Temporary Error.

Please try reloading the page.

09/13/2011
By: jess333
Summer Group The Insurance Brokers
I dealt with Summer Group Insurance and the products were explained clearly allowing me to make an informed choice. The turnaround time on communication was excellent resulting in the policies being set up very quickly. I would recommend Summer Group Insurance to other folks looking for insurance.
02/16/2013
By: maxinshear
Summer Group The Insurance Brokers
Insurance certificates are always sent out immediately upon request. It's reassuring to know that we have the Summer Group to address all our insurance needs.
02/15/2013
By: ianothompson
Summer Group The Insurance Brokers
Summer Group Office Staff was very helpful even though another company was liable for damages! I have come to expect nothing less from my agents.
02/16/2013
By: lindaschellenberg
Summer Group The Insurance Brokers
Heather was absolutely great. I'm sure your company is very happy to have her. She really serviced us well- professional and caring.
02/16/2013
By: kathleenhoward
Summer Group The Insurance Brokers
We feel secure having Summer Group back us up if anything were to happen. We also like the friendly service and honesty.
02/16/2013
By: davidbaltz
Summer Group The Insurance Brokers
As always, you guys are courteous, caring, and helpful. I appreciate everything. You are all fast and efficient.
02/16/2013
By: stevereal
Summer Group The Insurance Brokers
Everything went very smoothly from calling in claim, taking car to get repaired, and my rental car. Thank you.
02/15/2013
By: rogerstokes
Summer Group The Insurance Brokers
My claim was processed in an extremely quick manner. Everyone was extremely professional and courteous..
02/16/2013
By: nellparramore
Summer Group The Insurance Brokers
Everything was handled quickly and efficiently even though it was a holiday weekend
02/15/2013
By: jamesheidelberg
Summer Group The Insurance Brokers
Helpful and Easy...Everyone was helpful and made this process very easy! Thank you.
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.

Just a moment...