Life insurance policies for business partners in Prescott are crucial. Adler Insurance explains why…

The death of a business owner can be one of the hardest events for a small business to work through. Besides the personal loss, there’s the practical loss of a key asset and the question of ownership going forward.  Adler Insurance explains why having life policies in place for all partners of your business in Prescott is important.

1.     A life insurance payout can provide operating cash to get the company through a tough time.

2.    It can also help the surviving owners buy a late partner’s share from his or her heirs.

3.    It may be hard to qualify for an additional business loan with one partner gone.

4.    Without a life policy to fund a buy out, you might find yourself partnering with your late partner’s kids.

5.    It is important to pick a policy that will cover the time you need it for.

6.    It is a good rule of thumb to purchase more life insurance coverage than you
think you might need.

7.     Your policy premiums can be expensed from the business.


If you have one partner or a few, you can see that life insurance policies on all partners involved is highly recommended. 

We hope you found this information helpful.  Adler Insurance would love to assist you in making your Life Insurance decisions in Prescott.  Please don’t hesitate to call 928-710-1455 or visit our website at http://www.AdlerLifeHealth.com today!

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Adler Insurance explains the different types of life insurance in Prescott

Having life insurance in Prescott is very important.  You want to make sure your family will be taken care of should something unfortunate happen to you.  But where do you start?  Finding the right life insurance policy can be very complicated and time consuming. Adler Insurance explains some of the different life insurance policy types they can provide you.

Term Life – A term life policy covers you for a "term" or period of your life.  They usually have lower premiums for higher coverage compared to whole life policies.  However, rates can change after specific terms expire. There is also no equity and cash value.

Whole Life – Our whole life policies give you protection your whole life, not just for a short period of time.  They can build equity and have cash value over the lifetime of the policy.  They do tend to have higher premiums than a term life policy, but they can be more valuable in the long run.  Some people look at them as more of an investment vehicle versus a life insurance policy.

Term and Whole Life combined –  This strategy works well for those that only need a higher coverage amount for a period of time.  IE:  Mortgage coverage.  But, after that period of time, they only need a smaller amount.  This strategy lowers the premium, yet allows you to still have some permanent coverage.

As an Independent Life Insurance Broker, we can find you the best policy and price to fit your specific needs.  Here are some of the companies we use:

• EMC National Life
• West Coast Life
• Mutual Of Omaha
• ... and many more

Adler Insurance would love to help you with your Prescott life insurance needs.  Please call 928-710-1455 or visit our website at http://www.AdlerLifeHealth.com to learn more.

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Life Insurance ... Do you really need it?

No one wants to admit that they could die unexpectedly. But the last thing you want is to be unprepared by not having the proper life insurance policy in place should disaster strike. Adler Insurance brings you these wonderful tips on Life Insurance.

There are two types of life insurance.

1.Term Life Insurance
2.Whole Life Insurance

The difference between whole and term is that whole is a lifelong policy with an added investment component to it, where you can build up cash tax-free. However, the built-in fees, commissions and surrender charges if you cancel the policy take such a significant chunk out of your investment that most personal-finance experts agree there are better places to invest your money. With term life insurance, in exchange for fixed premiums that you pay monthly, you are covered for a set number of years and only receive death benefits.

While some life insurance agents aim to guide you toward whole life insurance over term life insurance, term makes sense for some people. Term coverage is the appropriate coverage for most individuals, as their needs are for a certain term of years while their other assets accumulate, such as retirement savings and/or Investment portfolios.

There are a few select circumstances where you might be better off with whole life insurance. For example, if you have children who are handicapped and will be financially dependent on you their whole lives, you may want to consider the permanent coverage.

Americans struggling with their finances in today's downtrodden economy may think they can save money by skimping on life insurance. Approximately 30 percent of U.S. households have no life insurance coverage and among households with children under 18, over 11 million have no coverage.


For parents who still have children living at home, not having a life insurance  policy could put their kids at risk if something were to happen to them. In the  event that a parent die, a life insurance policy can provide a safety net for  the children to live off of.  So you purchase a term insurance policy to  cover your spouse or your kids, but then what?  Once the child is grown, most people can let the policy expire.


If you are looking to purchase a life insurance policy, or have questions about where to begin, please contact Adler Insurance 928-710-1455 or visit our website at http://www.AdlerLifeHealth.com

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I’m healthy, why should I pay for health insurance? Adler Insurance in Prescott.

Why it might sound counter intuitive for a healthy person to keep a health insurance policy, Adler Insurance would like to share why healthcare is important even to healthy individuals.

