State Farm Insurance Locations & Hours Near Greensboro, NC -
By: kelly513
Charlie Ganim - State Farm Insurance Agent
I have been a customer of Charlie Ganim’s State Farm agency since I moved to Greensboro in 2006. I have been a State Farm client all my life, but was looking to find a local agent upon my move to North Carolina. Charlie’s office came highly recommended to me from my real estate agent. Being new to the area, I was glad to have a recommendation and immediately set an appointment. While my experience overall with State Farm has always been one of great customer service, I have never had an experience before like the one I’ve had with Charlie’s office. This is a team who knows how to deliver exceptional customer service! I’ve gotten to know everyone in the office by name and truly feel taken care of every time I call or stop in. What sets Charlie’s team apart more than anything, though, is their fantastic follow-up. I receive regular communication from their office, including special notes on my birthday and when they haven’t heard from me in a while. Another fantastic feature of this office that sets it apart from others is their willingness to do a free annual review with you. It’s so nice to know that I can spend time with my agent to review my insurance and be assured that my coverage is always current with my changing situation. Recently, after a review, we were able to increase our coverage and save money on our monthly premiums! I love knowing that I’m paying competitive rates for my insurance, but unlike with other companies, I can be confident that State Farm will be around to pay on those policies should I ever need them. Can you say the same about other companies? I wouldn’t work with any other insurance company, and if you’re looking for the best agent in Greensboro, you have to call Charlie and his team. You won’t regret it!
By: johnk.1
Charlie Ganim - State Farm Insurance Agent
Charlie Ganim is one of the finest service providers we've ever had the pleasure to work with. He is a true expert in his field and combines this with an attitude of care, concern and empathy. It is great knowing that he has our best interests at heart and is there to help us when we need it. A firm "yes" recommendation is what you get from us to anyone considering interviewing Charlie or engaging him for service.
By: 19dimitrig H.
Penn National Insurance
wonderful service great payment rate and friendly service my aunt was executive HR manager Darlene Crump she was loved by all who came here i hope that Penn national will continue its history of excellence
By: Brad T.
Nc Grange Mutual Insurance
Always been easy to work with; friendly people! Easy to find someone on the phone when you need help with billing and all that good stuff.
By: Axel R.
Bullock & Associates, Inc.
Best insurance brokerage in North Carolina. I'm very satisfied
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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