State Farm Agents Locations & Hours Near Jamaica, NY - YP.com
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10/19/2016
By: Nalinie A.
Heinz V A Assoc Inc
My dad dealt with a very rude receptionist over the phone how do you expect to gain any business if your speaking to others without any manners? He will be taking his business somewhere else.
10/01/2016
By: Ice S.
Big Apple Ins Brokerage Inc
Absolutely loved them. Was treated with respect and courtesy and managed to get everything I wanted to get and appreciate them for their service and handling my business. Highly recommend.
10/01/2016
By: Ice S.
Heinz V A Assoc Inc
Absolutely the worst people there are. They treat people like they are inadequate. The two ladies weren't too nice. The receptionist is a 100 year old man and all I heard was yelling when I went in. They're attitude is absolutely horrible and disgusting and their language is vulgar. Please save yourself the trouble of going back there. And don't ever work there either. A colleague of mine used to work there until he quit. The stories of what they did to the workers were very horrific.
09/30/2016
By: Virginia H.
Heinz V A Assoc Inc
V.A. HEINZ ASSOC. HAS BEEN IN BUSINESS FOR OVER 24 YEARSWE HAVE NEVER TREATED ANY CLIENT WITH ANYTHING BUT RESPECT - IT IS OUR ASSUMPTION PRIOR REVIEW WAS WRITTEN BY A CURRENT EMPLOYEE WHO HAS BEEN TAKING ADVANTAGE OF OUR OFFICE - NO EMPLOYEE HAS EVER LEFT OUR OFFICE DUE TO ANY UNPROFESSIONAL ACTIONS
05/20/2016
By: Marie V.
Allstate Insurance: Rick Ragubir
I went to meet Mr. Ragubir who very nice on the phone to make changes to my Home Owner's policy. I found Mr Ragubir to be a talker and not a good listener . I tried talking about my policy and he keep interrupting about getting car insurance and if I had any family members how wanted to get insurance. My evaluation is that Mr. Ragubir is very unprofessional, rude and never returns calls.
08/16/2013
By: chris.silochan.5
Heinz V A Assoc Inc
VERY UNPROFESSIONAL AND VERY RUDE!!!!!!!!!!!! THEY'RE ATTITUDE STINKS!!
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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