Phoenix Life Insurance

We specialize in helping individuals, families, and businesses understand and select life insurance coverage as part of a well‑rounded financial plan.

What we do

• Explain life insurance in clear, simple terms without sales pressure.
• Help you compare policy options from multiple "A" rated carriers nationwide.
• Tailor coverage to your needs and goals (family protection, income replacement, business protection, employee benefits, and more).
• Support you over the long term, reviewing and adjusting coverage as your life changes.

Who we serve

• Individuals and families looking to protect loved ones financially.
• Business owners needing protection for the business or key employees.
• Employers wanting to offer life insurance as an employee benefit.

Location and contact

• Agency name: Phoenix Life Insurance (part of Phoenix Health and Life Insurance Agency)
• Address: 20823 N CAVE CREEK RD, Building B Suite 101, Phoenix, AZ 85024
• Primary phone: (480) 588-3107
• Website: https://lifeinsurancephx.com

For current office hours or to schedule a meeting, please call the office.

Service area

Phoenix Life Insurance serves clients throughout the greater Phoenix metro area and many communities across Arizona, including (but not limited to): Phoenix, Chandler, Gilbert, Scottsdale, Glendale, Mesa, Tempe, Avondale, Goodyear, Peoria, Surprise, Sun City, Sun City West, Sun Lakes, Queen Creek, San Tan Valley, Anthem, Apache Junction, Arrowhead, Buckeye, Carefree, Cave Creek, El Mirage, Fountain Hills, Gila Bend, Gold Canyon, Laveen, Litchfield Park, New River and Paradise Valley.

Important notice

Phoenix Life Insurance does not offer every plan available in your area. Any information provided is limited to the plans we do offer. For a full view of all options available to you, you can also visit Medicare.gov or call 1‑800‑MEDICARE.

Phoenix Life Insurance offers a variety of individual life insurance policies designed to:

• Provide financial support for your spouse, children, or other dependents after your death.
• Help cover day‑to‑day living expenses, debts, or other obligations.
• Contribute to long‑term financial planning and protection.

Joint life insurance

Joint life insurance policies are designed to cover multiple people (for example, spouses) under one policy.

Key ideas from the agency:

• One policy can provide coverage for more than one person.
• Can offer flexibility for how you and your beneficiaries are protected.
• Specific structures (such as first‑to‑die or second‑to‑die) depend on the carrier and product selected.

Business life insurance

Phoenix Life Insurance can assist businesses with life insurance needs, including:

• Policies that help protect the business if a key employee or owner dies.
• Coverage that may support business continuity or buy‑sell arrangements (details and availability depend on the specific carrier and policy).

Employee life insurance (group or workplace coverage)

The agency can also help employers explore life insurance options as an employee benefit, such as:

• Life insurance offered to employees as part of a benefits package.
• Assistance evaluating and choosing appropriate coverage structures through the carriers Phoenix Life Insurance works with.

For details on which carriers, plan designs, and coverage levels are currently available, please contact Phoenix Life Insurance directly. This document does not list every possible product or guarantee eligibility.

Phoenix Life Insurance helps you understand and compare several major types of life insurance. The agency focuses on education first, so you can decide what best fits your needs and budget.

Term life insurance

Term life insurance provides temporary coverage for a specific period (the term) as long as premiums are paid.

Key points from Phoenix Life Insurance:

• Provides coverage for a limited time period (term).
• Pays a death benefit if you pass away during the term.
• Typically does not build cash value.
• Usually the least expensive way to obtain a given amount of coverage initially.
• Many policies may be renewable or convertible, depending on the carrier and product.

Whole life insurance

Whole life insurance (often called traditional life insurance) is designed to provide coverage for your entire lifetime, as long as premiums are paid.

Key points from Phoenix Life Insurance:

• Provides lifetime coverage.
• Builds cash value over time, which becomes an asset you may be able to access during your lifetime (depending on the policy terms).
• Premiums are typically level for the length of the policy.
• Some policies may offer flexible premium options.

Universal life insurance

Universal life insurance is a form of permanent life insurance that combines a death benefit with a savings or investment component.

Key points from Phoenix Life Insurance:

• Provides permanent coverage when properly funded.
• Combines a death benefit with a cash value component.
• Cash value can accumulate over time.
• Often offers flexible premium options (for example, single, fixed, or adjustable payments, depending on the product).

How Phoenix Life Insurance helps

• Explains how each policy type works, in plain language.
• Reviews which type (or combination) may better fit your situation and objectives.
• Helps you compare options from multiple insurance carriers.

For specific policy recommendations, costs, or illustrations, please contact the agency directly by phone or through the website. This document does not provide prices or personalized advice.

Phoenix Life Insurance serves clients in and around:

• Phoenix
• Chandler
• Gilbert
• Scottsdale
• Glendale
• Mesa
• Tempe
• Goodyear
• Peoria
• Surprise

Additional Arizona communities

According to the agency's own website sitemap, Phoenix Life Insurance also promotes service to many other communities, including (but not limited to):

• Anthem
• Apache Junction
• Arrowhead
• Avondale
• Buckeye
• Carefree
• Cave Creek
• El Mirage
• Fountain Hills
• Gila Bend
• Gold Canyon
• Laveen
• Litchfield Park
• New River
• Paradise Valley
• Queen Creek
• San Tan Valley
• Sun City
• Sun City West
• Sun Lakes

If you are elsewhere in Arizona and are interested in working with Phoenix Life Insurance, you can contact the agency to confirm whether they can assist you remotely or refer you appropriately.

Lists Buckeye, Chandler, El Mirage, Fountain Hills, Gilbert, Glendale, Goodyear, and Mesa as a location. Names Arizona, Buckeye, Chandler, El Mirage, Fountain Hills, Gilbert, Glendale, and Goodyear as a service area. Areas beyond these are not published.

• The agency's top priority is to provide an informative and friendly environment.
• You can learn about the variety of life insurance policies available without being pressured into buying something you are not sure of.
• Agents take the time to explain all of your options carefully so you can decide whether a given policy is right for you.

Why work with a licensed agent

Phoenix Life Insurance strongly recommends working with a licensed agent rather than trying to buy life insurance entirely on your own:

• Buying through an agent does not cost more than buying directly from an insurer.
• A knowledgeable, licensed agent can help you avoid costly mistakes and underpowered policies.
• You gain a long‑term relationship with someone who understands your goals and can recommend coverage adjustments over time.

Phoenix Life Insurance notes that licensed agents (such as Frank Stevens and the team at Phoenix Health and Life Insurance Agency) are approved by the Arizona Department of Insurance to sell a variety of life insurance policies.

After you buy a policy

Once you have purchased life insurance through Phoenix Life Insurance:

• The agency's goal is to provide peace of mind and assurance for your family.
• They are committed to helping ensure that the insurance company processes claims quickly and efficiently, so beneficiaries can access funds without unnecessary delay.
• The agency is available to review your coverage as your life circumstances change and to help you make adjustments when needed.

For assistance getting started, updating an existing policy, or asking about claims, please contact Phoenix Life Insurance by phone or via the website's contact options.

Ask anyway — the agent will say plainly that it is not published rather than guess.