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02/19/2016
By: Mark E.
Intown Ace Hardware
If you can't find it, odds are Intown Ace will have it. Like most Ace Hardwares, Intown is chock-full of anything you might ever need with the knowledgeable staff to point you in the right direction. If I'm ever in a jam looking for that odd piece of hardware, this is where I go.
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03/02/2016
By: Lisa C.
Intown Ace Hardware
More than just a hardware store. The staff is super friendly and knowledgeable. They offer everything here including great gift ideas. Go there with a little extra time to browse.
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11/05/2015
By: Michelle M.
Intown Ace Hardware
I love going here in the spring to spruce up the de k for all the upcoming porch parties!!! They have everything from furniture to garden decor to plants! Love them!!
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12/07/2015
By: Sara G.
Intown Ace Hardware
Ace is the place to go if you are looking for help with a home improvement project big or small. They also have a great little garden center.
02/27/2016
By: Tom P.
Intown Ace Hardware
Always friendly service with an inventory that caters to the more unique items/tools. Carries Stihl and Green Egg.
04/19/2015
By: tjpino
Intown Ace Hardware
Great friendly service. Broad selection of products...not always cheaper than HD but service trumps 100% of time.
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05/15/2015
By: ed_peterson
Intown Ace Hardware
Great outdoor selection and paint offering
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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