Who’s Albert Ferrin?
Why Are Arizona Seniors Relying on Him to Protect Their Medicare, Money, and Legacy?
Let’s face it — navigating Medicare, annuities, and estate planning isn’t exactly fun. It's confusing. It's stressful. And one wrong move? It can cost you thousands or worse — your peace of mind.
That’s where Albert Ferrin comes in.
For over a decade, Albert’s been the go-to guy for baby boomers and retirees who want real answers, smart strategies, and a trusted advisor—not a pushy salesman.
He helps you cut through the noise and get clear on:
Which Medicare plan protects your doctors and prescriptions (without overpaying)
Which annuity (if any) gives you guaranteed lifetime income without locking up your money forever
How to protect your family, your assets, and your legacy — with the right estate and life insurance plan
Albert’s not just licensed—he’s seasoned, trusted, and grounded. And his background in Reiki and NLP gives him a rare edge: he doesn’t just sell products—he aligns your financial plan with your life. He’s also a proud dog dad to four dachshunds, which says a lot—because loyalty, patience, and a little fun go a long way. So if you're looking for someone who knows the system and knows how to make it work for you, not against you…
👉Reach out to Albert Ferrin at Senior Help And You / AJF Insurance Services today.
No pressure. No gimmicks. Just honest help from someone who cares.
Our Services
Medicare
Simplify your healthcare with expert support in choosing the right Medicare coverage.
Life Insurance
Secure your family's future with personalized life insurance protection.
Estate Planning
Ensure your legacy and wishes are preserved through strategic estate planning.
Annuities
Build a reliable income stream for retirement with customized annuity solutions.
ALBERT FERRIN.
A Heart for Helping Seniors
I’m Albert Ferrin, founder of Senior Help and You, dba AJF Insurance Services. I was born in Pasto, Colombia, and moved to the U.S. at just three years old, growing up in Illinois. Eventually, I made my home in
Arizona, where I met my wife and built a life filled with love—just the two of us and our four cherished dachshunds. When I’m not working, you’ll find me gardening or playing with my “kids” with paws.
I created Senior Help and You with a simple mission: to empower seniors with clear, honest guidance in Annuities, Estate Planning, Life Insurance, and Medicare. I believe every senior deserves someone who listens, explains, and stands by their side—not just another salesperson. With over 15 years of experience, I’m licensed, certified, and appointed across multiple states. I’ve proudly served as a SHIP counselor
in Arizona, offering trusted, unbiased support to help seniors make confident decisions about their health care and financial future.
“Every day, I’m grateful for the chance to help someone. This isn’t just my job—it’s my purpose. Whether you’re turning 65 or already retired, I’m here to walk with you, with patience, care, and understanding, every step of the way.”
About Senior Help And You
dba AJF Insurance Services
At Senior Help And You dba AJF Insurance Services, we help seniors protect what matters most with personalized solutions in Medicare, life insurance, annuities, and estate planning.
Our mission is simple:
minimize your risks, protect your future, and give you peace of mind—with coverage tailored just for you.
Why Choose Us?
Personal guidance every step of the way
Solutions built around your unique needs—not one-size-fits-all policies ✨ Take the next step toward security and confidence—Let’s Talk
The Trust We've Earned
Extraordinary customer service 👍 you have a professional attitude and go the extra mile! For me, over and beyond helpful. Bailing me out of a situation that was not brought to my attention for almost a year! I am very grateful for you and your service now for many years.
The Ferrins give excellent and timely service. If you are having problems with your insurance coverage they will step in to resolve the issues for you. Didn't get this type of service from my last agent.
I recently retired and I was looking for someone to help me with understanding Medicare and found Albert Ferrin his wife have made the process so easy to navigate through and you get very professional and knowledgeable help.
STILL NOT SURE?
Frequently Asked Questions
Annuitues
1. What is an annuity, and how does it work?
An annuity is a contract where you invest money (once or over time) and in return
receive regular income—often for life.
