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Karen Ratcliff

Karen Ratcliff
AZ Insurance Planners
PO Box 1187
Sun City, AZ 85372
623-972-8991
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Helping you find the right coverage for you.

Individual & Family Options:


Major medical insurance Health insurance for individuals and families
  • Savings through extensive doctor and hospital provider networks
  • Health Savings Accounts (HSAs) allow you to pay medical expenses with tax-free funds
  • Tailor a plan to fit your individual needs from a wide range of benefit options
 Get a quote now or APPLY ONLINE!


Temporary insurance (Short Term Medical) Temporary health insurance for 30-180 days
  • Coverage as early as the day after application
  • Prescription drug coverage included in plan
 Get a quote now or APPLY ONLINE!




About Us

Karen Ratcliff is owner and founder of AZ Insurance Planners. She has 25+ years of experience in the insurance industry and uses that knowledge when helping you with your insurance needs. Our main goal is to listen to our clients and then work to find the coverage that best meets their needs.