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10/24/2014
By: Robert B.
Jennifer Hubbs - State Farm Insurance Agent
Jennifer Hubbs, the agent at this location is a nice person and has her office staffed with helpful and pleasant people. However, exercise extreme caution when insuring your belonings with State Farm. I made a claim for a broken windshield and State Farm refused to pay the full amount to fix/repair my vehicle corrrectly. They tried to have me fix the vehicle at an unqualified glass repair shop that was not even versed in the proper replacement procedure. I was forced to spend hours of my own time researching how to have the glass properly installed. At the end of the day, I was out of pocket my deductible (completely fine) and over $300.00 of my own money to have my vehicle repaired. I spent hours on the phone with various members of the State farm team in different parts of the country trying to get my vehicle fixed correctly. The majority with the exception of one of the reps., were rude, condescending, and arrogant. My agent told me she was powerless to assist me in getting State Farm to do the right thing and fix my vehicle. So again I was forced to pay my deductible and an addtional $300 plus dollars. In this case State Farm was "Not like a good neighbor, and was definitely not there for me". Proceed at your own risk.
10/14/2012
By: rogermalli
Foundation Financial Group
Chris, cant say enough about Dustin Moomau and Kristin Schultz. When Dustin called I was reluctant at first but the more I talked to him the more I liked what he had to say. We just about went with Quicken and Loans and something told me no. I had him talk to my husband and he liked what he heard to. I would like to say I liked the idea that both Kristin and Dustin came to my home. Kristin has done a fine job. If we have any questions she is good about getting back with us. She keeps the ball rolling. She makes me feel quite comfortable and that is well appreciated. Hopefully this insurance isn't a problem.Kristin and Dustin thanks you ever so much both Roger and myself think your awesome and you delivered as you said you would.
01/31/2013
By: ronaldwarren
Foundation Financial Group
WOW! CAPITAL WOW at that. Working with Randy Woods was just awesome. Even though we ran into a situation with our taxes he was very patient and continued to work and support us throughout. Where most agencies would have said, glad you called but call back when you get it fixed, he took the time to look at the situation, understood what happened and put a plan in place to get and keep things rolling. He has been the most professional person my wife and I have worked with. I would highly recommend him and Foundation Financial Group to anyone. He was quick to respond to any of our questions, was clear about what was needed and guided us through the entire process flawlessly. Absolutely great to work with.
02/20/2013
By: benbettyb
Foundation Financial Group
We want to thank you Sean for the pleasant experience with refinancing our home mortgage. This was our first experience with obtaining a mortgage over the telephone and internet. We are from an older generation and were skeptical about the process at first, but it turned out to be a wonderful experience. The only time we met anyone in person was when the attorney came to our house to close the loan.We were impressed by how professional, personable and honest you were. We felt like you had become a friend and were looking out for our best interests.
11/09/2012
By: monisaterry
Foundation Financial Group
Thank you so much Kevin for helping us with our loan. Of all the loans we have made, we have never been approached with such kindness and determination on your part to make our loan process go smoothly and very quickly. No matter what my schedule was, you always worked with me. Thank you again, and if I ever need another loan, I will definitely contact you through Foundation Financial Group.
01/16/2014
By: Kathleen S.
State Farm Insurance
Liam is the best State Farm agent! We have all of our policies with him and I trust him, not only because he in general a great person, but he consistently provides exceptional service. His staff, including his wife April, are always so friendly when you walk in the door or simply call. I highly recommend Liam and his team!
11/26/2012
By: nealbean
Foundation Financial Group
Once again, I'd like to thank you for making our refinancing process go so smooth. Your attention to details and thoroughness made the process flow very well from the beginning of the process to the closing. I would absolutely recommend you to anyone looking to refinance.
12/08/2012
By: debrahallen
Foundation Financial Group
David, thank you for asking about closing. Everything went well. I really appreciate everything that you did for me for closing. I am so happy I chose Foundation Financial Group to handle my refinance. I am also extremely happy that you were the person handling it.
09/05/2012
By: williamsss
Foundation Financial Group
David Sipe did an outstanding job with my loan. We got along just like we had known each other a long time. He was easy to get along with and address all of my concerns that i had. It was a pleasure doing business with him and Foundation Financial Group.
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10/13/2015
By: sammyfredricks
Farmers Insurance - Thomas Angier
Tom has taken such good care of every client I have sent him. He always saves them money and most of all HEADACHES!! I am so please to be able to confidently send my brides (Im a wedding photographer), New mommies, and friends to him!
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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