American Family Insurance Locations & Hours Near Everett, WA -
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By: John A.
American Insure All
Very exceptional customer service Danny expressed great communication and helped me understand my policy
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By: Joann I.
Farmers Insurance - Westphal Insurance Agency
Wonderful customer service! What a joy to work with them. Julie is a treasure!Thank you all,Joann Iddins
By: Rachel T.
American Insure All
These ladies are amazing they always go above and beyond to help. Thanks American Insure-All for all your help. Excellent service!
By: Chantel S.
American Insure All
They are always so awesome and so helpful. Thanks for all of your help, excellent service.- 5 stars!!!!!!!
By: Noal M.
American Insure All
Mary Jo is absolutely awesome! Have major appreciation of Tammy too. American Insure All takes good care of us
By: Traci B.
American Insure All
I received Very friendly, Quick service at the Everett office. Thanks American Insure-All! Will keep coming back to you!
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By: Brenda W.
Farmers Insurance - Shelly Walkley
I just switched from Geico to Farmers in one easy, quick transaction during a phone call with Tina! Geico raised my rates $200 a year after a $600 claim - when I had been with them for 19 years and had no prior claims or tickets! They HAD to go - and Tina helped me make it happen. And BTW, my insurance was cheaper than Geico for better coverage! Give her a call!
By: Peter S.
Farmers Insurance - Peter Sexton
I, Peter Sexton, own the Sexton Agency - Farmer's Insurance. I specializes in helping my clients realize their dreams and plan for the unexpected. As an Honorable and Reasonable man, I promise to deliver a smooth insurance experience, which you deserve.
By: dm121212
State Farm Insurance
Tony is the best insurance agent around! He is professional and trustworthy, and his staff is so friendly and knowledgeable. He is the only agency I will do business with, and I highly recommend him and his entire staff to anyone looking for any type of insurance.
By: kylemc
State Farm Insurance
Tony has always gone above and beyond to provide me the best service. His knowledge and approach are very comforting. His office is very friendly and welcoming. I would reccomend Tony and his staff to anyone!!
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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