State Farm Insurance Locations & Hours Near Kalamazoo, MI - YP.com
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10/09/2016
By: Cayanne D.
Redman Agency
Great customer service, very prompt, polite and professional! :) I strongly recommend the Redman Agency & Meemic to any Teacher, Professor or Educational Employee who would like to compare their rates or simply would like to have an insurance agency, that goes above & beyond, to make sure their customers are happy!!!
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08/31/2015
By: Allicia G.
Redman Agency
I have tried resolving an issue with this company for a few years, about removing myself from my grandfather's insurance policy with this company. After I moved, the company continued to charge him for me on his account. I changed my address and have my own insurance. I even faxed a copy of my license to prove I had moved and that I needed to be removed from the policy. Still the company charged the account $200 extra dollars, and when I was on the phone with the representative, he basically cut me off mid-conversation when I was trying to resolve the issue. I have the fax report proving they received the copy of my license, but he continued to state they never got the fax and handed the phone back to my grandfather as I was protesting, refusing to listen. So I drove over to the office in person, to show my license in person, and show the report proving the fax was received. I was not greeted by anyone as I walked in the door, and had to go looking through several rooms to find anyone working, and then I wasn't even acknowledged as he was on the phone for a quote. From there, it only got worse--his story changed to the fax was just blank sheets, and that I must have faxed it wrong in an extremely rude and mocking tone, as if to make me feel or look stupid. I mentioned the fact that he basically hung up on me mid-conversation and he just blew me off and said, "You're not insured with us, so I don't have to listen." The entire experience was extremely off-putting and unsettling. The worst customer service experience I've ever had. He literally did everything he could to avoid crediting back money that shouldn't have been charged in the first place and then was rude and mocking about it. I feel I had to go to extreme unnecessary lengths just to prove I no longer live at a residence so I would not be charged on that insurance account.
08/13/2013
By: thhertz
Darryl Rauhoff: Allstate Insurance
40+ years with Allstate. One claim and the twists and turns were unbelievable. Not a insurance company you want when you need them. Refused my claim for a flooded basement because they said the leak seeped before bursting and they won't cover seeps. In the meantime I had a flooded basement, carpet pulled by their contractor, ceiling cut out and removed without my approval. My agreeing to simplify the repair was used as a admission of the issue. Every contact with them there was another new excuse not to cover. Three weeks to even hear from them. By the way not a single visit to my house by my agent or a Allstate adjuster. Just comments and photos by a Servpro employee apparently.
04/20/2013
By: natalie.hansen.5621
Boot Haan Insurance
They are great to work with. Everyone at the office is friendly and helpful. I saved about 1,000 dollars a year switching to this agency from State Farm and I recommend them to all of my friends. I was given an incorrect quote from Progressive at one point, but that was not the fault of the agent at Boot Haan. They switched me over right away to another insurance company. I will continue to work with them because they make it easy to do business and you can't beat the price!
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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