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01/13/2015
By: Michael F.
Camargo Insurance Agency
I started purchasing insurance for my nonprofit organization through Camargo Insurance a couple of years ago (over time, my family switched over our personal insurance needs as well). Not only are their agents professionally helpful, but they are generous people who care greatly about their community, supporting my organization both financially AND through volunteerism. I would highly recommend their 5-star services and would say that you would have a hard time finding people more friendly than the folks at Camargo Insurance.
08/31/2016
By: Scott H.
Hettesheimer Insurance Agency Inc
Outstanding ServiceWe have been dealing with Denise Salyers at Hettesheimer Insurance for over 10 years. She has always given us outstanding service when helping us select our company's health insurance products. She is very knowledgeable and goes out of her way to help us in any way she can. Many of our employees have called her for advice as well. We would not even consider using any other agent for our health insurance needs.-Carol H.
08/23/2016
By: Phyllis H.
E John Rewwer CLU
A really great dentist with a staff to match. He has compassion for those of us with dental phobias and makes sure to keep you comfortable during procedures. An entirely different dental experience than my youth. I can't say it's my favorite thing to do, but you are in good hands with Dr. Rewwer.
09/20/2016
By: Phyllis H.
Great American Insurance
Headquartered in Cincinnati this company has been in business for over 100 years . It must be doing something right! Even though it's large, you can get personal attention for your questions and accounts.
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06/10/2015
By: Barbara P.
Portman Insurance
Truly outstanding customer service from.Patrick. He helped get into a better auto insurance policy .. who says you can't get more and spend less. I did.. Thank you Patrick
02/04/2017
By: reviewqast
Henry Insurance Agency LLC
Very nice and well explained and all question answered- Carla McQueenSee Original Review: http://reviewqast.posterous.com/henry-insurance-agency-all-question-answered
08/20/2016
By: John H.
Schwierling Insurance
An agency run by good honest people. For fifty years they have been there when I needed them. This agency has been run by several generations of the local family.
09/17/2016
By: Phyllis H.
Schwierling Insurance
So happy to have worked with this agency for many years. Good advice, prompt attention to claims, and no hard sales pitch make us satisfied customers.
10/17/2013
By: samantha.williamson.167
Allstate Insurance Agent: Cleta Vining
Cleta's office is extremely down to earth and genuinely does everything they can to help! I couldn't imagine having my insurance anywhere else!
01/27/2015
By: John P.
Camargo Insurance Agency
Camargo Insurance did a wonderful job helping me get insurance for my son. They were prompt, professional and friendly. Wonderful experience!
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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