02/18/2015
By: Anonymous C.
Larry Vasil - State Farm Insurance Agent
Like a good neighbor, State Farm is where? My suggestion to anyone looking into State Farm as a whole is shop around - I did not and it hurt me in the long run. I became a first time home owner last year and got HOI from this office. Not one person from his office even TRIED to call me and explain what HOI is, how it works, when you file claims, etc. Then my house was robbed and my State Farm 'neighbor' was no where to be found. His office didn't call to apologize or empathize with me, they didn't walk me through the steps of the claim or what would happen afterwards. THen I find out that my HOI goes up 25% for the following year. Their customer service is tacky and unhelpful. Oh, and when I got quoted from American Family in 2015, they quoted 55% less of Larry's fees with a lower Premium. Make sure you have all the facts before choosing!
02/12/2013
By: john.szuch
Advantage Insurance Agency Inc
have been going to Dan for almost 10 years! Went to a couple of other places to find the best prices but Dan beat them all and the service is great. When it's time for renewal he still checks other companies to make sure I am still getting the best rate! I have my truck, motorcycle, and boat all through advantage... Thanks Dan for all the great years of service and looking forward to many more through your company
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10/02/2015
By: Victoria C.
Nationwide Car Care Center
I've been coming to them for a while. They have always been upfront with pricing and estimates. Kind and courteous with me. They have always been flexible and great with saving me money on all my repairs on my vehicle. Jerry the manager is wonderful.
08/20/2012
By: elitho8791
Nationwide Car Care Center
Nationwide does great work. I've had no problems with them. I never have to wait very long unless it's a major problem. I have been taking my car here for years now and will continue doing so for as they're open.
07/27/2016
By: Stephanie A.
American Family Insurance - Behzad Kermani Agency
AMAZING customer service and Behzad not only saved my family money but also made sure we are set for our future regarding all my families insurance needs. The rates are low and the quality is HIGH!!
05/23/2014
By: marywhite27
Exclusive Deals On Insurance
Thank you so much for helping me out it was like a one stop shop for my insurance i mean i was able to get my home and auto insurance with one company I think that is so convent.
07/30/2012
By: davelopez270
Nationwide Car Care Center
There was no long wait and that made the service very fast for me. They all worked very efficiently and I think it all turned out to be a good experience.
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01/14/2016
By: Kika B.
American Family Insurance - Behzad Kermani Agency
This agency has great customer service. The staff and agent are all great to work with. They are available to assist with any questions or concerns.
11/01/2012
By: janem27
Nationwide Car Care Center
Company was very good, honest, thorough and made this process very simple. I appreciate their work ethic and will return.
01/27/2017
By: Jessica R.
Jason Caples - State Farm Insurance Agent
Honestly the best car insurance rate I have ever gotten. I'm so happy I was referred to Jason Caples.
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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