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03/28/2015
By: Yolanda S.
Ixtus Insurance Service
Great place!! Open on Saturday. I had a leaky tire but it was in the sidewall so they recommended a new tire. No charge! And smog with cert was about $50!!! Shop down the street was $80. --NOPE! Glad I found you!!!
11/13/2013
By: Rose L.
Allstate Insurance: Bob Warner Insurance Agency
Very professional, friendly and helpful staff. Awesome follow up! Their rates are very competitive. Even if they were higher in rates, I would stay with this Allstate agency because of the service.
06/26/2013
By: pstarzz7
Allstate Insurance: Bob Warner Insurance Agency
The service you receive with Bob Warner is absolutely amazing. He has always come through for me when I have needed the help the most. I wouldn't ever consider switching.
02/27/2014
By: Max T.
Allstate Insurance: Bob Warner Insurance Agency
They have fast, thorough and professional agents in their offices. The staff is the best and always there to help. Wouldn't want to go anywhere else.
05/16/2016
By: Daniel S.
Allstate Insurance: Bob Warner Insurance Agency
The staff are amazing at Bob Warner Allstate. Anything I need, they get it to me within minutes. Everyone is helpful and accommodating.
10/09/2015
By: Tammy P.
Allstate Insurance: Bob Warner Insurance Agency
I have been a client of Bob Warner All State for as long as I can remember. I have been very happy with their insurance services.
12/08/2015
By: Michelle L.
Allstate Insurance: Bob Warner Insurance Agency
I always receive great service from an experienced and personable staff. I wouldn't want to go to any other insurance agency.
12/14/2016
By: Kenneth F.
Allstate Insurance: Bob Warner Insurance Agency
Satisfaction guaranteed,never have had a problem. One less thing that I have to worry about.Thanks everyone, happy holidays!
07/17/2015
By: Tom T.
Allstate Insurance: Bob Warner Insurance Agency
The customer service is excellent at Bob Warner All State Insurance. Their clients are their top priority at this agency.
10/10/2014
By: Cesar L.
Ixtus Insurance Service
Great customer service. Finally an insurance agency with its own complete auto repair.Very beautiful office as well.
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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