Your family deserves
more than a plan to
figure it out later.
Term life insurance is the most affordable way to guarantee your family never faces financial hardship because of the unthinkable. Plans from as little as $14/month—lock in today's rate before it rises.
*Estimates only. Actual rates vary by health, age & carrier.
A real Arizona family — names changed for privacy
The phone call that
changed everything for
the Ramirez family.
In March 2021, Daniel Ramirez—a 38-year-old electrician from Chandler, Arizona—passed away suddenly from a cardiac event, leaving behind his wife Sofia and their three children, ages 4, 7, and 11.
Daniel had no life insurance. He'd meant to get it "when things settled down." Sofia had 60 days to cover $287,000 left on their mortgage before the bank began proceedings. Their oldest child was pulled from private school within a month. Sofia returned to work full-time before she'd had a week to grieve.
"He was a planner in every other way," Sofia told her ASJ advisor two years later, when she finally secured coverage for herself. "He just never got around to this one thing."
A $500,000 20-year term policy would have cost Daniel approximately $26/month. The difference it would have made was not minor—it was everything.
Don't wait. Start my free consultation →"He was the most responsible person I knew—retirement savings, a will, the kids' college funds. He just never got around to this one thing. And that one thing was the only thing that mattered at the end."
Name changed. Story shared with permission to protect family privacy.
Every year you delay,
coverage costs more.
Life insurance premiums are priced on your age and health at the time of application. A 35-year-old in good health pays dramatically less than the same person at 45—and health surprises don't wait for convenient timing. The best policy is the one you already have.
Start My Free ConsultationThe six fears every parent carries silently
Term life doesn't just pay a benefit. It eliminates the worst financial what-ifs—permanently.
Losing the family home
Your mortgage doesn't pause for grief. A term policy can eliminate the remaining balance so your family keeps their home, their school, their neighborhood—and their stability.
Your children's education
The college savings account stops growing when your income does. A policy funds the education you've promised, regardless of what happens to you first.
Inheriting your debt
Car loans, student debt, credit cards—without coverage, your family inherits your financial obligations alongside their grief. Life insurance eliminates that burden on day one.
Lost years of income
You are your family's financial foundation. A 20- or 30-year policy replaces that income so they can grieve without financial panic layered on top—and without changing their lives.
Young children's future
The younger your children, the longer the runway they need from you. Locking in coverage now guarantees low rates for the full term of their childhood and beyond.
Your business continuity
Business owners carry unique risk. Key-person coverage and buy-sell agreements funded by life insurance protect your partners, your employees, and everything you've built.
Four products. One right answer for you.
Every family's situation is different. ASJ advisors match you with the product that fits your life, budget, and goals—not ours.
Term Life Insurance
Pure, affordable protection for a fixed period. The highest death benefit per dollar—period.
Term Life + Return of Premium
All the protection of term life—with a 100% premium refund if you outlive your policy.
Indexed Universal Life (IUL)
Permanent life coverage with tax-deferred cash value tied to market index performance—with downside protection.
Whole Life for Final Expense
Permanent whole life coverage designed to handle funeral costs and end-of-life expenses—no medical exam required.
Your rate, right now
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All four products at a glance
We explain every option honestly so you choose with confidence—not confusion. Variable life insurance is not offered by ASJ.
| Feature | Term Life Best Value | Term + ROP | IUL | Final Expense WL |
|---|---|---|---|---|
| Coverage period | 10–30 years fixed | 20–30 years fixed | Lifetime permanent | Lifetime permanent |
| Monthly cost | Lowest — from ~$14/mo | 2–3× standard term | Moderate–High | Low–Moderate |
| Death benefit | ✓ Fixed & guaranteed | ✓ Fixed & guaranteed | ~ Adjustable | ✓ Fixed (small) |
| Cash value | ✗ None | ✗ None during term | ✓ Index-linked growth | ✓ Modest growth |
| Premium refund if you outlive it | ✗ No | ✓ 100% refund | N/A (permanent) | N/A (permanent) |
| No medical exam option | ✓ Widely available | ~ Limited | ✗ Rarely | ✓ Always available |
| Flexible premiums | ✗ Fixed | ✗ Fixed | ✓ Yes | ✗ Fixed |
| Ideal coverage amount | $100K–$2M+ | $100K–$1M | $250K–$2M+ | $5K–$25K |
| Best age to buy | 20s–50s | 25–45 | 25–55 | 50–85 |
| Best for | Families, mortgage, income replacement | Planners who want money back if they outlive policy | Wealth builders, retirement supplement | Seniors covering burial & end-of-life costs |
Protected in four steps
Most clients go from first quote to active coverage in days, not weeks.
Get your instant quote
Use our real-time engine to compare 20+ top-rated carriers side by side. No personal info required to see your rate.
Talk to a licensed ASJ advisor
A dedicated advisor reviews your quote, answers every question, and tailors a recommendation to your exact situation and budget.
Complete your application
Online or by phone in about 15 minutes. Many policies qualify for no-exam approval within 24 hours.
Your family is protected
Policy active. Coverage begins from day one. We'll review it with you annually as your life evolves.
Arizona & California families
protected by ASJ
I'd been putting it off for years, convinced it was too expensive. ASJ found me a $500,000 20-year term policy for under $30 a month. I sleep better knowing my wife and kids are taken care of.
After our second child, we got serious. The ASJ team walked us through Term vs. ROP vs. IUL without any pressure. We got a 30-year ROP policy—if we outlive it, we get our money back. Perfect for us.
My mother is 72 and kept saying she didn't need insurance. ASJ explained final expense coverage—$15,000 whole life, no exam, approved in two days. She cried. Said it was the best gift I'd ever given her.
Top-rated carriers we work with
What if today were the day your
family needed this?
No one plans on the unexpected. The families who fare best are those whose loved ones planned ahead. A 10-minute conversation with ASJ today could change everything for the people you love most.
Start My Free ConsultationTell us about your family.
We'll do the rest.
Takes about 2 minutes. A licensed ASJ advisor will reach out within one business day with personalized recommendations—no obligation.
Your Personalized Coverage Assessment
Confidential · No cost · No obligation · Licensed in Arizona (AZ Lic. #1800003884) & California (CA Lic. #0F71906)