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08/29/2012
By: runningfreak13
Suzanne Cork - State Farm Insurance Agent
Discount Double Check baby!! Anyway you want it, that's the way I need it. Saw them in Fresno '83, place was packed with chics! They saved me over $400 every year when I switched over, amazing customer service and very friendly receptionist.
07/08/2015
By: George R.
Farmers Insurance - Adrian Romano
Adrian Romano, along with the whole staff at Farmers Insurance have provided me with great customer service that I don't plan on leaving. I recommend you looking more into these guys.
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07/29/2015
By: Theo W.
Farmers Insurance - Adrian Romano
The people at Farmers Insurance - Adrian Romano are really nice. They do everything perfectly as far as I'm concerned. I highly recommend Farmers Insurance - Adrian Romano.
01/19/2015
By: William J.
Farmers Insurance - Adrian Romano
Adrian Romano is very attentive and does his best to determine the best rates and policies for you. He does a great job of always being available when needed.
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08/26/2015
By: Hattie T.
Farmers Insurance - Adrian Romano
I heard about Farmers Insurance - Adrian Romano through business. I've been using them since and would highly recommend them.
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01/16/2017
By: lmar223
Farmers Insurance - Eric Romano
Wonderful service and Eric and Nicole are always very responsive and are able to address my needs and offer solutions.
09/10/2014
By: John T.
Farmers Insurance - Adrian Romano
They have been extremely helpful to us and also letting us know about new policies and how we can improve our plan.
06/28/2016
By: Dan C.
Timberline Insurance Agency
I highly recommend Timberline Insurance to all of my friends and family. They have worked with me for many years.
03/23/2016
By: Gabi F.
Farmers Insurance - Adrian Romano
I really like Adrian Romano Agency! They've always been able to save me money and I don't have any complaints.
03/26/2015
By: Peter M.
Farmers Insurance - Adrian Romano
I have been a client of Adrian for about 6 or 7 years. I am always pleased with the work they do for me.
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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