verification companies directly. These

companies can alert retailers who use their databases not to accept your checks. They are:

• TeleCheck: 1.800.710.9898

• Certegy, Inc.: 1.800.437.5120

• You can also find out if the perpetrator has been passing bad checks on your account by

calling SCAN at 1.800.262.7771.

CREDIT ACCOUNTS AND ATM CARDS

  •  Close your current credit accounts and cancel your ATMcards. Ask the financial institution or agency to send you a fraud dispute form to complete. If they do not have one, you may use the attached sample letter as a guide. When reopening new accounts, be sure to use new PINs to reduce the risk of future identity theft.
  • If your financial institution is not assisting you with resolving your issues with them related to the identity theft, you may contact the agency with the appropriate jurisdiction over your financial institution. If you are not sure what agency has jurisdiction over your particular financial institution, you can find out by visiting http://www.ffiec.gov/consumercenter.htm
  • If you suspect your investment or brokerage accounts have been altered without your permission, report it to the Securities and Exchange Commission. You can file a report using their online Complaint Center at w w w.sec.gov/complaints.htm l.
  • Keep in mind that each creditor may have their own processes in place for handling a case of identity theft. Therefore, be sure to specifically ask each creditor what their process is, what is expected of you, and what you can expect from them.

4. Contact the Government Authorities

Federal Trade Commission

Counselors at the FTC can take your complaint and provide additional helpful advice on how to proceed once you have been a victim of identity theft. Their website is full of tips and also provides information on how to find out what laws have been passed in your state pertaining to identity theft.

Federal Trade Commission

600 Pennsylvania Avenue, N.W.

Washington, D.C. 20580

1.877.IDTHEFT (438.4338)

TDD: 202-326-2502

www.consumer.gov/idtheft

Social Security Administration

 

The SSA Office of the Inspector General investigates allegations of identity theft. If you know or suspectyour SSN may be involved in the identity theft against you, you may want to contact the SSA to notify them, and to request a copy of your Social Security Statement.

SSA Fraud Hotline

P.O. Box 17768

Baltimore MD 21235

1.800.269.0271

Email: o i g.hotline@ssa.gov

U.S. Postal Inspection Service

The USPIS is the law enforcement entity of the U.S. Postal Service and is the entity that investigates identity theft – specifically if the identity theft involves stolen mail or other violations of the integrity of our mail service.

U.S. Postal Inspection Service

475 L’Enfant Plaza SW

Washington DC 20260

1.800.372.8347

www.usps.gov/websites/depart/inspect

5. Keep A Record of Your Actions and Contacts

Keep a file of documents related to the identity theft. You will want to include documents such as disputed bills, credit reports, police report, etc. Maintain a record of your telephone conversations with the persons and agencies you contact for assistance. Be sure to record the date and time of the call, the name and title of the person you spoke with, and the things you discussed.

Follow-up all telephone conversations in writing and send these letters certified with return receipt requested. Maintain a copy of this written correspondence for your file.

Maintain copies of any written correspondence you exchange related to the identity fraud. Keep original documents for your file; only mail copies.

Other Resources

Identity Theft Resource Center

P.O. Box 26833

San Diego CA 92196

1.858.693.7935

www.idtheftcenter.org

Privacy Rights Clearinghouse

P.O. Box 33752

San Diego CA 92103

1.619.298.3396

www.privacyrights.org

Victims Assistance of America, Inc.

P.O. Box 33752

Washington DC 20033

1.502.292.2456

www.victimsassistanceofamerica.org

Steps Toward Preventing Future Identity Theft

Be Aware. Monitor your financial statements regularly.

Obtain your credit reports from each of the three major credit bureaus once every 6-12 months . Review these reports for any inaccurate information, or any transactions that you were not aware of or did not authorize. Secure your personal information at home. Consider keeping your sensitive, personal information in a safe or other location accessible only by you. Ask about security measures in your workplace. Find out who can obtain your personal information through work, how your information is secured, and how they discard personal records. Avoid giving out personal information over the phone. Especially when the telephone call is initiated by another party. Identity thieves may pose as a representative of a legitimate organization with whom you do business and may contact you to “verify” your information. Be suspicious of providing personal information online. Identity thieves use a practice called ‘phishing’ where they send emails that claim to be from a legitimate source – such as a bank, government entity or your ISP – and ask you to update your account or personal information. Verify unsolicited email by calling the financial institution or government agency directly, or through a new Internet session. Carry only the information you need. Only take with you the credit cards you need, and avoid carrying your Social Security card.

Regularly review your recent Card account activity . Accessing your account online is a great way to stay up-to-date on recent charges.  Shred documents containing your personal information before disposing. Identity thieves have been known to “dumpster dive” to obtain documents with personal information that have been discarded.

