Income replacement, debt protection, and legacy planning
Life Insurance
Life insurance is not just about leaving money behind. It replaces lost income, pays off debts, provides estate liquidity, and ensures your family keeps the life you built for them.
More Than a Death Benefit
Most people think of life insurance as a death benefit. It solves much broader problems. Life insurance replaces lost income, eliminates debts, provides estate liquidity, and transfers wealth tax-efficiently. The general guideline is 10 to 15 times annual income, but the right number depends on your debts, your family's needs, and how many years of income you want to replace.
Life insurance is not about leaving money behind. It is about solving the specific financial problems your family will face if you are no longer there to solve them yourself.
What the Right Policy Actually Solves
We shop multiple carriers, coordinate coverage with your estate plan, and confirm every piece works together. Most engagements address one or more of the following.
- Income replacement, covering the years of paychecks your family would lose if something happened to you
- Debt elimination, paying off the mortgage, car loans, and credit cards so survivors keep what you built
- Estate liquidity, providing cash so heirs do not have to sell property or business interests to pay taxes
- ILIT-structured wealth transfer, using an irrevocable life insurance trust to pass wealth outside the taxable estate
- Business protection, funding buy-sell agreements and key-person coverage
Why It Matters
Without coverage, your family inherits the bills. Mortgage payments still come due. Lenders still want to be paid. Estate costs still need to be settled. Life insurance is what turns a financial catastrophe into a manageable transition. The earlier the coverage is placed, the cheaper and more flexible it tends to be.
Life insurance is not about leaving money behind. It is about solving the specific financial problems your family will face if you are no longer there to solve them yourself.
Coverage Makes the Difference When...
Anyone depends on your income or your assets.
- Breadwinners. If your family depends on your paycheck, life insurance replaces that income so they can maintain their standard of living.
- Homeowners with a Mortgage. Life insurance can pay off the mortgage so your family keeps the home without the monthly payment.
- Business Owners. Life insurance protects your business, funds buy-sell agreements, and ensures your partners or family can continue operations.
- People with Estate Tax Exposure. If your estate exceeds the federal exemption, life insurance provides the cash to pay estate taxes without liquidating assets.
Who You Work With
Licensed, Credentialed, and on Your Side
Your plan is only as strong as the people behind it. The advisors below are the licensed agents and consultants who design, place, and service your coverage.
Chris Cohan
CEO | ChFC®, RMA®
ChFC® · RMA® · Series 6, 63, 65 · AZ Life & Health
With over 25 years in financial services and deep Arizona roots, Chris takes a steady, thoughtful approach to wealth and estate planning. As a Chartered Financial Consultant® (ChFC®) and Retirement Management Advisor® (RMA®), he helps individuals and families build, protect, and transfer wealth through personalized strategies.
View ProfileStephen Levin
Tucson Director of Risk Management | Senior Planning Consultant | Licensed Insurance Agent
Series 65 · Licensed Insurance Agent
Stephen brings a background in risk management to his role at RJP, where he helps Tucson-area families protect what they've worked so hard to build. Before transitioning into estate and insurance planning, he spent years in risk-management leadership, learning how to spot vulnerabilities and build strategies that hold up when it matters most.
View ProfileChris Zajdzinski
Wealth Management Advisor, Fiduciary | Licensed Insurance Agent
CLU · Series 6, 63, 65 · Fiduciary · AZ Life & Health
With more than 30 years of experience in financial services, Chris is dedicated to helping individuals and families make informed, confident decisions about their financial future. As a Wealth Management Advisor and Fiduciary, he works closely with clients to understand their concerns and offers guidance tailored to their unique needs and priorities. His experience includes retirement income planning, risk management, and estate and legacy planning.
View ProfileRon Tallou
Wealth Management Advisor, Fiduciary
Series 6, 63, 65 · Licensed Insurance Agent
Born and raised in Michigan, Ron developed a strong work ethic and deep appreciation for community values early in life. These formative experiences ignited a lifelong passion for wealth management, ultimately shaping his career in finance.
View ProfileThomas Fryar
Senior Planning Consultant | Licensed Insurance Agent
Licensed Insurance Agent
As a financial services professional since 1978, Thomas has developed risk-managed retirement income and estate-transfer strategies that help clients protect lifetime cash flow, provide for surviving spouses or special-needs family members, and pass wealth efficiently across generations. His four decades in life insurance and planning inform a disciplined, education-driven approach to protecting family assets.
View ProfileDimitri Redwood
Wealth Management Advisor, Fiduciary | Licensed Insurance Agent
Series 7 · Series 6 · Series 63 · Series 65 · Fiduciary · Licensed Insurance Agent
Dimitri works with Tucson-area families on the financial side of estate planning, helping clients think through how to protect what they've built and pass it on the way they want. With six years of experience as an advisor, including time at an investment firm, he brings a practical perspective to every conversation. He takes time to listen first, then walks each family through their options in plain language so they can make decisions with confidence.
View Profile
Client Testimonials
Common Life Insurance Questions
Answers to the questions Arizona families ask most about life insurance.