Understanding Life and Health Insurance can be a challenge. Lloyd and Sons Insurance believes in educating our clients, empowering them to make informed decisions. We achieve high client satisfaction by providing personal, professional service and care, something missing in today's marketplace. In our busy lifestyles of raising families, demanding careers and active retirements time is at a premium.
Let us save you time by doing the "shopping" for you.
Let us save you time by doing the "shopping" for you.
Services
Located in Goodyear, AZ., Lloyd and Sons Insurance serves all of Maricopa County and Western Washington.
Owned and and operated by me, Kevin Lloyd, an independent insurance agent since 2005.
I started my career as a captive agent in Washington State, but after about three years discovered I was no longer competitive in the market.
In late 2008 I became independent and began representing a multitude of carriers, doing the "shopping" for my clients, gaining their trust and creating client loyalty in the process.
Owned and and operated by me, Kevin Lloyd, an independent insurance agent since 2005.
I started my career as a captive agent in Washington State, but after about three years discovered I was no longer competitive in the market.
In late 2008 I became independent and began representing a multitude of carriers, doing the "shopping" for my clients, gaining their trust and creating client loyalty in the process.
Before choosing a plan we want to be sure you know the difference between your many options; In particular how Medicare Supplements and Medicare Advantage Plans differ.
Many people sign up for Advantage Plans thinking they are Supplements, they are not.
A Medicare Supplement Insurance Plans is used with original Medicare.
Any caregiver that accepts Medicare will take a Supplement because they only need to bill Medicare.
Medicare pays their part (generally 80% of Medicare covered benefits) and sends the remainder of the bill to the Supplement which pays their part (generally 20%).
Many people sign up for Advantage Plans thinking they are Supplements, they are not.
A Medicare Supplement Insurance Plans is used with original Medicare.
Any caregiver that accepts Medicare will take a Supplement because they only need to bill Medicare.
Medicare pays their part (generally 80% of Medicare covered benefits) and sends the remainder of the bill to the Supplement which pays their part (generally 20%).
Life insurance may be one of the most important purchases you'll ever make.
In the event of a tragedy, life insurance proceeds can help pay the bills, continue a family business, finance future needs like your children's education, protect your spouse's retirement plans, and much more.
If you're considering securing you and your family's financial future, we would be happy to review your current situation and offer a few ideas on how you can protect it!
Term Insurance is the most affordable type of insurance when initially purchased, is designed to meet temporary needs.
In the event of a tragedy, life insurance proceeds can help pay the bills, continue a family business, finance future needs like your children's education, protect your spouse's retirement plans, and much more.
If you're considering securing you and your family's financial future, we would be happy to review your current situation and offer a few ideas on how you can protect it!
Term Insurance is the most affordable type of insurance when initially purchased, is designed to meet temporary needs.
In its most general sense, an annuity is an agreement for one person or organization to pay another a stream or series of payments.
Usually the term "annuity" relates to a contract between you and a life insurance company, but a charity or a trust can take the place of the insurance company.
Many investments are taxed year by year, but the investment earnings-capital gains and investment income-in annuities aren't taxable until you withdraw money.
This tax deferral is also true of 401(k)s and IRAs; however, unlike these products, there are no limits on the amount you can put into an annuity.
Usually the term "annuity" relates to a contract between you and a life insurance company, but a charity or a trust can take the place of the insurance company.
Many investments are taxed year by year, but the investment earnings-capital gains and investment income-in annuities aren't taxable until you withdraw money.
This tax deferral is also true of 401(k)s and IRAs; however, unlike these products, there are no limits on the amount you can put into an annuity.
Any form of life insurance provides beneficiaries with an ongoing source of income in the event of the breadwinners passing.
Highlighted below are the differences between Whole Life Policies and Term Life Policies.
Term life insurance is the most affordable way to protect your family's financial security if something happens to you.
It replaces your income and helps ensure that the ones who depend on you can support themselves in your absence.
Term Life insurance provides coverage for a specific period of time.
Highlighted below are the differences between Whole Life Policies and Term Life Policies.
Term life insurance is the most affordable way to protect your family's financial security if something happens to you.
It replaces your income and helps ensure that the ones who depend on you can support themselves in your absence.
Term Life insurance provides coverage for a specific period of time.
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