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07/16/2015
By: critter2279
Larsen & Assoc
I've been with Larsen Insurance Agency for a few years now and am really pleased with the services. I love that they are always able to help me with my questions via email in a fast manner! They are always willing to help me find the best price for us and do the shopping around so that I don't have to do it myself! 5 star service and affordable prices! Plus I received a gift card for referring a friend! BONUS!!
12/05/2007
By: malissamay
Potwora Agency West
This company strived to make the customer happy and is always on a look out to save you money and make sure that you are covered in every aspect that you need!
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12/02/2015
By: Edward B.
Allstate Insurance Agent: Edward Bartel
There was a change in ownership in 2014. The husband and wife team currently there care for their customers and the team provide excellent service!
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07/13/2015
By: Richard S.
Larsen & Assoc
Tom and staff are always professional timely courteous informative and pleasant
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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