2. Are annuities safe from market losses?
Yes. Fixed and fixed-indexed annuities protect your principal—even when the stock
market drops.
3. Can I still access my money in emergencies?
Most annuities offer free withdrawals or income riders. We make sure you're never
locked in without flexibility.
4. Who should consider an annuity?
If you want guaranteed income, market protection, or lifetime payouts, an annuity
may be right for you.
5. What happens to my money if I pass away early?
You can choose options that pass remaining funds to a spouse or beneficiary—so
nothing goes to waste.
6. Are annuities taxed?
Yes, income is taxed as ordinary income when withdrawn, but there are ways to
structure it tax smart.
7. How do I know which annuity is best?
We’ll review your goals and compare multiple options—so you pick what fits, not
what’s pushed.
Life Insurance
1. What type of life insurance is right for me?
It depends. We’ll help you compare term, whole, and final expense options based
on your age and goals.
2. Can I get coverage without a medical exam?
Yes. Many policies offer no-exam or simplified underwriting, even if you have health
issues.
3. Is life insurance expensive at my age?
It doesn’t have to be. We collaborate with carriers that offer affordable options for
seniors and retirees.
4. Can life insurance cover more than just funeral costs?
Absolutely. It can also pay off debts, replace lost income, or leave a tax-free legacy
to loved ones.
5. What happens if I outlive my term policy?
We’ll show you options to convert, renew, or switch to permanent coverage before
that happens.
6. Will my rates go up over time?
Term policies have level premiums for the term length. Permanent policies can lock
in rates for life.
7. How fast can I get covered?
Some policies can be approved in 24–48 hours. We make it easy.
Estate Planning
1. Do I really need a will or trust?
Yes. A will or trust ensures your wishes are followed, assets are protected, and your
family avoids court delays.
2. What’s the difference between a will and a trust?
A “will” takes effect after death and goes through probate. A “trust” is private, skips
probate, and starts right away.
3. How do I choose a power of attorney?
Choose someone trustworthy who understands your values. We guide you through
this step thoughtfully.
4. Will my estate go through probate?
If you only have a will, likely yes. A properly designed trust can avoid probate
entirely.
5. Is estate planning only for the wealthy?
Not at all. If you own a home, have savings, or care about your family, you need a
plan.
6. Can I update my plan later?
Yes. Your plan should grow with you. We help make updates easy and affordable.
7. What documents do I need?
Most plans include: will, trust, powers of attorney, and healthcare directives. We
explain each clearly.
Medicare
1. When should I enroll in Medicare?
Start 3 months before your 65th birthday to avoid late penalties and coverage gaps.
2. What’s the difference between Medicare Advantage and Medicare
Supplement?
Advantage (Part C) bundles benefits and extras. Supplement (Medigap) fills in cost
gaps in Original Medicare.
3. Can I keep my doctor with Medicare?
We check your doctor’s network status to make sure your plan fits your care
preferences.
4. What’s included in Medicare Advantage?
Often includes dental, vision, hearing, prescriptions, and even grocery or utility
cards.
5. Can I get help if I’m on a fixed income?
Yes. You may qualify for Medicaid, Extra Help, or Special Needs Plans. We check for
you.
6. What if I already have coverage from work or the VA?
We review your situation to see if Medicare works better—or helps fill gaps.
7. How much do your services cost?
Nothing. We’re paid by insurance carriers—so our help is always free to you.
Get In Touch
Questions? Call us now:
Send us an email
Visit our office
Mesa Arizona 85204
Schedule Free Consultation
Book a free consultation with our insurance specialists
Get a Free Quote
Complete the form below to receive a personalized insurance quote
This is a solicitation for insurance. Important disclosures about Medicare Plans: Medicare has neither endorsed nor reviewed this information. Not connected or affiliated with any United States Government or State agency. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction.
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