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By: Donna G.
Allstate Insurance Agent: Oscar Arnold
Oscar Arnold from Allstate has been by agent for almost 9 years. He and his staff are truly amazing. They are always extremely helpful and very friendly. Anytime I have called with questions they have gone above and beyond to help me and answer all my questions. I also have the best rates through Allstate. Oscar does his best to make sure his rates are exactly where they need to be. I have combined my auto / home owners to gain an additional discount. I also use their DriveWise program and have saved even more by doing so. I highly recommend this agent and his office.
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By: Flo M.
AAA Goodyear Office
AAA is wonderful! They've rescued me numerous times from dead batteries, flat tires and car lock-outs in addition to packing me off with maps and tour books before I go on road trips. Their phone and office personnel and their road service techs are always professional and pleasant. I get more than my money's worth from AAA!
By: Andrea O.
EZ Insurance Solutions
Have had homeowners insurance on my rental property with them for over 4 years. I didn't know what I needed/should have in regards to coverage and was happy Tom was able to steer me in the right direction and give me advice.
By: Nicole W.
AAA Goodyear Office
I used the travel services at AAA. Lisa Kriley was very informative and efficient! I needed triptiks for driving on Maui and Oahu. It was perfect!!
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By: Ingried S.
AAA Goodyear Office
Great info and products to be had.
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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