It’s the law:

Probably the most logical reason to keep or acquire healthcare is that it's required for all Americans to obtain health insurance under the Affordable Care Act (Obamacare). Not having healthcare will result in a hefty penalty that will be determined by your taxable income.

You can’t predict the future.

In all honesty, you'll never know what is going to happen in the future. It is possible that you can get sick or even get a deadly disease. Without health insurance, the expenses would pile up very quickly. Some Americans have even died because they where unable to pay for the medical care they desperately needed.

If would be cost effective in the long run.

If you have health insurance you will be more likely to get regular checkups, in which would make it easier to spot potential health issues down the road. Prevention now could prevent a medical crisis in the future.

It’s considerably cheaper to purchase healthcare when you’re healthy

The healthier you are right now the cheaper your premiums will be. If you already have an illness, your coverage costs could go way up. That is why it could be important to keep health insurance when you are healthy because you might not be able to afford it when you have a major decease or illness.

At Adler Insurance, our experienced agents can help you with all your health insurance needs in Prescott AZ. We have an experienced staff evaluating our clients’ situations and can find heath insurance coverage that will meet your needs and stay within your budget. Contact us at 928-710-1455 or visit our website at: http://www.adlerlifehealth.com/

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Medicare Advantage Plan, Adler Insurance of Prescott

Adler Insurance would like to share the benefits of the Medicare Advantage plan and why it may save you money. If you are still enrolled in the original Medicare plan, it may be costing you unnecessary out-of-pocket expenses. This is because the original Medicare plan had no cap on your annual out-of-pocket exposure.

If you do not have a Medicare Advantage plan (also known as Part C), it is a lower-cost alternative plan that also offers more benefits then the old Medicare plan. Most people over the age of 65 are eligible for the Medicare Advantage Plan, there is usually no medical questions asked when applying for coverage.

The nice thing about the Medicare Advantage plan is that it includes benefits provided by Part A and Part B, as well as a slew of additional benefits, like prescription drug coverage. A very important benefit of Part C, is that it is usually less expensive and offers predictable costs. Plan C includes a set co-payment and out-of-pocket maximums so there is no guess work. There are no surprise medical expenses.

Many Medicare Advantage Plans are what are Fee-for-Service Plans, which means that there is a co-payment charged for most services, including office visits, tests, treatments, and hospitalizations. A yearly limit to the amount you can be charged in co-payments for in-network medical services are normally covered under Medicare Parts A and B.

Medicare Advantage Plan Part C lets you go to any doctor that accepts your plan. Most Medicare Advantage Plans include a wide variety of services:

    X-Rays
    Laboratory Tests
    Therapies
    Care From Specialists
    Hospital Admissions
    Follow-Up Care

At Adler Insurance, we are experts when it comes to Medicare Advantage Plans in Prescott Valley, AZ. We have the most experienced agents evaluating our clients’ situations and can recommend insurance coverage that will meet your needs and stay within your budget. Contact us at 928-710-1455. Visit our website at: http://www.adlerlifehealth.com/

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Having trouble finding the ideal life Insurance plan? Adler Insurance in Prescot can help!

Term life insurance, whole life insurance, universal life insurance, variable life insurance, survivorship insurance... the list and combinations seem to be endless. At Adler Insurance we want to help you determine which insurance policy type is right for you. Our dedicated team of professionals understands the Arizona market and its regulations. We can find the right plan that will fit your unique needs.

Term and Whole Life Insurance

This type of insurance will cover you or a group for a "term" or period of your life. With this class you will get lower premiums for higher coverage. Be aware that rates can change after specific terms expire. Term life insurance has no equity and cash value.

With whole life insurance, protection carries with your whole life for a set premium. This class can actually build equity and has a cash value. Be aware that whole life insurance has higher premiums than term life, but can be more valuable in the long run.

You can also get a hybrid in which Term and whole life combined into one plan, this will build a lifelong base of whole live coverage and can supplement specific times of your life with term insurance.

We have many Life Insurance Providers to choose from:

• EMC National Life
• West Coast Life
• Mutual Of Omaha

We are committed to helping you understand the complexities of life insurance plans and providers. With our knowledge and dedication to customer service, we will provide you with the most comprehensive life insurance plans at affordable rates.

It is our goal to help you make a wise decision about your life insurance coverage. We're experts when it comes to evaluating your insurance needs, and are here to help you. Contact us at 928-710-1455. Visit our website at: http://www.adlerlifehealth.com/


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