Licensed Insurance Professionals
Life Insurance &
End-of-Life Benefits
Explore your options and understand what coverage may be right for you and your family.
Life insurance can play an important role in your overall financial plan. Whether you are looking to help provide for loved ones, explore tax-advantaged growth potential, or plan for end-of-life expenses, our licensed agents can walk you through the options and help you find coverage that fits your situation.
Coverage Options
Review term, whole life, and other policy types to find what may work for your family's needs and goals.
Tax-Advantaged Potential
Certain permanent policies may offer tax-deferred cash value growth. We can help you understand how this works.
End-of-Life Planning
Explore benefits that may help cover final expenses and ease the financial burden on those you leave behind.
RJP-AZ, LLC is licensed to offer insurance products. Representatives who discuss these products hold individual licenses. The appropriateness of any policy depends on your individual goals, circumstances, and needs.
What Life Insurance Can Do for Your Family
The difference between having appropriate life insurance coverage and leaving your family without it can be significant. Here is what each scenario may look like.
Without Adequate Coverage
- Your family may need to cover mortgage payments, debts, and daily living expenses without your income
- Children's education funding and future plans could be at risk without a financial safety net
- Final expenses, including funeral and medical costs, can place a sudden burden on loved ones
- A surviving spouse may need to make major life changes during an already difficult time
- Business obligations and outstanding commitments may fall to family members unprepared to handle them
With Appropriate Coverage
- A death benefit may help replace lost income and give your family time to adjust financially
- Coverage can be structured to help fund education or other long-term goals for your children
- Final expenses can be addressed without draining your family's existing resources
- Your spouse may have more flexibility to make decisions on their own timeline
- Business succession plans can be supported with appropriate coverage to help protect partners and employees
Term Life Insurance
Provides coverage for a specific period, such as 10, 20, or 30 years. Term policies are typically straightforward and may offer an affordable way to help protect your family during key years.
Permanent Life Insurance
Designed to last your entire lifetime and may include a cash value component that can grow on a tax-deferred basis. Whole life and universal life are common types of permanent coverage.
Final Expense Coverage
A smaller whole life policy specifically designed to help cover funeral costs, medical bills, and other end-of-life expenses so your family is not left with unexpected financial obligations.
How the Process Works
Working with RJP to explore life insurance options is straightforward. Our licensed agents guide you through each step so you can make informed decisions about coverage.
Free Discovery Conversation
We start by understanding your situation: your family, your financial goals, and any existing coverage you may already have. This conversation helps us identify what type of policy may be appropriate for you.
Coverage Assessment
Our licensed agents help you evaluate how much coverage may be appropriate based on your family's financial needs, outstanding obligations, and long-term goals. We review multiple policy types and carriers to present options that may fit your budget.
Policy Comparison
We walk you through the features, benefits, and costs of each option side by side. You will see exactly what each policy covers, what it costs, and how it works over time so you can compare with confidence.
Application and Underwriting
Once you have selected a policy, we help you through the application process. This may include health questions or a medical review depending on the type of coverage. We handle the coordination so you do not have to.
Ongoing Policy Review
Life changes, and your coverage should reflect that. We offer periodic reviews to help ensure your policy still aligns with your needs as your family and financial situation evolve over time.
Frequently Asked Questions
Life insurance can feel complicated. Here are answers to some of the questions we hear most often from families exploring their options.
Every situation is different, so these answers are general in nature. For guidance specific to your circumstances, we encourage you to speak with one of our licensed agents.
What is the difference between term and permanent life insurance?
Term life insurance provides coverage for a set period (such as 10, 20, or 30 years) and typically has lower premiums. Permanent life insurance is designed to last your entire lifetime and may include a cash value component that can grow over time. The right choice depends on your individual needs, budget, and financial goals.
How much life insurance coverage do I need?
There is no one-size-fits-all answer. Coverage needs depend on factors like your income, outstanding debts, number of dependents, and long-term financial goals. Our licensed agents can help you evaluate your situation and determine an amount that may be appropriate for your family.
What does tax-deferred cash value growth mean?
In certain permanent life insurance policies, the cash value component may grow without being taxed each year. You typically do not pay taxes on that growth unless you withdraw funds or surrender the policy. This feature can be one part of a broader financial strategy, though individual results vary based on the specific policy and its terms.
Can I get life insurance if I have health concerns?
Many people with pre-existing health conditions can still obtain life insurance. Coverage options, premiums, and availability may vary depending on your specific health history. Some policies require a medical exam while others may offer simplified or guaranteed-issue underwriting. We can help you explore what options may be available.
What are end-of-life benefits?
End-of-life benefits can include a range of services and financial support options, such as hospice care, palliative care, and funeral expense coverage. These benefits may be available through insurance policies, government programs, or employer benefit packages. Understanding what is available to you based on your individual circumstances is an important part of planning ahead.
How does life insurance fit into estate planning?
Life insurance can complement your estate plan in several ways. The death benefit may help provide liquidity to cover estate-related expenses, fund a trust, or help ensure your beneficiaries receive support in a timely manner. Our team works alongside your estate planning documents to help coordinate coverage with your broader financial plan.
Is RJP a life insurance company?
RJP Estate Planning is not an insurance company. RJP-AZ, LLC is licensed to offer insurance products and its representatives hold individual licenses to discuss and facilitate insurance transactions. We work with multiple carriers to help you find coverage options that may be suitable for your needs.
Does the consultation cost anything?
No. Your initial discovery conversation with one of our licensed agents is complimentary. We will discuss your situation, answer your questions, and help you understand your options before you make any decisions. There is no obligation to purchase a policy.
RJP-AZ, LLC (RJP Estate Planning) is licensed to offer insurance products and receive commissions for those products. Its representatives who discuss these products with you hold individual licenses. The appropriateness of any policy depends on your individual goals, circumstances, and needs.
The Planning Consultants at RJP Estate Planning provide services in the areas of estate planning, planning with wills and trusts, asset protection, probate avoidance, probate & estate administration, long-term care planning, Medicaid planning, asset protection from Medicaid, veterans benefits, charitable planning, special needs, estate tax planning, and business succession planning. They serve clients and their families throughout Scottsdale, Phoenix, and Sun City, Arizona, and the surrounding cities and towns.
RJP Estate Planning is not a law firm, cannot give legal advice, and does not prepare legal documents. For legal services, clients separately consult with an estate planning attorney or law firm.
RJP-AZ, LLC (RJP Estate Planning) is licensed to offer insurance products and receive commissions for those products. Its representatives who discuss these products with you hold individual licenses.
Securities are offered through CoreCap Investments, LLC, a registered broker-dealer and member FINRA/SIPC. Advisory services are offered through CoreCap Advisors, LLC, a registered investment advisor. RJP Estate Planning and RJP-AZ, LLC are separate and unaffiliated entities and are not affiliated with CoreCap Investments or CoreCap Advisors. Representatives that offer these services hold the required licenses.
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