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09/05/2017
By: Erin H.
Lehigh Valley Insurance Brokers L
Lehigh Valley Insurance Brokers are THE BEST! I cannot recommend them enough. I've been with them for something like 7 years, and they have saved me so much money over that time. They first set me up with a very reliable auto insurance company, at much less cost than I had been paying previously. Then, without me having to do anything, they contacted me to let me know they could get me a better rate with another company. I took the offer up and my fiance and I got on the same plan. We now pay 1/4 of what we were paying combined!! The savings have been such a huge help to us, as we are planning our wedding right now. They are always friendly, they are always available, and I am always a satisfied customer. I am very grateful for their services!
05/14/2015
By: Kyle H.
Lehigh Valley Insurance Brokers L
What an amazing office! I was referred to them 2 years ago & they cut my auto/home insurance bill in half. Then they call me up last week because my carrier was set to take a rate increase & they identified an even better fit for me. I was amazed that a business would actually proactively call me just to help me out. I'll be a customer forever!
01/04/2017
By: Belinda W.
Lehigh Valley Insurance Brokers L
LV Ins. Brokers saved me quite alot over my old policies for auto/homeowners ins. Also, they're very attentive to detail, professional & courteous and just plain a pleasure to deal with! When you call with a question, if you get voicemail, they call back pretty quickly with an answer. I would strongly recommend them.
08/29/2013
By: Kevin S.
Kevin Schweitzer - State Farm Insurance Agent
Simply the best place to get insurance in the Lehigh Valley!
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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