State Farm Locations & Hours Near Hailey, ID - YP.com
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08/31/2016
By: Osker R.
Harrison Insurance
One of the best experiences dealing with insurances easy going and really explaining the details on what its cover Nathan Chin was able to save me $ with also adding more coverage on my home and auto insurance this is why they get 5 starts great jobs Harrison insurance,, continue to do business locally in our community.
08/22/2016
By: Nicole R.
Harrison Insurance
Harrison Insurance was recently able to create me a policy that ended up saving me money on my annual premium. Job well done.
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04/27/2016
By: Kelsi H.
Farmers Insurance
My experience with Redgy was wonderful. He was very pleasant to work with and extremely helpful! I would highly recommend him to anyone. Best service yet!
02/24/2016
By: Zander L.
Harrison Insurance
Kathy and her staff at Harrison Insurance helped us turn a really difficult situation that had impacted our business into something manageable. Highly recommend them.
12/17/2015
By: Cali B.
Harrison Insurance
I would hands down recommend Harrison Insurance. They were dedicated to finding me the lowest rates and take care of me completely.
08/19/2015
By: Sally L.
Harrison Insurance
The greatest part of Harrison Insurance is knowing you're a priority. Any questions or concerns I have are addressed right on the spot.
07/09/2015
By: Jeremy V.
Harrison Insurance
They are local so you can speak directly with an agent. Great personal service and always willing to help if you have any questions. They are taking care of business there.
04/16/2015
By: Jackie P.
Harrison Insurance
They always let me know when my renewals are and are willing to see if anything better out there.
02/23/2015
By: June L.
Harrison Insurance
The service at Harrison Insurance is always personal. The staff also is always available and ready to answer questions when needed.
01/28/2015
By: Celine K.
Harrison Insurance
They are easy to work with and always take care of business. They handle everything
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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