Life insurance isn't just a policy; it's a promise. Ensure your mortgage is paid, your kids go to college, and your spouse is secure—no matter what happens.
Nobody likes to think about the unexpected. But living in Arizona, where families work hard to build homes and businesses, protecting that legacy is vital. If your income stopped tomorrow, would your family be able to stay in their home?
At Howard Castle Insurance, we simplify the complex world of life insurance. We help you calculate exactly how much coverage you need to replace your income and cover debts, so you don't overpay for protection you don't need.
Life insurance needs change as your life evolves. Here is why people in Arizona choose to buy coverage at different milestones.
Lock in the lowest possible rates while you are young and healthy. Cover student loans so parents aren't liable.
Ensure your spouse can pay off the mortgage and stay in the home if something happens to your income.
Replace lost income to cover childcare, tuition, and daily living expenses for your children until they are independent.
Fund a buy-sell agreement or protect your business with Key Person insurance to survive the loss of a vital employee.
Understanding the difference between Term and Permanent insurance is the first step to making a smart decision.
The most affordable option. You choose a length of time (10, 20, or 30 years) and a coverage amount. If you pass away during that term, your beneficiaries get paid. Simple, cheap, effective.
Permanent coverage that lasts your entire life as long as premiums are paid. It builds "cash value" over time that you can borrow against. Premiums are higher but fixed for life.
A flexible permanent policy. You can often adjust your premium payments and death benefit amount as your financial situation changes. Ideal for estate planning.
Smaller policies (usually $5k-$25k) designed to cover funeral costs and outstanding medical bills. Easier to qualify for with fewer medical questions.
For businesses. If a vital employee or partner passes away, this provides the business with capital to survive the transition, pay off debts, or hire a replacement.
A simplified term policy specifically designed to pay off your home loan if you pass away, ensuring your family isn't forced to move.
Life insurance rates are based on age and health. We work with 40+ carriers to match your specific health profile with the company most likely to offer you a favorable rating.
We shop top carriers including
Have questions? Need a quote? We're here to help. Reach out and let's find the perfect coverage for you.
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Gilbert, Arizona
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