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01/03/2016
By: M. M.
Pacific Northwest Insurance
I am glad I have the opportunity to leave feedback regarding my experience with PNI. They have been my auto insurance brokerage company since 1994. They have provided what we all hope for in their service. 1. Reachable (always answer my calls and returning messages promptly) 2. Supreme care while listening to any questions or concerns 3. Cost: They work hard to get the most affordable policy!! I can not stress this enough. Over the years, I have met many people who want to sell me their insurance… but whenever I compare, and have done so directly with agents, no one has been able to beat what PNI has setup for me. I am confident they find me the best policy for the best price. Thank you!!
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01/25/2016
By: Jeanne M.
Pacific Northwest Insurance
I have had you for years,you and your staff are great to work with. You give the advice and answers needed, you are not pushy, but always willing to be helpful and be available. I give you an A+. Thank you for all of the years of help.
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01/23/2016
By: Rudy P.
Pacific Northwest Insurance
In over 8 years with my home and auto coverage, I have never had any issues whenever I needed to contact PNI. They have always been there and helped quickly.
01/02/2015
By: Debbie S.
Scott Stoddard - State Farm Insurance Agent
Scott and Susanne do a wonderful job meeting my insurance needs
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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