Insurance Services
Local Phones: 623-435-5511   928-433-3181   520-365-3656     Fax 623-435-5522
Outside Maricopa County:    888-543-5637    Fax 877-543-5637


Arizona Life Lines has been in business since 1992, serving customers throughout the state. We work with numerous carriers and provider groups, and utilize various specialists to assist with specific needs (disability, long term care, group, etc).   In 1999, we were named "Agent of the Year" by the Foundation for Medical Care (aka Maricopa Foundation). We provide services in the following areas:
Health (individual, family and small group) - we work both on and off the Exchange, with all carriers in Arizona
Alien and Non-Resident Health (inside and outside the US)
HSAs (Health Savings Accounts - formerly Medical Savings Accounts)
Life Insurance (term, universal, whole life and variable)
Disability (short and long term)
Supplemental Accidental Injury
Travel Plans (15 days to three years, US and abroad - including Executive coverage)
Vision Services
Short Term Health (individual and family - one to eleven months)
Dental (referral/discount plans and true insurance; individual, family and group)
Long Term Care 
Medicare Supplements
Prescription Discount Services 
Portability (HIPAA): health plans as well as information on legal rights related to COBRA and preexisting conditions



We also offer assistance to consumers in understanding COBRA.  This is a confusing area for consumers to understand, and as often as it might be the best bet when coming off a group, just as often, it is a more expensive one. We are happy to assist both customers and non-customers alike to understand their rights associated with COBRA. The best way to reach us with questions in these areas is by phone or through on our e-mail, at top of this page.



On a regular basis, we issue newsletters to the agents associated with AZ Life Lines, updating them on products we work with, as well as recently passed laws. In addition, we have published news columns and trade magazine articles related to the basics of health insurance.

Recent copies of these can be accessed at the end of this page.


We are open from 9:00 till 5:30pm, Monday through Friday.  Unless we are attending an off-site function, the office is staffed at all times.  If you call and get voice mail, do  leave a message; it will be returned same day. We have several in-coming lines and try not to put callers on hold any more than necessary. Our voice mail is checked on a frequent basis and again after hours and on weekends.


While we make every effort, we are not able to help everyone to their satisfaction; unfortunately, there are individuals who will not find the coverage they're looking for, given their income, work or health-related circumstances.  It is our goal to help every caller, make calls in their behalf when possible and assist in whatever way possible, with all means available, to find them the coverage they're seeking or to provide an understanding of why the system cannot work for them at this time and what any other options might be.


Your  agent, whether us or someone else, is your first line of defense whenever you have a problem with an existing health policy. He/she earns a small commission on your business, and should be consulted whenever you have a problem with a claim or with understanding your policy. Commissions paid to agents do not affect your premium in any way, nor do they impact any subsidy you might be eigible for under the ACA.

Never buy a plan you do not understand or whose representative cannot adequately explain. Don't let an agent tell you he or she cannot leave materials with you so that you may think more about your purchase, if you wish. Any agent can leave material behind; those who don't are using high pressure tactics to make you buy on the spot. Likewise, there is no reason information cannot be mailed or e-mailed to you.

Agents cannot provide references as to who else has purchased a policy; that would be a breach of confidence. But feel free to ask about the carrier, how long they  have been in business, how long the agent has sold that particular plan, plus any other questions about the plan and the carrier.


(simply click on title of appropriate area of interest)




The following articles were written by June Shaffer and are reprinted with permission: (click on title to view article)
Some of the articles will indicate, at the top of the page, that these are for historical reference only, as many things have changed since 2013.  Very pertinent is Article 9

1. Insurance: Risk and Responsibility

Overview of what you should expect from a policy and what it should do
2. COBRA, Portability, HIPAA???
The differences in these terms, what they really mean and who is and is not eligible for plans under these terms
3. Upset with High Premiums? Take Responsibility!
Take responsibility for lowering your rates by changing your perspective on what different types of health insurance do. Example: why pay more for co-pay plans if the savings with an indemnity is greater than the deductible for a co-pay plan?
4. Self-Employed? Not Necessarily a Problem
Being self-employed is not a deterrent to obtaining good medical coverage. Read why being self-employed is not the problem and what the laws are which govern this area.
5. HSAs Made Easy
Health Savings Accounts provide positive tax ramifications, in that they are treated as an IRA. Now available to everyone, whether self-employed or not, the HSA offers a high deductible plan at competitive rates, with a family deductible as opposed to a "per person" deductible.
6. Short Term Insurance: Is It Real?
Occasionally, an applicant may not qualify for a regular health plan:  between jobs, newly graduated, a medical condition making them uninsurable on a "regular" plan, waiting for group coverage to start, recently relocated... short term coverage meets these needs at very reasonable prices. Covers anything new in the way of illness or injury, offers a variety of deductibles and $1,000,000 protection.
7. Lost Your Group Coverage? Now What?
If you've just lost your group coverage and COBRA isn't available, you need to know immediately what your options are - waiting can cost you your insurability if you are high risk, and cost money if the unexpected should occur.
8. MSA/HSA - Not Only for the Self-Employed
This article no longer available as MSA's are now called HSA's and are available to anyone who can qualify (qualification is based on health history - underwriting for an HSA is just like any other medical plan). See Article #5, HSA'S MADE EASY for updated information.
9. It's All About the Numbers
This is not your typical article on how to view insruance - it shows you a different way of looking at coverage, what you pay for it and why, and how to maximize your insurance dollars - keeping more of them in your pocket and less in the insurance carrier's, without sacrificing complete and quality health coverage.
10. What Good is Insurance if it Doesn't Cover Preexisting Conditions?
Just as you don't plan on currently having asthma, you won't "plan" on later developing diabetes. Insurance covers risks - things that you don't plan on and that haven't yet occurred.
11. Why Some People Can't Get Insurance
Article withdrawn as totally irrelevant under healthcare reform. 
12. Medicare Made Easy
Medicare is not as complicated as it seems! You have several options for your supplements, in varying premium ranges. These two to three pages summarize Medicare in just a few minutes!

Part D and Which Supplement Should I Get?

This is our personal overview of what to get and what to avoid, except in specific circumstances. Also a brief overview on Part D for prescription coverage.

13. Provider Network Groups
Website addresses that allow you to access the provider groups of various medical / insurance networks working with the various carriers in Arizona
14. Referral and Support Groups
Alcohol, bulimia, MS, diabetes... a list of various support groups in the area as well as the resources by which you can access even more.

14-A  Opening the Drug Dialogue with Youth

          How to start the conversation with your teenagers (and younger) about drugs, their use and influence today
       14.B   Healthy Coping Mchanisms for Dealing with Holiday Stress

                   Helpful ways of dealing with the stress and anxiety of the holiday season

Team of Specialists
Most brokers utilize a team of specialists to assist them and the people who call their office. No one agent can or should try to "do it all." This is our list of specialists, from group to disability, immigrant to naturo- pathic physician, along with their phone numbers and e-mail addresses