Independent agency in Peoria, Arizona. Strategic Insurance Agency Alliance member.
Independent agency in Peoria, Arizona. Strategic Insurance Agency Alliance member.
Life insurance provides financial security for your loved ones and can even offer living benefits during your lifetime. We will explain the difference between term and permanent in plain language before anyone talks about a premium.
At a glance
Life insurance at a glance
Term life
Affordable coverage for a set period with high death benefit amounts.
Permanent life
Lifelong coverage with fixed premiums and the potential to build cash value.
Living benefits
Options that allow policyholders to borrow against or invest their policy's value.
What sets the premium
Age, health, tobacco use, the benefit amount and, for term, the length of the term.
The one thing that only gets worse
Age. Every year of waiting costs something.
5.0 on Google and Facebook
A growing list of carriers
SIAA member agency
A local agent who picks up
Start here
Life insurance comes in two shapes and almost every product on the market is a variation of one of them. Term covers you for a set number of years and then ends. Permanent covers you for life and builds a cash value along the way. Everything else is detail.
Term is the one most families need most of the time. It is priced to cover a window: the years while there is a mortgage to pay, children at home, and an income the household depends on. It buys the largest death benefit per dollar of premium, by a wide margin.
Permanent costs more for the same death benefit because it is not just insurance, it is insurance plus a cash value that accumulates. That makes it the right tool for a narrower set of jobs: lifelong obligations, estate planning, a special needs dependent, or a business succession.
Living benefits are the piece most people have never heard of. Some policies let you access a portion of the benefit while you are alive under defined conditions. It is worth understanding what a given policy actually offers rather than assuming.
What we offer
This is the live product list, unchanged. What differs between carriers is underwriting: how they treat your health history, your job and your hobbies.
602-480-6453Life
Declarations
Term Life Insurance
Affordable coverage for a set period with high death benefit amounts.
Usually written to cover the years with a mortgage, dependent children and a working income.
Permanent Life Insurance
Lifelong coverage with fixed premiums and the potential to build cash value.
The right tool for obligations that do not expire on a schedule.
Living Benefits
Options that allow policyholders to borrow against or invest their policy's value, and in some cases access part of the benefit during a qualifying illness.
Illustration of how a declarations page is laid out. Not a real policy.
The shape of the decision
Term covers a stretch and then stops. The trick is matching the stretch to the obligation: a thirty year mortgage taken this year, or the years until the youngest child finishes school and starts earning.
Permanent does not stop. That is worth paying for when the obligation does not stop either, and it is worth being honest about when it does.
Whether you are starting a family, buying a home, or planning for the future, life insurance can be an important part of your long-term financial strategy. The number most people land on is some multiple of income plus the mortgage balance plus what it would cost to get the children through school, minus what is already saved. We will work through that with you, at your pace, rather than quoting a round figure.
Two products, two shapes. Term buys the largest benefit per dollar for a defined stretch. Permanent buys coverage that does not expire, plus a cash value.
Why Shield of Faith
Nobody enjoys thinking about life insurance, and we understand that. As an independent agency we are not paid to steer you to one company's product, so we can compare carriers on the thing that really moves a life premium: how each one reads your health and your history.
Life insurance is the product where the gap between an honest agent and a commissioned one shows most clearly, because the expensive option and the right option are frequently not the same option. Our default recommendation for a young family is term, and we will tell you why in the first five minutes.
The questions we start with
Who depends on your income, and for how many more years
What is left on the mortgage, and what would it cost to keep the house
What is already saved, and what would be available immediately
Are there obligations that do not expire, such as a dependent who will always need support
Does your employer's group policy travel with you if you change jobs
Underwriting varies more between carriers on life than on any other line. A health history that one carrier rates hard, another may treat as standard. That is the whole reason to have many carriers to choose from.
Both are real products with real uses. The mistake is buying one while thinking you bought the other.
Term life
Largest death benefit per dollar of premium, by a wide margin.
Covers a defined number of years and then ends, with no cash value.
Fits the years with a mortgage, dependent children and a working income.
Can often be converted to permanent later without new medical underwriting.
Permanent or whole life
Coverage for life as long as the premium is paid, with fixed premiums.
Builds a cash value you can borrow against, which is the point of the extra cost.
Costs meaningfully more for the same death benefit.
Fits estate planning, lifelong dependents and business succession.
