THE ARIZONA LIFE LINES TEAM OF SPECIALISTS

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
  
 
Thomas Katsenes
Katsenes Insurance Services
602-264-6474  ext 4   or 800-562-0071 ext 4
tom@katsenesinsurance.com  and www.katsenesinsurance.com

Tom and his family-owned agency have been working with small group market for 20 years, and work with all major group carriers in the state. Tom and his staff are extremely knowledgeable, very thorough and their clients are located statewide.
 

 

Long Term Care & Disability
Richard Miller
Dick Miller Insurance
623-939-8759
richnmarj@msn.com

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)
mmyers@camelbackrp.com

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
623-535-8299
michael@helpyourselfinsurance.com

Michael's background extends to AZ Physicians, United Healthcare and 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 protection  without the hassle of underwriting. Our office also works with these products
 

 

Naturopathy /Alternative Medicine Dr. Christina Compton, NMD
623-217-6692
dr_compton@cox.net

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   602-938-7579
                              Sun City office   623-933-8263
dan@idealins.com

Looking to insure a business or building? Questions about work-related liability coverage? Got a new car and want fender-to-fender quotes? Ideal has two offices in the west valley and a staff of dozens to help you out!
 

 

Car/Auto/Homeowners Scott Shirley
Farmer’s Insurance, Scottsdale office
480-607-3010
sfsfarmers@aol.com

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.

 


Carlos Rivera
State Farm, West valley office
623-974-8372
carlos@9rivera.com

Bob Coudret
Allstate, NW Valley
623-561-9202
bobcoudret@allstate.com

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 Smith
Safeco Insurance
602-953-6909
aquahills@aol.com
garys@cdsinsuranceagency.com

Gary works predominantly in the central and east valley -
I have done business with him since the mid-90's. He works in property and casualty and is very personable and knowledgeable.

 

Impaired Risk Auto Russ & Marilyn Roohr
Bestway Insurance
602-864-1154
bestwayins@excite.com

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
602-277-4008
www.baker-griffin.com

Leanne also trains in Quick Books, the most popular bookkeeping tool around.

Terry Brown, CPA
623-249-3278
www.tmb-cpa.com

Terry also provides managment consulting and payroll preparation.

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! Accounting 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 spreadsheet or checkbook!

Professional Tax Preparer Alan M. Kafton
Phoenix, AZ
602-277-0799
akafton@earthlink.net

Tax preparation is not something that can be purchased at a corner franchise store! Considerable time and effort go into properly preparing a return, suggestions made for adjusting your methods of business spending or saving, deductions you may not know you can take - and those your shouldn't. Alan has been preparing tax returns of all sizes for years and will work with your time and your needs.
 
 

 

Securities/Variable Annuities Art Randall 
602-404-6728
desertdoc@cox.net

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!

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FOOTNOTES AND WORDS TO THE WISE:

We work with agents all over the Valley and are happy to direct you to 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 face 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 about low-cost health coverage - keep in mind, health coverage is NOT necessarily health insurance. Many discount plans are available, utilizing PPO networks for discounts on most major medical services as well as chiropractic, dental, optical and prescriptions. We offer these plans too, at costs under $100 - the same plans as those you see advertised for $100-200 per month - we simply don't use multi-level marketed products with high commission 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 product 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 most 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 who says that can be severely fined by the company they are trying to represent 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 lawsuit would be very limited. Read all materials for all "health coverage" programs thoroughly and understand what you are buying. No individual plan of any type "does it all" - but it should do what YOU need it to do: provide maximum 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 what they are telling you, and don't let anyone "fast talk" you into something because it's the latest, greatest, cheapest plan on earth. There's no such thing, and the last thing you want to cut corners with is your health or financial security.