About Us
Education is important to us. We want to give back to the educators who stay up late to grade their students’ work, who stay after school to help their students, and who are willing to give their lives for their precious students.
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Education is important to us. We want to give back to the educators who stay up late to grade their students’ work, who stay after school to help their students, and who are willing to give their lives for their precious students.
We believe educators work hard to take care of
our children’s future. That’s why we work hard to
help take care of your future and that of your family.
School Employees Insurance offers Teachers, and
Educators, discounted life insurance rates!
Planning for the end of life can be a difficult task, yet securing your family’s financial future with life insurance is a sound choice that eases a number of worries. Your local School Employees Insurance agent can explain the wide range of policy choices available to you and help you determine which one best suits your needs and budget.
As your leading Arizona, Nevada, and California life insurance company, our agents are well versed in all aspects of the life insurance industry. School Employees will benefit from a team that wants to be your more than just your insurance provider—we want to be the trusted coverage specialist you rely on to manage all of your life insurance needs.
Residents of Arizona, Nevada, and California with life insurance enjoy real peace of mind, knowing that final expenses are already covered. Benefits help with medical costs, burial expenses, outstanding debts and more. Life insurance may also cover estate taxes without reducing the size of an inheritance.
While settling an estate can take a significant amount of time, life insurance benefits are typically paid much quicker. Tax freedom is another significant advantage. In most cases, beneficiaries don’t owe federal taxes on life insurance. Quick payment and reliable benefits provide welcome relief in otherwise difficult times.
We understand that trying to secure the right life insurance plan can get a bit stressful—and it certainly takes time. From the necessary research to weighing the pros and cons of term life insurance versus whole life, variable and beyond—it’s easy to get overwhelmed.
This is why we’re here for you. In addition to helping you navigate your way through one of the most valuable policy decisions you will ever have to make; we pledge to secure you a custom life insurance plan you can depend on—and one that is exclusively tailored to your personal needs.
Arizona, Nevada, and California term life insurance is one of the most straightforward and effective ways an individual can maintain coverage. School Employees Insurance is available to provide quotes for this type of coverage to show clients just how affordable it can be.
What is Term Life Insurance?
Term Life insurance, as the name suggests, provides life insurance only for a limited period of time, or term. Other types of policies, such as whole life, universal life, or variable life, are considered to be permanent insurance, and are designed to provide protection for the entire life of the insured.
Term insurance might be compared to an automobile insurance policy. While the policy is in force, the insured enjoys protection against loss from an auto accident. If no accident happens, no benefits are paid under the policy. At the end of the period covered by the policy, there is no refund of premiums paid. Term life insurance works much the same way.
Term insurance thus provides only pure insurance protection and does not have the cash value feature typically found in most permanent life insurance policies. Unlike most permanent policies, in which premiums usually remain level over the life of the policy, the periodic cost of term life insurance increases as the insured becomes older. The cash-value feature found in permanent policies provides cash buildup with in the policy which allows for the level periodic premium. In later years, the premiums for a typical term life policy will far exceed those of a typical permanent policy.
The term of the coverage has an impact on the price of quotes. Arizona, Nevada, and California term life insurance is available in 10, 15, 20, and to age 65. The term of the coverage provides temporary life insurance for the specified number of years.
Deciding on the term of coverage depends on variables that can be discussed with an experienced agent at School Employees Insurance the Rich Israel Agency. Life Insurance is not for you it’s for the ones you love if you’re not around to financially support them. School Employees Insurance is available to answer questions anyone may have related to choosing and purchasing a term life insurance policy. Contact us today to schedule a free, no obligation quote.
Check out an exciting new form of life insurance from School Employees Insurance the Rich Israel Agency. If you’re in Arizona, Nevada, or California let us show you how you can have your cake and eat it to! Cash Value Term looks like traditional level term but allows you in most cases get all or more of your premiums back. Let School Employees Insurance show you how this is done.
Cash Value Term is a term life plan that builds cash value than can be utilized in at least three important ways.
Whatever option you choose, School Employees Insurance the Rich Israel Agency can show you how to get more out of your life insurance policy than just term life insurance protection with Cash Value Term! Contact us today to see if this is the right product for you.
Life insurance provides a safety net after a loss, and many people also cover final expenses with insurance. School Employees Insurance the Rich Israel Agency in Arizona, Nevada, and California has whole life policies that make the planning easy. Whole life insurance helps people save for the future, protect their families against sudden loss and aids those who might need a little extra financial help. Over time, the face value of whole life policies can increase through paid-up additions, and the cash value can also be taken as a loan.
What is Whole Life Insurance?