In their words
5.0 stars across Google and Facebook
“
I had a great experience with Shield of Faith Insurance! Mena took the time to understand our family's needs and explained each part of the coverage clearly. He helped us set up a home insurance policy with stronger protection and bundled it with our auto insurance for a package at a lower cost. What stood out most was his honesty and patience, he focused only on what truly benefited us, making the whole process simple and stress-free. We now have better coverage and peace of mind thanks to Mena. Highly recommend!
HK
Hanna K.
Google and Facebook
Great experience with this insurance agent! He helped me find a good price for my car insurance and made the whole process easy and stress-free. Very helpful, honest, and professional. Highly recommend!
Ramez Y. · Google
Shield of Faith Insurance made getting renters insurance simple and affordable, after talking to a few other brokers, they were the ones who helped me get the best coverage with no stress!
Ahmad F. · Google and Facebook
I had a really good experience working with Shield of Faith Insurance. I needed new rental insurance as I was moving apartments. I got sent details on the policy next day and all I had to do was sign the forms. I ended up with a really good deal and saved about 20% compared to my old policy. I reached out to him again about auto insurance as well. I have had Geico for over 5 years and my premiums had only gotten more expensive. He somehow ended up getting me more coverage for half the price I was paying before. The entire process was easy and Mena was very responsive to email and text. Would highly encourage you to take a look and see what type of deals he can make for your insurance policies.
David G. · Google
I had a fantastic experience with Shield of Faith Insurance! Mena was incredibly patient and took the time to walk me through every detail of the coverage options. He made sure I understood the benefits clearly and only recommended what truly made sense for my specific situation. Thanks to Mena, I now have an auto policy that provides much better coverage at a significantly lower cost than what I was paying before. The entire process was smooth and efficient. He handled most of the backend work, which saved me a lot of time and hassle. If you're looking for an honest, knowledgeable, and helpful insurance agent, I highly recommend Mena at Shield of Faith Insurance!
Sara Z. · Google
Every review above is quoted in full from Google or Facebook. Read all of them.
How much life insurance do I need?
A common starting point is a multiple of your annual income, plus the outstanding mortgage, plus what it would cost to get your children through school, less what is already saved and available. It is a calculation worth doing properly rather than picking a round number, and we will do it with you.
What is the difference between term and whole life insurance?
Term covers you for a set number of years and pays a death benefit if you die during that period. It has no cash value. Whole life, a form of permanent insurance, covers you for life with fixed premiums and accumulates a cash value you can borrow against. Term buys far more death benefit per dollar; permanent suits obligations that never end.
What are living benefits on a life insurance policy?
Living benefits are options that allow a policyholder to access value from the policy while alive, either by borrowing against accumulated cash value or, on some policies, by accessing part of the death benefit during a qualifying serious illness. What is available varies by policy, so read the specific contract.
Do I need a medical exam?
It depends on the carrier, your age and the amount of coverage. Some policies are issued with no exam based on your answers and available records; others require a short paramedical visit. We will tell you which of the options on the table involve an exam before you apply.
Is the life insurance from my job enough?
Group coverage through an employer is a real benefit and it is rarely enough on its own. It is usually a modest multiple of salary, it generally ends when the job does, and it is not portable in the way an individual policy is. It is a good foundation to build on rather than a finished answer.
Free and no obligation
At Shield of Faith Insurance, we make it easy to compare options and find affordable coverage. Whether you need auto insurance, homeowners insurance, life insurance, or specialty coverage in Peoria, AZ, we're here to help.
Contact our Peoria office today to request your free, no-obligation insurance quote and discover how we can help you protect what matters most.
Call or text anytime during the business week. Evenings and Saturdays by appointment.
What happens next
1
A real person from our office calls you back with real numbers.2
No robo-dialers and no spam calls.3
You pick the coverage, we handle the paperwork.Service area
We write life insurance in Peoria, AZ and across the state, and clients tend to send their own families to us when they need a life insurance agent in Peoria. Whether you are pricing term life insurance in Arizona while there is a mortgage to cover, comparing whole life insurance in Arizona for something that does not expire, or asking about life insurance with living benefits, the explanation comes before the quote. Life insurance quotes in Arizona vary more between carriers than any other line, because underwriting is where they genuinely disagree.
The 60 second version
Tell us what you own and how to reach you. We will do the comparing.
No robo-dialers and no spam calls. A local agent follows up personally. Sending this does not bind coverage.
Call us. We will explain the difference in a few minutes and tell you which one your situation actually calls for.
