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04/18/2017
By: Richard M.
Security First Insurance
Steve Lewis has something that a vast majority of business people lack today, integrity. He wrote my insurance for years in FL and I never once had to wonder if he was doing the best thing for me, or himself. I know he made money selling me insurance, and I wanted him to. If he does not make money, he goes out of business and can't serve me...or you. He took the time to understand my needs and found the best solution, a textbook salesman based on the best sales training in the country (I know, because I have taken it). Do yourself a favor and talk to Steve about your insurance needs.
04/14/2017
By: Alexa T.
Security First Insurance
Steve has been a pleasure to work with! He not only wrote my policies, but reviewed the insurance coverage and answered all my questions I had about the policies to make sure I was properly covered. I will be sending all my friends and family to work with Steve at Security First Insurance for all their insurance needs. Thank you!
04/22/2017
By: Esther H.
Security First Insurance
Steve has been in the Insurance Business for years, his knowledge and expertise shows when he is helping you find the best policy to suit your individual needs. He was my agent in Florida for many years and he was always willing to help anytime I had a question or wanted to find more coverage at better rate.
07/17/2012
By: thenicole
Allstate Insurance: Donald Hazzard
I am a new client and I have had nothing but superior service from The Hazzard Agency. The agent Don Hazzard even came out to my house to make sure it was properly insured and to see if I had any questions. I am a first time home buyer and will now put all of my future insurance with the Hazzard agency.
11/20/2015
By: Bonnie W.
State Farm Insurance Companies
I have been a client at this State Farm location for years. I have been here even before John started. When my old agent retired, I stayed with John and have had zero disappointments.
01/25/2016
By: Claudia T.
State Farm Insurance Companies
I switched over to John Jeter after my old insurance agent retired. So far it has been a great experience working with him.
04/14/2017
By: Lisa T.
Security First Insurance
Excellent service provided. Professionalism and knowledge of Steve Lewis at Security First is clearly evident.
07/17/2012
By: colebug
Allstate Insurance: Donald Hazzard
Very helpful and personable staff. I have always been taken care of by Don Hazzard's agency. Would recommend
07/16/2012
By: christinehall1984
Allstate Insurance: Donald Hazzard
Great agency. Would recommend to anyone.
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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