State Farm Insurance Agents Locations & Hours Near Glendale, AZ -
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By: Victor M.
Guillermo Morales - State Farm Insurance Agent
This highly incompetent agency has wasted the time of my associate and my office. We sought a bond for a Notary from this State Farm office and where given misinformation and an incomplete bond. The Sectary of State informed us of the mishandling of the bond and advise us of having to go back to this agency to get them to correct their mistakes. They don’t own up to poor service they provide and have not apologias or compensated us for our time and resources spent getting them to correct their rotten lack of customer service. Don’t entrust them with your insurance or bond needs.
By: Duke S.
Farmers Insurance - Johnathon McCurry
Great Agency! I was able to get an awesome rate on my business insurance with great coverages that will protect my business. John answers his own phone and is never hard to get ahold of.
By: Deborah L.
American Family Insurance - Kurt Bojarski
Great personal service! They make you feel like your business is important, not one of many. I get a personal call if there I'd a problem.
By: J P.
Allstate Insurance Agent: Brandon Begley
I highly recommend the Proctor Agency due to their excellent customer service, product knowledge, and expeditious resolution to my insurance requirements. I was able to purchase life, homeowner, and auto insurance with these great guys and save a bundle of money in the process. With your best interest as their number one role, they will give you the best rates. For prompt , reliable service, just give them a call.J PetersCave Creek
By: jonathonkleine1980
Luke Atkins - State Farm Insurance Agent
Got in to get quotes and sign up for banking services quickly. Was happy with the professional feel of the office and prices were surprisingly lower than what I thought State Farm would offer. I have been wanting to get life insurance policy for my wife and I and Luke walked me through all the options. Recommend this agency for offering services advertised and their friendly staff.
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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