05/29/2017
By: Jose M.
People Insurance Group
Me siento muy satisfecho con la recomendación de cobertura que recibí en la agencia People Insurance Group en Fort Myers. Me encantó desde que me pude parquear sin inconvenientes, la atención que recibí y que se tomaron el tiempo para verificar cual compañía de seguros de auto me ofrecía buen precio y cobertura. Felicidades a esta agencia PEOPLE INSURANCE GROUP que está haciendo una gran diferencia pues ellos tienen todos los tipos de seguros y asi es mucho más facil para mí. Recomiendo a todos los latinos visitar o llamarlos y estarán muy de acuerdo con mi recomendación.
05/29/2017
By: Lenny B.
People Insurance Group
I am just about to reach retirement and I was confused over insurance options available to me until I came across the People Insurance Group. They were just terrific and helped me to select cover at an affordable price. An agent from People Insurance Group visited and offered me a great deal in insurance. Top marks go to the People Insurance Group.
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11/11/2015
By: David G.
Art Roberts - State Farm Insurance Agent
The folks at Art Roberts State Farm insurance are a fine example of greatbusiness people, they are always very friendly ,curteous, professional and personable and have very affordable rates my family and i have been customers of theirs for years and will be for years to come ! Highly recommend them for your all your insurance needs !
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06/03/2015
By: Marie G.
Insurance Megastore
Excellent service: Tom and Ed at the Insurance Megastore helped me to find excellent homeowners insurance and also for my antiques and art work. Great prices as well as friendly and real service.Marie Gaither
04/16/2013
By: webgirl5000
Orr Insurance Group, LLC
Best place for insurance, I couldn't find a better agent with good rates and they don't have skimpy coverage like a lot of the others. I've been with them for years on all my policies. A plus!
05/29/2017
By: Rosa P.
People Insurance Group
Thank you People Insurance Group, for finding the best premium I have gotten. Thank you for your service. I will highly recommend you with friends and family.
06/03/2017
By: Jose williams T.
People Insurance Group
We offer all types of Insurance Coverage and our best interest in providing you our knowlegde and experience. Thank you for allowing us to serve you!
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02/09/2015
By: Shari Z.
James F England Insurance
Kind Man who really has your best interests at heart. He will work with you to get you the best policy for you.
03/07/2012
By: georgevouki
Jewel Stone Title Insurance
Execent Customer Service and Very Fast in Getting the Job done! Brad, is one of the Best in the Industry!
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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