07/27/2007
By: hollisbrown
Progressive Insurance
My friend, Al O'Reilly is an independent insurance agent who shops among some of the nation's leading insurers to find the best company to meet your needs and save you money. He gives you the personal attention you deserve to ensure that you get the coverage you need at a price you can afford. Stop in the office from noon to 8 p.m. weekdays or 10 a.m. to 5 p.m. Saturdays or give him a call for a free quote.
06/29/2011
By: michael1966
Allstate Insurance Agent: Andrew Fry
I was very pleased with everything. My parents had their insurance here for years and when my wife and I were buying our first home, I decided to shop around. I was surprised that Allstate not only had the best rates, but Andrew, the owner is great. He explained everything and the whole process went great. We already recommended them to our best friends and they saved hundreds!
09/11/2013
By: kdf123
Hergenhahn Insurance
Allen and his staff geniunely care about their customers. He is dedicated to making sure he does everything possible to make it easy being a policy holder with his agency at State Farm. Allen is one of the "good ol' guys" that this world needs more of.
05/27/2014
By: Alston C.
Insurance Plus
I can't believe I only pay $40 a month and it only took $30 to start! The staff explained things so I actually understood what I was buying.
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02/23/2017
By: Sangita S.
Cadillac Insurance Agency
Awesome...Worthy...and Absolutely - Greatly Helpful!! Hey...Go For It!! Pleasant services as well!!
12/17/2014
By: Oscar G.
Amigo Insurance Inc
They have better prices on town and people is very nice, great customer service.
07/15/2013
By: christine.martin.1420
Farmers Insurance - Gabriela Reyna
very friendly atmosphere and the staff is knowledgeable in all areas of business
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04/28/2015
By: Estela H.
Allstate Insurance Agent: Lilian Torres
Excellent customer service and product knowledge!
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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