01/02/2012
By: harold_l
Jim Tom - State Farm Insurance Agent
A+ is the grade I would bestow upon my agent Jim Tom, and my sincere appreciation for the recent refund I received from his corporate office. It all started with a recent $89 bump up on my Honda insurance. I called agent Tom's office, who took the time to review my policies to make sure everything was up to date. After I had let him know I no longer drove my Honda to work, he advised me that would lower the premium. I had already sent my payment in, but recently I received a refund check for about the same amount it had increased. In reviewing my condo policy, he discovered I no longer needed the large coverage which I had, plus he also bumped up my deductible, which resulted in me getting another nice refund back on my condo policy. In this day and age of insurance companies not looking out the the little guy, I'm glad I have agent Tom to look out for my back.
09/26/2016
By: lindawhisnant
Maylen Delgado - State Farm Insurance Agent
I would like to take this time to acknowledge the support that I received from my State Farm agent Maylen Delgado and how helpful she was in saving me money on homeowner's and automobile insurance. I was able to save over fifty dollars each month during the past year for both policies totaling over six hundred dollars. With this economy, it has been extremely to have extra money to splurge on non-essential items like bowling, movies, restaurant meals, but my savings have allowed me to do more with my family. Maylen is resourceful and very easy to get in contact with. I value her input and commitment to excellence.
01/17/2014
By: sally12e
Maylen Delgado - State Farm Insurance Agent
State Farm insurance should be pleased to be represented by agents like Maylen Delgado who goes out of her way to make sure that her clients receive the best of care in various services offered by State Farm. Looking over my policy gives me comfort knowing that my auto coverage protects me from known and unpredictable situations. My policy was geared to what I could afford and not cause me an economic hardship. I could not have asked for a better agent. Thanks Maylen for all you have done for me and I look forward to working with you in the future.
09/26/2016
By: judykemp
Maylen Delgado - State Farm Insurance Agent
In Chicago, you're crazy not to have a triage of insurance protection. With the amount of vehicle traffic, inclement weather, dangerous communities, lack of safe and healthy work environments, one must be prepared for the unexpected. That's why I have State Farm insurance coverage. It gives me the support that I need for my family and myself. It is equally rewarding to have an insurance agent like MS. Delgado, who brings quality to the representation that she provides to her clients. She knows her business well.
08/05/2009
By: seasaw9293
J P Flanagan
This was absolutely the best decision I have ever made. I had been in glasses or contacts for 30+ years, now my vision is awesome without any aides what so ever. My surgery was in Indy, what a great group of professionals. As soon as my son turns 18, I will be taking him to have Lasik, I guess that should sum up my experience, I trust them to take care of my son. Thanks for giving me my sight back!
02/09/2012
By: mediacure
World Insurance at Rezai Insurance Agency
great service with multiple insurance carriers for all kinds of insurance including low cost and high quality auto insurance, renters and home owners insurance and business or commercial insurance of all kinds. Savings are normally 20%-50% or higher compared to a general insurance carriers. The more diffiukties you get in purchasing covearge, the better chance of savings here.
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01/31/2017
By: Jordan G.
John Coren - State Farm Insurance Agent
John and his team are super friendly, helpful and they know what they are talking about. I would highly recommend to anyone looking for an agent that doesn't just care about the sale but actually takes the time to care about your needs and what is best for you. They always answer my calls and I never feel like they don't care about me or my questions.
12/12/2012
By: michellem99
State Farm Insurance
I switched recently and I was able to save money on both my car and home insurance. They did a good job making it easy for me and they did all the work when it came to contacting whoever needs to be contacted. I did save money on both & did buy Life insurance from them as well. I haven't had a claim yet but so far I'm happy with the service.
07/31/2013
By: kevinmrockett
Allstate Insurance Agent: Malham Family Agency
I'm very happy with Ronne Malham's Allstate office. I was treated with nothing but respect, and I was able to lower my rates. I feel like these days, customer service is put by the wayside, but that's not the case at Malham's office. I'm glad that I stumbled across his services at http://tipstotreasure.com/lower-my-car-insurance/.
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07/23/2016
By: Lauren F.
John Coren - State Farm Insurance Agent
John Coren and his team are hardworking, honest people. They take pride in their excellent work and will make sure to provide you and your family with ease of mind so that you can have the life of your dreams! I would highly recommend him to all of my friends and family, and I am confident that you will do the same after meeting him!
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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