Whole life insurance, sometimes called permanent insurance, or ordinary life, is designed to stay in force throughout one’s lifetime. As long as the policy owner meets his or her obligations under the policy, the policy remains in force, regardless of any changes in health that may occur.
Unlike term insurance, where premium payments generally increase, as the insured gets older (the chance of death increases with age), premiums for most whole life policies remain level. A portion of each premium payment is set aside to earn interest. Over time, a whole life policy will develop cash values. The accumulated cash values form a reserve which enable the insurer to pay a policy’s full death benefit, while keeping premiums level.
During life, many whole life policies have provisions to borrow a portion of the accumulated cash value. If a policy is terminated without the insured dying, there are various surrender options for the cash value available to a policy owner.
Whole life policies from School Employees Insurance the Rich Israel Agency are not subject to market fluctuations. Benefits are typically paid quickly and often without tax requirements for beneficiaries. Additional riders, such as premium wavers for disability, guaranteed insurability for juvenile policy additions and many others, make whole life a sound insurance choice.
Quotes for Arizona, Nevada, and California whole life insurance are easy to obtain. Call today to speak to one of our agents today.
When basic life insurance doesn’t provide you and your family with the benefits you need, you should consider a universal life insurance policy. Universal life insurance is a type of permanent life insurance that can be used to pay off funeral expenses, pay off debts and give additional income to people who survive the policyholder among many other things. School Employees Insurance the Rich Israel Agency can provide quotes for Arizona, Nevada, and California universal life insurance policies.
Some of the many benefits of a School Employees Insurance universal life insurance policy include low minimum coverage rates, low initial premiums and good cash value. School Employees Insurance the Rich Israel Agency offer several discounts, so be sure to talk with one of our agents today to find out what you might qualify for.
Additionally, there are many riders that can be attached to your universal life insurance policy. Insurance riders provide supplementary benefits that go beyond the benefits of the original policy. Some of the riders that can be tacked on to a School Employees Insurance universal life insurance policy include monthly disability benefits, accidental death benefits, accelerated benefits for terminal illnesses, and automatic increased benefits.
Call or contact a School Employees Insurance agent today to learn even more about our universal life insurance policies and how they can provide financial security for you and your family. Universal life insurance can be completely customized to provide the benefits that you care about most, so we’re sure that you’ll find a package that you love. And no matter what your financial situation is, there are plenty of packages that will meet your needs and fit your budget.
Contact us to discuss your life insurance needs. FREE Quote NOW
Indexed universal life is a type of fixed universal life insurance product, which is regulated and distributed in the same manner as universal life. By contrast, indexed life usually provides a downside guarantee of 2% or less, but earns potentially higher upside interest crediting, based on the performance of an outside stock index (such as the Standard and Poors 500, a.k.a. S&P 500). Indexed life products have a floor of zero, so a consumer's money is always protected from downturns in the market. However, indexed life also has upside interest crediting potential of similar to the market (although still limited). Indexed life insurance is a moderately conservative interest-sensitive life insurance product.
What else it can do for you
A School Employees Insurance indexed universal life insurance policy gives you the same flexibility and safety of other universal life policies.
Puts you in control
As your needs change, your policy can change, too. You can change the death benefit, increase or decrease your premiums, and add options or riders to fit your needs.
Transfers your wealth
School Employees Insurance indexed universal life can help you leave a legacy to pass on to your heirs by giving them as much of your estate as possible, while making sure your tax and other obligations are satisfied.
Builds your savings
Indexed universal life insurance provides a tax-deferred way of accumulating a cash value at competitive interest rates.
Gives you access to funds
You can make withdrawals or borrow against, the cash value in your policy. Your School Employees Insurance indexed universal life policy can also be used as collateral for securing an outside loan, letting you tap the equity in your policy for a variety of needs: education, retirement and emergencies.
Protects your family
The death benefit gives you peace of mind knowing that your loved ones will not face financial hardship should you die. And the value can grow with your family and your needs.
Contact School Employees Insurance if you live in Arizona, Nevada, or California and ask us about the hottest selling Life insurance product on the market today.
Could your company bear the loss of a key executive or key employee?
Key Person insurance or key employee insurance is coverage that will protect the company or business in the case of an untimely death of a top salesperson, executive or business owner. Key Person insurance provides peace of mind to business owners and shareholders alike knowing that the business can continue operations without major disruption in the event of the loss of a key employee. School Employees Insurance the Rich Israel Agency can formulate a plan that will protect your business from this loss.
