Temporary Error.

Please try reloading the page.

By: Mike R.
Chris Wertz - State Farm Insurance Agent
I like being aware of what is going on and Chris Wertz is always able to provide me with the most up to date info. As far as recommendations, I would recommend him to anyone!
By: Ed M.
Chris Wertz - State Farm Insurance Agent
They do a pretty good job of keeping me informed on new coverage and discounts. He called us in the last month to discuss potential discounts for our coverage.
By: Rick T.
Chris Wertz - State Farm Insurance Agent
The staff is always able to meet my needs and give me what I need every time. The consistency is a comfort to me and I wouldn't want to work with anyone else.
By: Tanya M.
Chris Wertz - State Farm Insurance Agent
Chris Wertz was able to take on every insurance question i ever had. We switched all of our policies to State Farm after working with him and saved so much!
By: Tyler S.
Chris Wertz - State Farm Insurance Agent
Every time I have worked with Chris Wertz and his team has been extremely helpful and fulfilling. They answered all of my questions on time
By: Dan B.
Chris Wertz - State Farm Insurance Agent
Every single time I go to see Chris Wertz, my needs are met. They are confident and I am happy that they give me what I want every time.
By: Donny T.
Chris Wertz - State Farm Insurance Agent
Chris Wertz, State Farm Insurance Agent, is very personable. He always seems to remember a face if they've came in.
By: Ryan G.
Chris Wertz - State Farm Insurance Agent
Chris Wertz's prices beat out everyone else. That is why I chose to go over to State Farm Insurance and see him.
By: Bud M.
Chris Wertz - State Farm Insurance Agent
Chris Wertz is awesome and he knows what he is doing which I can't say about other agents I've worked with.
user avatar
By: Jim R.
Chris Wertz - State Farm Insurance Agent
Chris Wertz provides me with auto, home, and retirement insurance through State Farm. He has fair pricing.
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.

Just a moment...