01/12/2012
By: mgcragofamily
Tom Harbert - State Farm Insurance Agent
They offer comprehensive policies for every need. I honestly don't know how competitive they are regarding cost because their service level makes the premium worth pretty much anything. . I have been with Tom Harbert's office since 1993. The customer service they provide is the best I have ever encounterd. They always remember my name when I call; They try to make sure I get the biggest bang for my buck, and have suggested things I can do to help reduce our premium. I've even had them email me replacement copies of our proof of insurance cards--a whole 5 minutes for the documents to be in my inbox after I finished my conversation.
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12/09/2015
By: Jerome D.
Scott Richter - State Farm Insurance Agent
Scott and his office has always been very friendly and professional. My wife and I have our cars, home, and life insurance with Scott and we have always felt that he and his office genuinely care about us and our insurance. They have always answered any questions we have or called us back when they didn't know the answer directly. Scott has gone out of his way to meet us and even came to our house to check on our property when we had questions. We have nothing but good things to say and would definitely recommend Scott for any insurance you may need.
04/28/2014
By: Erik J.
Tom Harbert - State Farm Insurance Agent
I have been with Tom for over 12 years and I have never had a single complaint. My previous insurance agent was a family friend with Farmers Insurance, but a good friend recommended that I talk to Tom instead - I have never doubted my decision to switch companies and do business with Tom Harbert. Both him and his staff are absolutely amazing - friendly, efficient, accessible, and always able to help with any issue that comes up. To this day, I continue to refer all of my friends and family to Tom with the utmost confidence.
01/03/2013
By: jmcmonigal
Dezuba Mark
You are the only person I have ever done business with that calls me right back, gives me informative options - always in an upbeat, positive presentation, is always friendly and genuinely caring and thoughtful in every interaction we have, even your voicemail greeting is above and beyond anything I have ever heard - ever! I was really apprehensive when I first started looking for an insurance agent, but you have completely eliminated all my fears with your courteous, outstanding, and timely service!
07/28/2014
By: Sue S.
Aileen Baldwin - State Farm Insurance Agent
For the past 15 years Aileen has been my agent and I have nothing but praise for her and her employees. She has provided me with the least expensive rates and the best service of any other insurance agency in town. Even though I've moved to Briargate and am now several miles from her office, with a State Farm agency practically on every corner, I have kept Aileen as my agent because she is professional, friendly, and provides such excellent service.
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05/14/2015
By: Alys H.
A Better Choice Auto Insurance Agency Inc.
What a great find. A Better choice found the company that fit my needs and help me set up my car insurance. When I got into a accident over a year ago the company didn't cancel my policy. A Better Choice helped me delegate the issue and solve the issue,I even got money back. I've been with them for a long time. And never written a review,thought it was time. John and the staff has always taken the time to go above and beyond to help. Thank you.
12/06/2013
By: emmflad
Aileen Baldwin - State Farm Insurance Agent
Aileen Baldwin has been an excellent agent to me the past 8 years I have been insured by her. I've always been helped in a timely and professional manner, have received wonderful customer service from her as well as her representatives and have had high-quality yet inexpensive insurance on my car and home. I would recommend this particular agency to any one I know. Thank you Aileen Baldwin!
07/11/2017
By: Jarrett G.
Sarah Mayer - American National Insurance
Sarah is not your typical Insurance salesperson. She actually cares about her clients. I came to her for life insurance, during the process, she inquired about my car insurance policy, and ended up saving me $200! Couldn't be happier!
11/23/2015
By: Charise P.
Farmers Insurance - Tom Brunette
I have been going to Tom at Farmers Insurance for the past 20 years. The reason I continue to go to him is because how he keeps me updated on all the new coverages as well as how quickly he responses to my questions I have.
05/26/2015
By: Carter A.
Six & Geving Insurance Inc
Our town is so happy to have Six & Geving Insurance there. They provide an a variety of insurance, ranging from home to business. They really have a number of things to provide for you no matter what.
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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