What's so important about life insurance?

Life insurance can do some pretty amazing things for people. It can buy loved ones time to grieve. It can pay off debts and loans, providing surviving family members with the chance to move on with a clean slate. It can keep families in their home and pre-fund a child's college education. It can keep a family business in the family. It can provide a stream of income for a family to live on for a period of time.

Life insurance can do all these wonderful things for your family...there's just one small catch. You need to own life insurance.

There's a growing crisis of too many Americans not having adequate life insurance protection. According to the industry research group LIMRA, 30 percent of U.S. households have no life insurance whatsoever. Today there are 11 million fewer American households covered by life insurance compared with six years ago. Here's the bottom line:

A majority of families either have no life insurance or not enough, leaving them one accident or terminal illness away from a financial catastrophe for their loved ones.

What if you were suddenly gone and your family had to manage on their own? When was the last time you did the math to make sure your loved ones would be OK financially? Have you checked with your employer to find out what kind of life insurance benefit you have through work and whether you have the option to increase your coverage? When was the last time you had your life insurance needs reviewed by an insurance professional?

If you find that you have a need for coverage, we strongly urge you to contact our agency. Your family's financial future is too important to leave to chance!

Call and talk to us!     877.441.4714

Our Mission

To focus on the personal insurance needs of our clients with extensive knowledge, attentive service and ethical conduct in all respects.

What our clients and community are saying.....

Ernie and Patti,

Thank you so much for taking the time to meet with me. I appreciate all your care and help in getting me set up with insurance.

Lynda - Sedona AZ

Ernie and Patti,

Thanks, we enjoy your newsletter!

Jeanne and Tom - Scottsdale AZ

Ernie and Patti,

We're always thankful for all your help with our Medicare and insurance!

Peggy and John - Scottsdale AZ

Ernie and Patti,

I want to say what a pleasure it is to work with you! Thank you for your abiding patience as I try to learn the ropes during this first year on Medicare. All of your clients are blessed to have your expert counsel!

With warmest regards,

Deborah - Sedona AZ

Ernie,

Thank you for all the time you took to evaluate and send information to us. We really apreciate it! We do acknowledge that the program you picked for us is the best of all. Let's move forward.

Thanks,

John and Kaye - Loveland CO

Ernie and Patti,

I am so excited about the help you are providing our associates.

Regards,

Kerri - Phoenix AZ

Ernie,

I am so grateful to you for keeping an eagle eye on this for me! Please continue to watch out for me! I am so fortunate to have you and Patti in my life!

With most sincere appreciation for all you do,

Deborah - Sedona AZ

Ernie,

Thanks for this chart! That is what I was looking for. It is a great display of the info I wanted. I know I can count on you to give me the facts and info I request.

Regards,

Gary - Prescott AZ

Ernie and Patti,

Your newsletter is so well done. The video about President Reagan gave me goose bumps! The article about wheat was informative..never knew all that, and I just love bread!! Oh well..

LuAnn - Holland OH

Ernie and Patti,

I really enjoy getting the newsletter!

Thanks,

Amy - Phoenix AZ

Dear Ernie and Patti,

I look forward to seeing you at the upcoming Medicare workshop presentation, as always! We are getting so close to the start of our serious one-on-one work together!

With many thanks,

Deborah - Sedona AZ

Ernie and Patti,

Thank you, again, for keeping in touch. Please continue to do so. I find your information and contact supportive and consistently helpful.

Best regards,

Patricia - Scottsdale AZ

Ernie,

Thank you for the help. I couldn't have done all this without you.

Mary Ann - Phoenix AZ

Ernie and Patti,

Thank you for including me in your "Informant" newsletter. I appreciate the information and your continued interest in my well being. Thank you!

Regards,

Pat - Scottsdale AZ

Ernie,

You have been extremely helpful to my wife and myself with making choices for our Medicare supplement plans.  We recommend your services to all our friends.

Howard and Janet - Scottsdale AZ

Dear Ernie and Patti,

Thank you for helping us do a Part D prescription drug plan change. We've wanted to do this for some time but were overwhelmed by the complexities. We are happy with the plan and the convenience of how you handled our paperwork. We look forward to working with you in the future and certainly will refer you when the opportunity presents itself.

Warm regards,

Susan and Norman - Sedona AZ

Hi Ernie and Patti,

Finally got to read the December newsletter. I don't read everything, but most of it. Very professionally done as well as informative and interesting! Thanks!

Marilyn - Scottsdale AZ

Hello Ernie,

I was fortunate enough to attend a class you sponsored at the Sedona Library. I found it very infomative and helpful. Thank you.

Linda - Sedona AZ

Ernie,

Thanks for all your help and proding to get this done.

Paul and Paula - Payson AZ

Hi Ernie,

Just wanted to thank you for taking good care of my friends. They really thought you did a tremendous job and you really stepped over the threshold as far as I'm concerned. I really appreciate it, wanted to thank you for that and we'll be talking to you soon.

Bob - Scottsdale AZ

Hi Ernie,

Just want to drop you a note to thank you for the birthday card you sent. So considerate and thoughtful of you to remember me. Also, I want to thank you for sending the informative newsletters. I very much appreciate receiving communication from you.

Regards,

Ellen - Scottsdale AZ

Good afternoon Ernie and Patti,

I'm calling about the wonderful ABC's of Medicare workshop that you hold at the Sedona Public Library every quarter. I missed the workshop today (May 2011) but am making sure the next two times for this year(Aug and Nov 2011) are on my calendar. I have benefited from your help in the past and look forward to continuing to benefit in the future as I get closer to Medicare sign-up. Thank you and have a wonderful day.

Deborah - Sedona AZ

Hi Ernie and Patti,

We received your email...thanks for keeping in touch and thanks for recently helping Sarah with some of my insurance issues. We certainly appreciate your assistance and follow through. Let us know when you will be in Prescott for your presentation and we may be there. Hope all is well with you.

Regards,

John and Sarah - Prescott AZ

Ernie,

You know more about Medicare than most anyone I know and you are very good at helping people sign up with the appropriate coverage. Medicare coverage and plans are so complex and change so frequently. I'm afraid that I am not as up to speed as I need to be; that's why you are on my speed dial!

Thanks,

Ted - Scottsdale AZ

Dear Ernie,

We saw our friend, Jason, yesterday and had a chance to tell him how pleased we are with your services.

Thanks,

Jeanne and Tom - Paradise Valley AZ

Dear Ernie,

We received the policy and are very pleased. We have heard very good things about Mutual of Omaha from a friend in the elderly care business. And, we're happy with the premium! Thanks for advising us so professionally.

Regards,

Amy and Richard - Phoenix AZ

Dear Ernie and Patti,

I learned so much at the workshop in Prescott. I need help buying additional coverage and need to do it soon. I will look forward to a phone chat with Ernie.

Best regards,

Judith - Prescott AZ

Dear Ernie,

Thanks for all of your help. We appreciate all of the time you've spent with us explaining everything, answering questions, etc. We also appreciate the fact that you did not "high pressure" us either. You need to be commended for both of these above comments.

Carol and George - Tempe AZ

Dear Mr. Bobel, 

Thank you so much for being so helpful and so pleasant in helping us find a replacement supplemental health insurance plan for our Medicare health insurance. Since my husband's job termination and hence loss of coverage, we have felt overwhelmed with "what to do" and you were wonderful (and calm) in helping.

With gratitude,

Anita - Gilbert AZ

To Ernie Bobel,

With an expression of grateful appreciation for outstanding participation in the community program sponsored by the Knights of Columbus, St. Bernadette Council #12164.

Kenneth, Grand Knight - Scottsdale AZ