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By: chris.guyer.75
RMFS of Ohio
They offer virtually every kind of insurance, and they are independent agent's which means they aren't tied to one specific company. They try to find plans that are the best for me the customer. They don't try to push you into something you don't necessarily need, they will show you options and educate you, allowing you to make the most educated decision on your insurance needs.
By: Lindsay V.
Motorists Insurance Group
Was hit by a driver who had their coverage through The Motorists Insurance Group. The adjuster looked at my car the next day. I also had an independent shop give an estimate. Estimates were within $2 of each other. Amazing! I purchased insurance with them after having this experience. I highly, highly recommend them!
By: Ryan R.
Ohio Insurance Advisors
I've been with Ohio Insurance Advisors for about 8 years now, and when it came time to file a claim, I was very pleased with the way that it was handled by the agency. The staff is very responsive and the whole team just takes really good care of us and we were very pleased with our overall experience.
By: bigboatpowerstroke
Ohio Insurance Advisors
Going on over 5 years now I have been a customer of Ohio Insurance Advisors. I unexpectantly had to file a claim this past spring and I am extremely satisfied in how it was handled. They were very responsive and they took care of me.
By: Pat H.
Ohio Insurance Advisors
I've been using the services of Ohio Insurance Advisors for over 5 years now. I can say with confidence and complete honestly that they are always available for any questions or concerns I have at any point. I really appreciate it!
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By: Leah C.
Ohio Insurance Advisors
Ohio Insurance Advisors provides our general, liability, business, and workers comp insurance. We love their services- they are great. We contact them regularly and they are very timely and thorough with all that they do.
By: Angie C.
Ohio Insurance Advisors
Ohio Insurance Advisors provides our home, auto, and life insurance. They are always able to give us clear and helpful responses to any of our questions. They also do a great job at keeping us informed of new discounts.
By: tim_b.53
Ohio Insurance Advisors
Consistent great service, professional and knowledgeable representatives. They do a great job at taking care of my questions and getting back to me when I call. The coverage is good and the rates are fair!
By: bethanderson23
Ohio Insurance Advisors
I love their professionalism! Everything I need something, they take care of it. I've recommended them to family and friends many times. I don't give anyone 100 but they are a 99.9 for sure; great service!
By: Tammy D.
Ohio Insurance Advisors
This is a great insurance agency. I've stuck with them and have never been disappointed. I'm satisfied with the costs, coverage, and how available the staff are when they are needed.
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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