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08/30/2013
By: shurquetta.colbert
Augustine Insurance Agency
My husband and I didn't have any insurance for a few months and he was not able to set everything up by his work schedule. Augustine insurance supply everything I needed especially find the best quote on both cars, the customer service was what I was looking for good quality service. I walked out with low insurance monthly and low and a low down payment my husband and I were so satisfied. Thanks Augustine Insurance.
07/13/2016
By: Olivia M.
MSC Insurance
MSC Insurance has been great to me. Whenever I have any questions or concerns they are extremely helpful and clear up any cloudy areas to ensure that at the end of the day I am happy.
08/19/2014
By: Ashley S.
MSC Insurance
They are quick to respond to quote requests so I recommend at least getting an insurance quote from them. Very professional and friendly staff.
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01/28/2016
By: Trent M.
MSC Insurance
What I like most about MSC is their communication. I feel they are truly working for me. I absolutely recommend them.
10/19/2016
By: Dan N.
MSC Insurance
MSC Insurance was already a very well established insurance agency when I moved to the area and needed an agent.
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10/04/2011
By: sarahbillings
Insurance USA
Real people answer the phone and give real customer service.
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08/01/2011
By: sarahbillings
Insurance USA
Helped us with a Travelers home policy saved us over $200.
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09/10/2015
By: Tammy T.
MSC Insurance
MSC Insurance has great people who provide great service.
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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