No one agent or broker can be all things to all people – it is silly to even try and folly for a new agent to attempt. While one broker or agent may wear several hats (for instance, I work with Medicare supplements, MSAs (Medical Savings Accounts), individual/family health plans, life, dental and high risk – including COBRA and HIPAA), there are some areas of insurance which are very intricate, very involved and require a great deal of experience, concentration and legal understanding.
For that reason, we utilize the skills of agents and other qualified
individuals around the Valley who specialize in areas that I don’t -
|Small Group -
5 to 50 employees
Katsenes Insurance Services
602-264-6474 ext 4 or 800-562-0071 ext 4
email@example.com and www.katsenesinsurance.com
Tom and his family-owned agency have been working with small
group market for 20
work with all major group carriers in the state. Tom and his staff are
very thorough and their clients are located statewide.
|Long Term Care & Disability
Dick Miller Insurance
Dick has been in the long term care business for nearly as long as long term care has been around! Many agents try to sell this type of service but it is virtually a science for an agent to sift through when determining the best product for the client's potential needs.
Dick also works in the disability arena and has for over 20 years.
|Long Term Care & Disability||Melissa Myers
Camelback Retirement Planners/Commonwealth financial network
2720 E. Camelback Road, Suite 200
Phoenix, AZ 85016<>602-424-7503 or 877-280-2304 (outside Maricopa county)
Melissa works in financial planning and covers most of the state of Arizona. LTC and disability insurance are more than just a source of income, they are part of the proper planning of a professional's future financial security.
|Specified Benefits (cash reimbursement)||Michael Malasnik
Arizona Benefit Connection
Michael's background extends to AZ Physicians, United
several other in-house positions which have given him an insight to the
needs of specific individuals. Specified benefit plans appeal to those
who can't get "full- bore" insurance but would like some insurance
without the hassle of underwriting. Our office also works
|Naturopathy /Alternative Medicine||Dr. Christina Compton, NMD
Is modern medicine too eager to cut? Too happy to hand out pills?? To quick to diagnose or dismiss?? It is your responsibility to under-stand your own health, to question a diagnosis or medication or treatment that you don't understand, to ask questions and to make smart choices. American children have the highest obesity levels in the world, the US has the youngest ages for diabetes, hypertension and cholesterol of any country, and more people die from cancer here than anywhere else! YOU are your first line of defense, learn what you can do.
|Property/Casualty/MultiLine||Ideal Insurance - Glendale office
Sun City office 623-933-8263
Looking to insure a business or building? Questions about
liability coverage? Got a new car and want fender-to-fender quotes?
has two offices in the west valley and a staff of dozens to help you
Farmer’s Insurance, Scottsdale office
Scott is in the east valley and offers Farmer's broad line of property and casualty products, homeowners and auto, motorcycles and RVs - personable and experienced, Scott will direct you to the right source if for any reason he feels his products will not best suit your needs.
State Farm, West valley office
These gentlemen have been helping folks in the central Valley for years, with all areas of property/casualty. Adequate car insurance for your wheels and homeowner's for the roof over your head are musts, and part of good financial security.
Gary works predominantly in the central and east valley -
|Impaired Risk Auto||Russ & Marilyn Roohr
One speeding ticket too many? Wrong place at the wrong time? "Impaired risk" auto is indeed a specialty and the Roohr's have been providing excellent services in this area for nearly a decade! Located in the central Valley, they can assist customers anywhere in the area and are happy to assist.
|Financial/Tax Accounting||Leanne Griffin
Baker & Griffin
Leanne also trains in Quick Books, the most popular
Terry Brown, CPA
If your taxes can be done in less
than an hour, great! But no thorough
and qualified accountant would attempt to do a good job in that time!
techniques and tax laws change all the time, and keeping on top of them
is nothing short of a daily education. Accounting is more than just a
|Professional Tax Preparer||Alan M. Kafton
Tax preparation is not something that can be purchased at a
store! Considerable time and effort go into properly preparing a
suggestions made for adjusting your methods of business spending or
deductions you may not know you can take - and those your shouldn't.
has been preparing tax returns of all sizes for years and will work
your time and your needs.
|Securities/Variable Annuities||Art Randall
Good financial planning is part of the insurance of your future, too! It is more than just money in the bank - but it's not risking it all in the stock market, either! Learn about allocating funds - if only $50 a month - so they can grow and provide tax-deferred income as you get older. You're never too young or too old to start!
FOOTNOTES AND WORDS TO THE WISE:
We work with agents all over the Valley and are happy to direct you
those in your area if you require an in-home visit. Much of what needs
to be done in the health insurance arena does not require a face to
visit, though many agents would like you to believe they must meet with
you. It's never a bad idea but it is not always a requirement.
Exception: life insurance and long term care.
Beware of anything that sounds "too good to be true." Obviously, if
it does, it probably is. We receive numerous faxes and e-mails every
low-cost health coverage - keep in mind, health coverage is NOT
health insurance. Many
discount plans are available, utilizing PPO
for discounts on most major medical services as well as chiropractic,
optical and prescriptions. We offer these plans too, at costs under
- the same plans as those you see advertised for $100-200 per month
- we simply don't use multi-level marketed products with high
overheads. But again, these are NOT insurance - you are responsible for
the balance after the discount, at the time the service is rendered. We
sell these plans ONLY when no other health coverage or health-related
can be utilized. And sicount plans will not exempt yu from paying the
penalty under the Affordable Healthcare Act.
There is no regulation on the sales of these types of products and
are sold by non-insurance multi-level marketing companies. Too many of
these people, eager to make a sale, tell prospective customers they can
give up their "costly health insurance" and use this instead. Anyone
says that can be severely fined by the company they are trying to
as well as by the Dept of Insurance. And since all the literature very
clearly states that these plans are NOT insurance, your grounds for a
would be very limited. Read all materials for all "health coverage"
thoroughly and understand what you are buying. No individual plan of
"does it all" - but it should do what YOU need it to do: provide
benefit at a reasonable cost.
No matter what kind of product or service you buy, ask questions of
your agent, broker or representative, get comfortable with them and
they are telling you, and don't let anyone "fast talk" you into
because it's the latest, greatest, cheapest plan on earth. There's no
thing, and the last thing you want to cut corners with is your health