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03/14/2017
By: Tambor R.
Universal Insurance Agency
I have rated the company 5 stars. He has been my agent over 5 yrs. He is such a wonderful man to do business with. My son bought another car that he wanted full coverage on and keep the other car with liability. If it was not for my agent we could not afford the insurance. My agent is a genius. He is very understanding of your situation and willing to accommodate you. When I went online to Nationwide they gave me a very high quote. I wasn't trying to leave my agent because he pleasant to do business with I call him to see whether he could lower his price because I did not want to take my business else where I wanted him to continue being my agent. He got me low price insurance that is extremely valuable included with roadside assistance. The Nationwide that he got me was way cheaper than the Nationwide insurance that was quoted online. Plus he gives more of an accurate quote because the other people have given me a quote way over my budget. I was able to cover both my son's cars with no worry. I am recommending my agent to everyone. You will be happy that you made the change. I am spreading the word here and everywhere. Thanks to my agent forever.
06/28/2013
By: patrickbeckel
A. Patrick Beckel
I was worried because I had the same agent for ever and was used to the way they did things. I did not realize how much I was missing out on. Patrick saved me a bunch of money on the policies I already had with him and then helped me with my retirement. The staff treats me like family, they always offer me food, drinks and presents when I stop in . I would reccomend them to everyone.
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04/14/2015
By: Brandon G.
Farmers Insurance - Christopher Newport
Chris was very helpful with our Insurance. He sat down with me and my wife and helped us to better understand our insurance. We are more confident about our insurance now and know that it will be there should we ever need it!
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06/28/2016
By: Kelsey L.
Joe Hickey - State Farm Insurance Agent
I had a great experence with Joe Hickey State Farm. Great rates and Service. The staff at State Farm was very friendly and helpful.
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04/23/2016
By: Crystal L.
Huber Heights Insurance
I had three different insurance and huber is the best. Affordable and professional!! Highly recommend!!
05/12/2014
By: Cynthia C.
Allstate Insurance Agent: Jim Twiggs
This group of individuals Always take Great Care of my family & I!
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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