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03/06/2013
By: caroline.boothe
Stephanie Sponder Insurance Agent
After a long day of work I get to my apartment door to find that I locked my keys in my car. At this point I have a moment of panic but then remember that my Pocket Agent app has a listing of local lock smiths. However, I wanted someone who I could actually talk to and even though it was 7:00 pm Stephanie still took my call and helped me throughout the entire process. She eased my anxiety and immediately gave me options for help. I have never had someone so genuine and kind help me in a situation like this. Usually I get passed from operator to operator yelling voice commands and then hanging up after 30 minutes of frustration. But this experience was far from that. At the risk of sounding extremely corny, Stephanie is the epitome of a Good Neighbor and she was there for me in my hour of need! I strongly recommend her services if you want someone who will be there for you and ensure you get the best service and rates possible!
11/10/2009
By: photinacook
Hinson Insurance Agency
I used to work for Floyd Hinson, where I saw first hand from the inside the consistently honorable and pleasant way Floyd and his staff treated their customers. He had a very high retention rate--I saw all the continuing files versus the few that moved away or something. Floyd continually impressed me with his sophisticated knowledge of his industry and all around decency, so one year, his birthday my co-worker and I gave him a "Consistently Honorable Boss" plaque. You can;t jbuy that kind of award!
09/05/2013
By: jerod-
All Insurance Agency
I have been a customer of All Insurance for well over 10 years. I have always been pleased with the level of customer service i have received. They go through several different insurance companies including progressive, so they can shop around and find you the best price. I have even gotten a call from them, out of the blue, telling me that they thought they could get me a lower rate if i switched providers. If thats not customer service, i don't know what is. I could not be happier with the service they provide.
10/17/2016
By: Amanda H.
Paul Doherty Insurance Broker, Inc.
Tyler is seriously the most prompt, thoughtful, honest, hard-working, caring and all around great business man that I have ever had the pleasure of working with. He is consistent, finds the best deal for you and your family, will always get back with you within minutes of you ever get his voicemail and will go through everything step by step the entire way so you never feel lost or confused! He also has a great memory :) I'm so thankful for all his patience, time and effort!
10/09/2013
By: Blake T.
Mike Schmisek - Farmers Insurance
Insurance is usually one of those things that is hard to get just right. With Mike though, it feels like less of a hassle and more like I'm chatting with someone who legitimately cares about my well being. He got me an extremely competitive quote and I have yet to find anyone who has beaten it.
12/08/2014
By: Jennifer R.
Square State Insurance
Super friendly and actually saved a few hundred dollars a year on my Homeowners Insurance vs my current agents' quote. I am a first time home buyer and Jeff made the process super simple. I was able to sign my application on my smart phone. AWESOME EXPERIENCE!
11/07/2016
By: Janice S.
HealthNet Colorado
As a consumer I'm conscious of selecting services on a whelm, however I was extremely impressed with the knowledge and professionalism provided by HealthNet Colorado team of brokers. I highly recommend their services to my friends and family.
02/08/2017
By: Dana K.
Justin Aller - State Farm Insurance Agent
My overall experience with Justin Aller of State farm has been superb. I've been with other agencies where has been some problems but Justin and his staff are great people.
11/02/2016
By: Sharon K.
Justin Aller - State Farm Insurance Agent
Justin Aller is a very knowledgeable and experienced insurance agent. I have renters and auto insurance with Justin and have never had a problem with his service.
10/06/2016
By: Barbara S.
Justin Aller - State Farm Insurance Agent
Justin has helped me out so much. He's done everything he can to sort out different situations for me. His great service is greatly appreciated.
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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