You may obtain a paper shredder at any local office supply company. Have the Postal Service hold your mail if you are going to be gone for a few days or more. Since identity thieves have also been known to obtain personal information by collecting individual’s mail before they return home, it is a good idea to collect your mail as soon as possible and to have the Postal Service hold your mail at the post office if you are planning on being away for any period of time. Another way to prevent account information from being stolen in the mail or from the trash is to reduce the amount of paper with account references.

Act fast! Any protections you have are stronger if you act quickly to try to correct potential identity theft.

P.S. We have sample letters that you can use if you were a victim of Identity Theft. Please contact us at (623) 243-4000. We will be happy to email the sample letters to you.

Content for this article obtained from American Express website.

Is your rental property covered when it’s under renovation?

If you’re planning on remodeling, don’t make the mistake of renovating without the proper insurance coverage.

Whether you’re adding a new room, finishing a basement or expanding a deck in the backyard, you should speak with your insurance company to determine if you need to adjust your policy. There are three basic reasons for this:

  1. When you make additions or improvements to your home, you increase its value. If something happens to your home during renovation or after you’ve completed the work, you’ll be covered for the higher amount of your home’s value.
  2. Protection of your financial assets if you or someone else is injured while working on your home. 
  3. If your property is vacant or unoccupied while under renovation, coverage may be restricted or unavailable.

Foremost® has you covered.

Some insurance companies aren’t comfortable covering homes while under renovation. You can count on Foremost to provide the coverage you want while making improvements.

Not sure what your policy provides? Don’t leave yourself vulnerable to financial loss when you’re having home renovations done. Call me to discuss a Dwelling Fire policy from Foremost.

Product availability is based on authority and all products may not be available in all areas.

This does not constitute legal advice. For a complete list of the specific landlord and tenant laws in your state visit http://www.landlordassociation.org/statelaws.html, or for legal advice, speak with a real estate attorney.

ASJ Insurance & Financial Services Inc. offers effective solutions for your insurance needs and offers insurance products from many different companies including Foremost. We can be reached at (877) 275-2201 or visit us online www.asjinsurance.com .

 

Biking with a passenger

Anyone who has ridden a motorcycle knows that it can be exhilarating and fun. And there are times when a biker may want to travel with a passenger. Riding with a passenger can be a great experience for both the driver and the passenger, but it is important that the proper preparations are made to ensure your safety.

The most important thing to remember when considering riding with a passenger is that both of you must be comfortable. You should be an experienced motorcyclist and comfortable with your skills and your bike before adding a passenger to the mix. If your riding companion is scared or nervous, it can make a big difference in the way they react, which can affect the bike’s handling. The passenger must be able to relax and work with the driver. The passenger should also be alert and act as another set of eyes and ears out on the road. The first step in making a passenger feel comfortable is a prepared driver.

Start by making sure your bike is capable of carrying two people. You may need to adjust your suspension to accommodate the extra weight, so check your owner’s manual before heading out. Be sure you have a seat that can comfortably accommodate two. In addition, talk to your passenger about what their responsibilities are out on the road. Don’t assume they know.

 

Before Riding

  • Protective Gear – Make sure your passenger knows that they need to wear a helmet, jacket, gloves, boots and long pants if they are going to be riding with you. The proper attire can help reduce the risk of injury in the event of an accident.

 

  • Mounting – Explain to your passenger that the rider mounts first, gets the bike pointed in the right direction and has the bike completely under control before the passenger mounts. The passenger should always mount and dismount the bike from the left side by first putting a foot on the peg and then swinging the other leg over the seat. They should try to keep their weight as evenly distributed as possible.

 

  • Feet on the Pegs – Once on the bike, it’s important that the passenger keep both feet on the pegs at all times, unless the driver indicates otherwise. If the rider takes their feet off the pegs, it can throw off the distribution of weight and cause the bike to tip. In some states, the law requires foot pegs for passengers, so make sure you know what the guidelines in your state are before you head out.

 

During the Ride

  • Practice – Let your passenger know that their added weight can cause the bike to handle differently. Find a large parking lot or a straight section of road and take the time to practice braking and stopping so both you and your passenger can get used to the feel of it.

 

  • Braking – Weight distribution will change as the bike comes to a stop. The quicker the braking, the more sudden the change in weight distribution. As you come to a stop, your passenger will automatically lurch forward. To minimize the effects of the shift in weight, make sure your passenger keeps their feet on the foot pegs and holds on to the driver around the waist, at the hips or by the belt. As the driver, you should leave plenty of time for braking to avoid abrupt stops.

 

  • Leaning – Instruct your passenger to lean with the bike while turning or around corners. They should lean gently and avoid sudden movements. The passenger should hold on to the driver and move with the movement of the bike and driver. If your passenger has never ridden a cycle before, you should not take any high-speed turns until they understanding leaning and can do it properly.

