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05/18/2017
By: Lrrpr R.
New Generation Insurance Services
ABSOLUTE BEST INSURANCE AGENCY IN BAKERSFIELD!Carlynn at New Generation Insurance is the best! We were previously dealing with another insurance agency who held our homeowners and I had some questions. I repeatedly contacted our agent over the course of 2 months (yes you read that correctly - 2 MONTHS!!!) however we never received even one response! Becoming increasingly frustrated, I decided to look into other options and came across New Generation and Carlynn. After initially speaking to her and explaining our situation, she immediately top-line assessed where we were over the phone, explained next steps and offered NG services. That gave us the confidence we needed that they would help us out. She went to work lightning fast! Carlynn had several options available to us ready to present when we met for our appointment. She walked me thru each and every option, explained them in detail, demonstrated the utmost patience and understanding with my endless questions and even gave me various scenarios as to what and how coverage would affect us as homeowners. She also explained the entire process to switch over our insurance. She is incredibly knowledgeable and provides the answer before you even ask the question. All I can say is this is the best experience dealing with Carlynn and the New Generation Insurance agency. You won't be disappointed.
04/20/2014
By: Antonio L.
Omni Safe Insurance Services
If you need auto insurance or just looking around for a better quote, look no further. The friendly and professional agents at Omni Safe work with you to get you the best prices at the coverages you need. Even if your like me with a less than perfect driving record, Omni Safe still managed to get me a slightly cheaper quote with the same coverage than my previous company. Also from personal experience, if you ever have any questions or concerns with your policy, you can always give them a call and they'll help you out over the phone as if you were in their offices. I would highly recommend this great growing company.
12/17/2010
By: halley10
Allstate Insurance Agent: Rob Hill
We were so excited to see a new Allstate office near our house! I went in today and the staff are so nice and very knowledgeable and friendly. I wanted to get a quote on our car insurance and house insurance. They explained all of the different coverages and what they all meant - no one had ever done that for me before so I never really knew what I was buying. Their prices were so good that I bought both the car and the house insurance - they were much cheaper than my other insurance. I would recommend them to anyone looking for friendly service!
04/19/2014
By: Vicente R.
Omni Safe Insurance Services
I work at car dealership and everytime that i get a customer and they need insurance i call Alex and the response is real quick good service to my customers on time every time and also when i needed insurance for my personal vehicle i called Alex and the quote and service was awesome and on time just like he said he would be... I recommend this insurance company to everyone and always to talk to Alex... Thanks...
03/27/2014
By: Mike S.
Omni Safe Insurance Services
When I first stopped by their office I was a bit hesitant as I had never heard of Omni Safe. I was greeted by Alex who is now my Agent. He made me feel comfortable and explained everything in detail. I was dropped by my previous insurance company because I had an accident. Alex got me insured and gave me a better price than what I was paying with farmers with a clean driving record. I recommend him to everyone.
04/19/2014
By: daniel.morrison37
Omni Safe Insurance Services
I know a LOT of Insurance Agents in the city, but very few are of the caliber of Alex at Omni Safe. You want great pricing? You want personal service? You want a guy that'll come to your aid no matter where you are? ALEX IS YOUR MAN. Easily one of the best people I do business with. In ANY area of my life. You want a great insurance company? CALL OMNISAFE. You won't be disappointed. That's a promise. :-)
04/26/2017
By: Aasia N.
Allstate Insurance Agent: Shannon Hill
I have been a customer with this specific office for years & I have never encountered a problem. They call me periodically to see if I need any additional insurance or if I have any questions & it really makes me feel like they value my business. My renters insurance claim was handled promptly & efficiently. I appreciate the excellent customer service shown by Shannon Hill & her office staff.
03/03/2017
By: Craig B.
Farmers Insurance - Jason Boyd
Jason is a great insurance agent and Financial Advisor. He has been my financial advisor for the past 10 years and my portfolio and IRA have trippled. He also has insured all of my properties and autos as well as life insurance for my whole family. He is very knowledgeable and passionate with his business. I highly recommend him and his Agency for all of your insurance and financial needs.
08/08/2016
By: Mark C.
Mike Alexander - State Farm Insurance Agent
I found this agency online, when I was in desperate need of auto insurance. I was able to get a great rate an auto insurance, also renters insurance on my apartment over the phone in under 20 minutes. Plus I know I have an agent that is There for me. I would highly recommend Mike Alexander State Farm.
04/19/2014
By: marisela.zepeda.10
Omni Safe Insurance Services
Customer service wonderful, prices are incredible wouldn't go to any other insurance company. In 30 minutes I was leaving with my car off the lot. Alex was very helpful and gave me the right coverages that I needed. Couldn't be happier I recommend Alex Enciso.
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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