Life insurance · Chandler, AZ

Life insurance for the people who count on you.

Term or permanent, how much and for how long. Our agents explain each choice by phone or by email, in English or Spanish, and you don’t have to decide on the first call.

Start my life quote Call (480) 545-8877 Three generations of a family laughing together on a backyard patio at sunset The short version Term lifeCovers a set number of years. Permanent lifeBuilt to last for life if premiums are paid. Can build cash value.

What does life insurance do for your family?

Life insurance pays money to the people you name when you pass away, subject to the policy’s terms and exclusions.

That money can pay off the mortgage, replace years of income or help pay for college.

How much is enough?

Start by adding up four things. We’ll do the math with you and count any coverage you already have.

DebtsCar loans, credit cards and other balances. IncomeWhat your family would need, and for how many years. MortgageOr rent, so they can stay in the home. EducationCollege or trade school for the kids. People here are great… The folks here fought & got this resolved.

Mike Mckinnon, Google review

Have these handy for the call

The call goes faster with:

Easier to send them ahead? Email us a copy.

Term vs permanent

Two kinds of life insurance. Here’s the difference.

We go over both with you before you choose.

Term life

Coverage for the years your family needs it most.

You pick a length of time, like until the kids are grown or the mortgage is paid off. If you pass away during that time, the people you name receive the payout, subject to the policy’s terms and exclusions. When the term ends, so does the coverage.

TodayTerm ends How longA set number of years Cash valueNone. It pays only during the term.

Often a fit if you:

Permanent life

Coverage designed to last as long as you do.

As long as the premiums are paid, it’s built to stay in place for life. It can also build cash value over time, which you may be able to borrow against later.

TodayFor life How longYour whole life, as long as premiums are paid Cash valueCan build over time

Often a fit if you:

Not sure which to pick? We’ll lay them out side by side for you.

Start my life quote New parents holding their newborn on the sofa of their sunny Arizona home

Who needs it

Who needs life insurance?

If someone counts on your income, talk to us about coverage. If no one does yet, look again when you marry, have a baby or buy a home.

How it works

From first call to application in three steps.

  1. 1

    Tell us a little

    Use the form or call us. No health questions yet, just the basics and a good time to reach you.

  2. 2

    Compare term and permanent

    We explain both, how much coverage to consider and the monthly cost, by phone or by email.

  3. 3

    Apply when you’re ready

    We help with the application. Depending on the policy, there may be health questions or an exam, and we tell you what to expect first.

Have a question before you start?

Call us or email your question. We answer in English or español.

Call (480) 545-8877Email us

Google reviews

Patient answers, in our customers’ words.

4.8 ★★★★★

4.8 / 5 average · 86 reviews

78 of them are five stars

★★★★★Google review

Outstanding service from start to finish. My agent was knowledgeable, patient, and truly cared about finding the right policy for me. They explained everything clearly and made sure I felt confident in my decisions. I appreciate the responsiveness and professionalism—definitely a 5-star experience!

KKKneo Knight ★★★★★Google review

Excellent service; they always answer calls and provide courteous, friendly service. Highly recommended.

GMGonzalo Moreno ★★★★★Google review

A minor issue came up on my home policy review, Barb got on it, reminded me (a couple of times) and got it successfully resolved. The definition of customer service.

DGDavid Girle ★★★★★Google review

I contacted Mr. Ballard looking for transfer my business to a new insurance company… He sat down with me and explained all of the different options I had.

JHJeff Heskett ★★★★★Google review

Ronald is a great agent, is always answering questions when needed and fast responder!

FRFernando Rico

Questions

Life insurance questions, answered.

I have life insurance through work. Is that enough?

Maybe not. Coverage through work can end when you leave the job, and the amount may not cover what your family would need. Send us your benefits summary and we’ll look at it with you.

Who receives the money?

The people you name, called beneficiaries. You can name a spouse, a partner, your kids or others, and you can name more than one. We’ll help you fill that part in, and you can call our office if you want to change it later.

What if my budget is tight?

Tell us what you’re comfortable spending each month. We’ll show you what that can cover, and you can revisit it when your budget or your family changes.

Will I need a medical exam?

It depends on the policy, the amount of coverage, your age and your health. Some policies ask health questions, and some include an exam. We’ll tell you what to expect before you apply.

How long does a term life policy last?

You choose the length when you apply, from the terms available to you. You might match it to the years your family relies on your income, like until the kids are grown or the mortgage is paid off. Options are subject to eligibility and availability, and we’ll go over them with you in English or español.

What happens after I send the life quote form?

We call you back during office hours, Mon–Fri 8–6 or Sat 8–noon, at the number you entered. We ask about your family, your budget and any coverage you already have, then lay out term and permanent options side by side. Health questions come later, with the application.

Other policies KGB Insurance quotes.

Mon–Fri 8–6 · Sat 8–12

Ask your questions before you apply.

Call or email us. We explain term and permanent life in English or español.

Get my quote Call (480) 545-8877 Email us