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By: thedentwhisperer
American Family Insurance - Jeff Kearin Agency
Jeff, Trevor, Sandy and John have been a pleasure to deal with. I am constantly making changes in my life and it is nice to have a team dedicated to keeping me informed of all of my options for my home, autos business and life insurance needs. I will be with the Jeff Kearin Agency and American Family Insurance from now on.
By: sandyg
Debbie Daniels - State Farm Insurance Agent
I love the customer service at this insurance agency. They take such good care of our family. When I have forgotten to make a payment, they call me, they send my family birthday cards with sundae gift certificates, and Christmas labels every year. They are so knowledgeable, and have great follow-up. We love them!
By: Paul F.
State Farm: Melanie Bakala
As soon as I started working with Melanie Bakala, I switched all of my insurance over to her. Now she does my auto, home, renter's, life, motorcycle, and she even helps me with some investing.
By: debdsf
Debbie Daniels - State Farm Insurance Agent
Debbie Daniels State Farm office has met my insurance needs for the last 14 years. Debbie and her staff are very personal, professional and offer excellent customer service.
By: Bill T.
State Farm: Melanie Bakala
If you're looking for a great insurance team, talk to Melanie. Her team provides great service and I've been very happy with them. I'd recommend them with confidence.
By: Janet W.
State Farm: Melanie Bakala
Melanie and her team are great at being there for me and providing personal care. I can always count on them to be responsive no matter when I call or what I need.
By: Nellie J.
State Farm: Melanie Bakala
Melanie is always available for whatever I need and answers all of my questions with confidence. She works with a knowledgeable team and they always stay up beat.
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By: Mike M.
Farmers Insurance - Debra Carpenter
I had a great experience at this office. Dale went above and beyond to get me taken care of as fast as possible.
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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