 

  • Turning – When turning, it is important that the passenger move with the driver and help maintain the stability of the bike. Again, this is best accomplished by having the passenger hold on to the driver, counterbalance to keep the weight evenly distributed and avoid any abrupt movements.

 

  • Stop Often – Be sure that both you and your passenger have ample opportunity to get off the bike, stretch your legs and enjoy the scenery. It will help keep both of you alert and make he ride more enjoyable.

Riding with a passenger can be safe and fun if you provide these tips to your passenger, talk through their responsibilities and yours, and practice until you’re both comfortable before heading out on the road. If your passenger moves in synch with the bike and the driver, maintains evenly centered weight distribution, holds on to the driver and is relaxed and comfortable, you can have a great time riding. But remember, it all starts with a prepared driver who is confident and in control.

Before heading out on the road, alone or with a companion, you should also make sure you have the right insurance policy to protect you from the unexpected. The companies of the Foremost Insurance Group have been providing specialty insurance programs for over 50 years and they have the experience and expertise to offer a superior motorcycle insurance policy. A Foremost policy offers things like Safety Apparel Coverage, Optional Equipment Coverage, Towing and Roadside Assistance including Trip Interruption Coverage, flexible payment plans and money-saving discounts. Foremost has specially-trained claims representatives that handle only motorcycle and off-road vehicle claims – it’s not just one of the things they do, it’s all they do. We have the experience and expertise to handle claims quickly and fairly.

For more information about a specialized Motorcycle insurance policy from Foremost, call (877) 275-2201 or visit www.asjinsurance.com. Foremost can offer with the Motorcycle program or any of our other specialized programs for off-road vehicles, mobile homes, motor homes, travel trailers, personal watercraft and boats!

Protecting Your Motorcycle Against Theft

According to National Insurance Crime Bureau statistics, motor vehicle thefts are on the rise, and among the vehicles being targeted are motorcycles. It’s one thing to have your property stolen, but if it is something you love and have become attached to, that is a different story altogether. And only 25% to 30% of motorcycles are recovered after theft. Thieves steal motorcycles to resell the whole bike or to strip it down and sell the parts. The fact that motorcycles are small and relatively easy to move makes them particularly vulnerable to theft. Smart thieves will find a way to steal your bike if they really want it, but there are things you can do to protect your investment and make your motorcycle less appealing to a thief. You can make it bothersome for them to try to steal it. There are several relatively simple and inexpensive ways to help protect your motorcycle from ending up in the back of a thief’s van. One of these methods alone might not be enough to deter a determined thief, but using more than one – or better yet, several – of these methods just might make the difference in whether a thief stops at your house or keeps going. Keep Your Bike Out of Sight The best bet is to keep your motorcycle in a locked garage. For some people, this might not be an option. If you have to keep your bike parked outside, start by keeping it in a well-lit area and out of direct view from the street. It should be covered with a plain cover that is free of logos or brand names. If the thief can’t tell by the cover what type of motorcycle is underneath, they may be more inclined to pass it over. In addition, you should keep the cover locked to the bike with a cable lock. However, this won’t prevent a thief from picking up the whole bike and taking it, cover and all. That’s why it is important to use this in conjunction with other security measures. Lock Your Bike to a Stationary Object Even if you have your bike in a locked garage when not in use, it is a good idea to also have it locked to something immovable. One method would be to cement a steel eye to the floor to put a chain or cable through. When using a chain or cable lock, be sure to loop it through the frame or another stable part of the bike. When you’re out riding and leave your bike parked outside, always use your steering lock – this is your first step of defense. In addition, you should use two or more locks of different types. If possible, park your bike where you can see it and check on it periodically. Make Good Lock Choices When choosing locks, it’s not a good idea to spare expense. Choose good locks. Types of locks include serpentine link locks, u-locks and chains. Record key numbers and then file them off the locks if they are stamped on them. Locks attached to your bike should not touch the ground. If a lock is lying on the ground, it is easier for a thief to use a hard item to pound the lock until it breaks. Even if you keep your motorcycle in a locked garage, it’s always a good idea to look around to make sure you’re not providing a thief with the tools to dismantle your locks. There are usually a lot of tools in a garage and with time and determination, a thief will be able to remove the locks from your bike. Other Devices There are several new mechanical devices that can help ensure you’ll find your bike where you left it. Many dealers are now selling motorcycles with alarms as a standard feature, as well as similar anti-theft devices. An alarm alone is not an effective deterrent, but in combination with other methods, a wailing alarm is liable to make a thief think twice. Even if your motorcycle isn’t equipped with an alarm, you can get stickers that say that there is an alarm installed and put them on your bike. You can also purchase anti-prying devices, pick-resistant mechanisms or you can install one or more kill switches to make the motorcycle impossible to start. Common Sense The best way to protect your motorcycle from theft is to use common sense. Don’t leave the keys in the ignition or anywhere within close proximity to the bike. Make sure that you choose the safest places possible to park or store your bike. And don’t lock your bike down to something that can easily be moved or broken and assume it’s still going to be there when you come back. Insure Your Investment In addition to being confident that you are doing what you can to protect your motorcycle, it’s important that you have the right insurance. You need an insurance policy that offers the coverage’s that are important to your specific bike and lifestyle. If you think your motorcycle is adequately covered when you add it through an endorsement on your homeowner’s policy, chances are you’re mistaken…a lesson that you don’t want to learn first-hand come claim time. Important things to look for when choosing a specialized insurance policy for your motorcycle are things like: • Safety Apparel Coverage to protect your investment in helmets, leathers, gloves and any other clothing designed to minimize injury in the event of an accident. • Optional Equipment Coverage for chroming, custom painting, side cars or anything else that was not included as standard by the manufacturer. • Optional Towing and Roadside Assistance in case your bike breaks down and can’t be ridden when you’re away from home or you run out of gas, get a flat or have mechanical issues. • Optional Replacement Cost Coverage on bikes purchased new and insured within 30 days. • Flexible payment plans so you can choose the plan that best fits your budget. • Deductible and coverage limit options. • Premium discounts. The Foremost Insurance Group of companies provides all of these important coverage’s and more in our specialized Motorcycle insurance program. Foremost has been in the specialty insurance business for over 50 years and we understand that you want to protect your investment. Foremost has specially-trained claims representatives that handle only motorcycle and off-road vehicle claims – it’s not just one of the things they do, it’s all they do. We have the experience and expertise to handle claims quickly and fairly. For more information about a specialized Motorcycle insurance policy from Foremost, you can call 1-877-275-2201 Or visit www.asjinsurance.com and see what Foremost can offer through the Motorcycle program or any of our other specialized programs for off-road vehicles, mobile homes, motor homes, travel trailers, personal watercraft and boats!

