Statefarm Locations & Hours Near Casper, WY -
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By: Michelle G.
Horace Mann Insurance, The Gould Agency LLC
They have great rates on home and auto insurance. The service is very personalized. Discounts for educators.
By: Jenny S.
Farmers Ins Group-Sandy Widmer Agency
It's been over a decade, so I can't recall how exactly I heard about Sandy Widmer, but I am glad that I did. She keeps me informed and I'm never wondering about how things are going, she beats me to it.
By: Dale W.
Farmers Ins Group-Sandy Widmer Agency
My experience with Sandy Widmer has been nothing short of excellent. The people are friendly and she makes sure you know what is going on with your insurance.
By: Lance L.
Farmers Ins Group-Sandy Widmer Agency
My wife and I have been going to Sandy Widmer for about 5 years now for our insurance. I like that she keeps me informed. 5 stars.
By: Burt H.
Farmers Ins Group-Sandy Widmer Agency
An awesome, fair insurance agent. I recommend Farmers Insurance to everyone I can, and no doubt they get 5 stars!
By: Mike T.
Farmers Ins Group-Sandy Widmer Agency
I use to have another insurance agent in the past, but then went to Farmers Insurance where I worked with Sandy, and they are just so good.
By: Carrie J.
Farmers Ins Group-Sandy Widmer Agency
Don't go to any other insurance agent other than Sandy Widmer. She is the best there is.
By: Gregory H.
Farmers Insurance - Rory Shogren
After my home suffered some damages, I was happy that I had Rory's team to help me recover and take care of everything. To which I might add, was taken care of very well. I like their office, everyone is always friendly!
By: Shannon C.
Farmers Insurance - Rory Shogren
5 years of Rory taking care of my residential and commercial insurance and I'm still using him because he does a nice job. He and his staff keep in touch with emails and etc which is helpful but I love the way they do things. Highly recommended.
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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