American Family Insurance Locations & Hours Near Arvada, CO -
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By: John S.
Ralph Kirkbride Ins
always on top of the needs of his clients.speaks kind words for everyone he meets.offers solutions to everyday issues
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By: Marissa R.
Leeper Insurance Agency Inc
Leeper Insurance is absolutely great to work with. They are very professional and helpful. I would recommend them to all!
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By: Lori F.
Brawner Agency Inc
The best agent ever!!!! He really cared about his clients and well as his family members who also worked in the office.
By: Ron L.
McGinn Insurance Professionals, Inc
WORST EXPERIENCE EVER. Rich McGinn wrote me a GL policy on April 12th via phone, took my payment in full via credit card-$720. Cancelled his meeting with me the next day at the last minute. I came in on the 15th to sign policy. Immediately after signing policy,he stated that he had an issue and he could not insure me and said the policy is cancelled. He said I would get a prorated refund.When I asked for policy cancellation confirmation a few days later, he said I had to sign a cancellation notice. He reversed his previous position and said the policy was still in affect, and that "he was just an agent and could not cancel it" The main company had to do it via a cancellation request.Why didn't he have me fill out cancellation request when I was there?long story short, extremely poor customer service- forced me to wait for prorated refund. 2 weeks waiting now. Rich didn't care about telling me there was a 45 day cancellation clause, got irate when I didn't know answers to his ?'s
By: phishybob9
Leeper Insurance Agency Inc
My experience with Leeper Insurance has been fantastic. They are very experienced and knowledgable profesionals. I have been a long time customer with Leeper Insurance and they have been able to meet all my needs for both personal and commercial insurance. The customer service at this agency is top notch. They are always friendly and eager to help. Keep up the good work!
By: sherylelliss
Allstate Insurance Agent: Scott Huff
Simply, the best! Honest, sincere, and treat you like family!
Tips & Advices
There are many different providers and plan types, so  shopping for life insurance can be complicated. The first step involves understanding the type and amount of life insurance you need. From there, use online tools or contact local insurance agents to get quotes on rates and learn about how to apply.
The cost of a life insurance policy is determined by two things: the guaranteed benefit amount and the individual risk of the policyholder. The latter is more complicated, and includes many  factors, including health, age, and  occupation. As of May 2017, a 30-year-old woman purchasing a 20-year, $250,000 term life policy can expect to pay about $141 per year. For comparison, a 60-year-old woman purchasing the same policy can expect to pay $1,033 per year. Since women have longer life expectancy on average than men, the latter can expect to pay slightly more. The same 20-year, $250,000 term policy will cost a 30-year-old man $156 per year on average.
Certain specialized policies may provide income replacement in the event of disability, disease, or another situation where it may be impossible to work and medical expenses are high. One common alternative is known as an “accidental death and dismemberment” policy. AD&D policies work similarly to term life plans, but will only pay out death benefits when a fatality is caused by an accident, or if the policyholder loses a limb or the ability to see or hear. Death from a heart attack or cancer, for example, is usually not covered by AD&D, but these policies might offer lower premiums than a standard term plan.
Many adults with children choose to buy a term life plan that covers them from the birth of a child until they turn 18, which is often the most cost-effective way to insure against the risk of income loss from unexpected death. While it  is possible to save enough cash or invest to provide even more funds in case of such an emergency, investing is subject to more risk of loss than a life insurance plan, and accumulating enough savings to provide a sizeable safety net can be difficult.
Whole life and universal life plans are each considered a type of “permanent life insurance.” Universal life is often similar in concept to whole life, but offers more flexibility in premium payments and cash withdrawals. For example, you might be able to temporarily pause or reduce premium payments at any time under a universal policy. It’s also often possible to borrow from what you’ve already paid into the plan or against a guaranteed death benefit in the form of a loan.

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