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By: Nohemi H.
Paynless Insurance Services
GREAT FAMILY BUSINESS. Very attentive to my insurance needs. Paynless insurance quote for a new vehicle I'm about to finance beat other quotes I had previously gotten from other insurances by 40$. And that included my current vehicle. Other quotes I had requested from others were more money for just one vehicle. I did purchase insurance for my current vehicle and I'm happy with my purchase. I inquired about renters insurance, and their quotes sound outstanding. Thank you guys.Will come back for that renters insurance soon. And I will spread the word.
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By: Jesus N.
Paynless Insurance Services
This is a really great small family business. I went in for a quote since I noticed they barely opened and I'm always in the little Plaza. The hospitality was great they offered me water and coffee. They actually mean what they say when you pay less. I left a satisfied customers and recommend checking out the place you won't regret it.
By: Mike A.
Paynless Insurance Services
i liked this place because they dropped 20 of my monthly fee they gave me water in a really hot day and i was not buying insurance but i decided to give them a shot good people family business i like that
By: Paul R.
Paynless Insurance Services
Fast and Friendly! They offer very affordable down payments. I got liability and uninsured motorist for a very good price. Thank you Paynless Insurance!
By: Carlos M.
Paynless Insurance Services
The agent Brenda, was really helpful. She helped me understand my option and helped me choose the right coverage that I needed.
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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