New Car and Insurance Costs

Often when potential buyers are shopping around for a new vehicle, they tend to pay attention solely to the price tag instead of the overall package, which of course should include auto insurance.

According to Bankrate.com, the typical factors that are taken into consideration include gas mileage, vehicle size, comfort, and even the type of stereo included in the purchase. The question that is all too often omitted is “what is the cost of insurance?”

Not to mention, a quick call to your local auto insurance agent very well may assist in narrowing your choices. It also may help avoid the aftershock of additional costs once you get home and have already purchased your new vehicle.

Spokesman for the Insurance Institute for Highway Safety, Russ Rader, stresses the impact of make and model of your vehicle on a typical insurance bill. Most people think that only your personal driving record, zip code, and the demographics of the drivers in your household are taken into consideration; however, there are additional factors that are taken into consideration as well, including the exact car you choose to drive.

Insure.com recently conducted a survey to find out what the most expensive, as well as the least expensive cars to insure were and their findings are not entirely shocking.

If you are looking for an all around reliable, four-cylinder sport utility vehicle that is also cheap to insure, than look no further than the Mazda Tribute. This vehicle will only cost you $89.19 per month (on average).

Another incredibly affordable vehicle to insure is the $21,695 price-tagged Hyundai Santa Fe. The annual cost of insurance for this exact car on average is just $832.

Also on the list of low insurance price tags include vehicles made by SCION, Smart Car, Honda, Suzuki, Kia, and Lincoln.

On the contrary, if you happen to have a steady cash flow and are in a position where you can afford expensive insurance, then the Porsche 911 GT2 may be your future vehicle of choice.

Although you should be prepared for an annual insurance bill of nearly $2,943.78, this sleek Porsche tends to still be very approachable and appealing to auto buffs. Its ability to be maneuvered with ease, allows this expensive beauty to still be worth every penny.

Other makers of high-insurance vehicles include Mercedes-Benz, BMW, Audi, and Jaguar.

While Insure.com was creating this survey they also came across another interesting fact. Auto insurance is currently most expensive in the states of Washington, New Jersey and Louisiana.

Their entire study was based around a 40-year-old male driver with a 12 mile commute to work. The quote was factored around a policy with limits of $100,000 for injury liability for one person, $300,000 or all injuries and $50,000 for property damage in case of an accident.

Luckily, for drivers in both Arizona and California we are not among the states with the highest insurance premiums; however, if you are looking for auto insurance in either state please visit ASJ Insurance & Financial Services Inc.’s website www.asjautoinsurance.com today for a quick and easy auto quote or call them at (602) 212-1048 or (877) 275-2201.

ASJ Insurance & Financial Services Inc. represent many reputable insurance companies like The Hartford, MetLife Auto & Home, Travelers, Progressive, Infinity and other companies and are sure to find you coverage that fits your need and budget.