Insurance decisions
shouldn't be so confusing!

That's why we make
understanding your insurance options easy for you.



Our goal is to listen to your needs
and then to find the coverage that
best fits YOUR insurance needs.

We then follow your application
through the underwriting process
toward approval.

We pride ourselves in always
being available when you need us.

We focus on our clients' needs.
Karen L. Ratcliff
Certified Senior Advisor
Independent Broker
(623) 972-8991
E-Mail:
info@azinsuranceplanners.com
Karen Ratcliff is an independent insurance broker and is contracted with many insurance companies.  The insurance companies compensate Karen based on your enrollment in a plan.  It is important to know that the rates that you are being presented with are the same as the rates offered by the insurance company.