Protecting Your Key Employees
As a business owner, chief financial officer or board member, you have a responsibility to your company to make sure that business risk is minimized. Key employee insurance is a cost effective way to eliminate the unnecessary business risk associated with the death of a critical contributor to your organization. But what if a key employee decides to leave your company to start their own business or even worse takes a position with a major competitor? The business owns the policy and keeps all of its assets. Arizona, Nevada, or California Key Person Insurance can be provided to you by School Employees Insurance.
Losses from Key Employee's Death
Contact us to see if a Key Man policy is what your business needs today.
In a Small business having a succession plan is critical for the stakeholders. The stakeholders are not just the owners. Employees and clients are also considered stakeholders. How will your stakeholders be affected if the owner retires, dies, or becomes disabled? Planning ensures that the business will continue. School Employees Insurance the Rich Israel Agency can help protect the owners and their families in the unfortunate event of an untimely death.
What Is a Buy-Sell Agreement?
When a business owner dies, the disposition of his or her business interest can become a two-edged sword, creating problems for the business owner's heirs as well as the business itself. Critical questions must be answered:
This "disposition dilemma" is easily resolved when a buy-sell agreement is established. This agreement provides that:
The Purpose of Buy-Sell Agreement
A buy-sell agreement is a legal agreement in which the owner agrees to sell and some other person (meaning an individual or business entity) agrees to buy an ownership interest in a business. The buy-sell agreement should be drafted in consultation with legal counsel and tax advisors. A properly drafted buy-sell agreement can serve several purposes for the business. It:
For illustrative purposes, imagine yourself in partnership with two associates. The other two partners are Bob and Elaine. If Bob dies, his business interest passes on to his estate, and ultimately to his wife, Megan. Unfortunately, Megan knows nothing about the business. You and Elaine do not want to form a new partnership with Megan as a business partner, and you don't want Bob's interest sold to an outsider.
It should be added that Bob and Elaine face the same dilemma regarding your heirs. Fortunately, if a buy-sell agreement is in place, none of these potential problems will arise. All the owners know who will receive the deceased owner's business interest as well as how much will be paid for that interest.
It's easy to see why a buy-sell agreement is so valuable. It helps assure business continuity for the surviving owners and fair treatment of the deceased owner's heirs. Let School Employees Insurance help you fund your Buy-Sell today.
Beyond the Buy-Sell Agreement
In a business setting, it is easy to look at the role of life insurance in terms of how it helps satisfy a contractual requirement.
However, life insurance does more than provide essential funds for the business at a time when the business itself must recover from the loss of a key contributor. Life insurance can prevent unnecessary financial strain for the business and the surviving owners, and it can help assure that a deceased owner's heirs are treated fairly.
School Employees Insurance the Rich Israel Agency can build your Buy-Sell Agreement whether you live in Arizona, Nevada, or California. Contact us to speak to a specialist to help you protect your assets.
It is nearly impossible to live without health insurance these days. With the rising costs of health care – and the heavily debated government-backed initiatives - many people are finding it difficult to find affordable health insurance, that doesn’t force them to sacrifice quality care. Medical insurance is essential to maintaining health and avoiding costly consequences of suffering a medical emergency without coverage. There are many options available that can make Arizona, Nevada, or California health insurance fit into the budget of any individual.
Health insurance can allow a person to enjoy peace of mind by providing coverage for major medical bills in the case of an emergency. Plans that only cover emergency situations tend to be the most affordable choice. Comprehensive medical insurance coverage is also available for people who would like to be covered for preventative care, regular visits and prescriptions.
The minimal coverage available will protect a person from financial hardship in the case of a medical emergency. These policies allow an individual to pay a deductible and have the rest of their emergency medical bills covered by the policy. School Employees Insurance the Rich Israel Agency can help an individual understand how much this type of coverage will cost.
Quotes for health insurance from School Employees Insurance the Rich Israel Agency allows a person to decide on the best insurance choice for their specific needs. We can make this process easier by listening to the needs of individual and reviewing options that fit these personal needs. Utilize the expertise of School Employees Insurance to get the most affordable choice without compromising the coverage that is important.
At School Employees Insurance the Rich Israel Agency we’re here for you! No matter where you are located in Arizona, Nevada, or California—we’re here to help you to find the dependable health insurance coverage you deserve.
Being that each and every client is different, it’s only natural that we offer customizable individual health insurance. Arizona, Nevada, and California clients will benefit from working with our dedicated agents who take the time to understand the exact coverage you want out of your healthcare coverage—creating a policy that best suits your lifestyle and needs.
Don’t allow yourself to remain unprotected. Contact School Employees Insurance today, for a free health insurance quote and more information on all of the policy options we offer our Arizona, Nevada, and California clients!