Temporary Error.

Please try reloading the page.

By: Earl H.
Gates Insurance Agency Inc
Linda Gates responded very quickly to our attempt to submit a claim after we had extensive tornado damage. She is a true professional who answered our questions promptly and accurately and helped us through the process of getting our claim filed. Have been with Gates for over 25 years and don't think we could find a better agency to work with
By: jerry.snyder.7106
United Insurance
Mr David Harnish has been in the insurance industry for many years.He knows how to represent his clients to the best of his abilities because he takes the time to explain the risk factor to exposure and lets the customer make the final decision.You cannot go wrong to have Dave and his insurance company protect you.
By: A C.
Mike Garner - State Farm Insurance Agent
I have received nothing short of exceptional customer service when dealing with the Mike Garner State Farm Agency. When I speak with representatives in the office my needs are taken care of and all questions I have answered clearly and accurately. I would recommend to all family and friends!
By: mmjtech
Fortress Partners
I havent known Chris from Fortress Partners for that long, but already now I know that he is someone I can trust. I am looking forward to a long relationship with his independent agency handling first my commercial insurance, and in time also my personal insurance.
By: clay.pattee
Fortress Partners
I'm very impressed with the knowledge and customer service at Fortress Partners. I recently bought business insurance there because they really took the time to make sure I had the right coverage and explained my whole policy to me. I highly recommend them.
By: Bill T.
Brett Younce - State Farm Insurance Agent
Been doing business with State Farm most my days. Never had better service than what's provided at this branch. I think Hope O might be a troll. Many family and friends use this branch and never heard a bad review. Sometimes they have donuts for customers.
By: Kenneth W.
Mike Garner - State Farm Insurance Agent
My Wife and I have had the most wonderful experience with Mike Garner and his great staff. They are very professional and knowledgeable when it comes to getting you insured. They took the time to ask questions and understand exactly what our family needed.
By: jerry.snyder.7106
Devries & Royston Agency
Mr Joe Biermacher has to be one of the most knowledgeable people in his field that as a business person I have ever met.You should take the time to talk with this person before you make a decision that will affect your employees or other personnel.
By: Sydney G.
Mike Garner - State Farm Insurance Agent
My experience with Mike Garner was very pleasant. Mike and his team are always most helpful and do everything they can to make sure my insurance needs are met. They also do their best to keep my premiums as low as possible!
By: jennylm
Fortress Partners
Chris at Fortress helped me get mobility insurance for my mom's new vehicle. He was very helpful and took care of every detail. I highly recommend Chris or anyone at Fortress: they were all friendly and attentive.
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...