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06/28/2012
By: rockysunshine
LaRue Insurance Agency
The LaRue agency has always handled our needs with efficiency and concern. They are easy to get in touch with if I have any questions and always keep me up to date with any discounts.
06/28/2012
By: sportsfanatic
LaRue Insurance Agency
I've had a great experience working with the agents here. Everyone is polite and they helped me with everything for my business needs! I highly recommend their prompt services.
10/28/2013
By: Marissa C.
LaRue Insurance Agency
Karen has always been a great person to work with. She has helped me out so many times over the years, I can't say enough good things about this agency. LaRue is just amazing.
11/19/2013
By: Barb O.
LaRue Insurance Agency
Their customer service has always risen above and beyond our expectations. Our experience has always been positive and I've recommended their company to many others.
12/05/2016
By: Sam G.
Kyle Wissmiller - State Farm Insurance Agent
I have everything with Kyle; home, car, life, and business insurance and I probably get something every couple weeks with new information. He keeps me well informed.
05/12/2017
By: Donnie B.
Kyle Wissmiller - State Farm Insurance Agent
Kyle's team has been extremely helpful throughout a tough claim experience. I have had 3 follow up calls to ensure the process is going smooth.
05/12/2017
By: Gloria C.
Kyle Wissmiller - State Farm Insurance Agent
I called to complain about a rate increase, but Ashley was great! She explained how we could get the most value out of our policies.
03/12/2014
By: Dawn L.
LaRue Insurance Agency
They know my needs when I call or email . They know me by my first name and are always available and ready to help.
06/07/2013
By: jaywildyman7
LaRue Insurance Agency
Gary Cleveland is such a great man, and very easy to do business with. He really makes this business what it is.
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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