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By: Robin G.
Citrus Valley Medical
I have been a patient of these Drs and PAs, who founded Citrus Valley Med., for 25 years. They have always given me the best treatment and the type of consideration we seek from a "small town family practice". For me, their expertise and humanitarian spirit has been a genuine support system; and now, for my children too.
By: phong.tran.1671
Voegele Insurance Services Inc
I purchased my auto insurance and renter's insurance through Voegele Insurancce Services and I saved a lot of money from my previous agent. They are very friendly, knowledgeable, and trustworthy. They are always there for me when I need to make a change to my policies or have questions regarding my policies.
By: pangai
Les Soliday
I know of no one who has had anything even remotely close to cwhitson's experience. I have been with this office for 11 years and they have been nothing less than fantastic. In fact, the friends I have referred to this office have ALL had great experiences and are still with them.
By: Michelle G.
Greg Smith - State Farm Insurance Agent
Greg is an amazing agent he has been there for my family and I . Jenny helped all of our family with great life policies she took her time explaining everything. Any one that doesn't have State Farm should try this office.
By: Otto M.
Dave DeLille - State Farm Insurance Agent
I forgot to thank for the friendly and professional service as usual from State Farm. Thanks a million I would recommend you! I have been State farm customer for more than 15 years.
By: jesbbb
Allstate Insurance Agent: Erica Pompa Lewis
Pleasure doing business with this company. Definitely recommend!!!
user avatar
By: Archie M.
Erikas Insurance
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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