State Farm Insurance Locations & Hours Near Lansing, MI -

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By: Margot B.
Farmers Insurance - Nicki Vanlake
After my long term Farmers agent in Grand Ledge closed his agency rather abruptly, I was blindly transferred to a seeming rookie "start-up" agent who was taking over his mommy and daddy's well established Farmers agency - so it seemed. It was not a good situation at all. I began interviewing Lansing Farmers agents and I found the VanLake agency to be the most polite, prompt, professional, customer centered agency I have yet spoken to. No matter what my request the staff at VanLake Farmers are friendly, efficient, follow through with commitments, are timely and accurate, and they are on the ball! Need a policy at 4:45pm Friday, ON THE SPOT, for a new vehicle? Done. Need something faxed - wherever you are? Done! I am continually pleased and surprised at how Mrs. VanLake and her friendly and efficient staff go the extra mile to exceed my expectations time after time. Unlike many of her peers, she is available as needed to speak to in person, before, during, and after hours. Even when she is not immediately available she returns calls promptly and has enough experience to generally have the situation solved by time she calls you back. Believe me when I say - this kind of service is NOT the industry standard! Thank you Mrs. VanLake. It is a pleasure having my business and personal policies with someone I can trust. In this industry talk is cheap. Interview your potential agent, and call right at open and close to do so. See who takes their business, AND YOURS, seriously.The agents that walk in an hour or two late and leave an hour or two early are not conscientious and hard working enough to handle my business. Some agents let their secretaries run their business and come and go as they please. Not the kind of people I want "watching out for me."Agents Like Mrs. VanLake are prompt, hardworking, conscientious, and go the extra mile to make sure her customers needs are met and expectations are exceeded! Give the agency a try. You will see the difference!Mark BensingerDimondale, MI
By: David O.
Farmers Insurance - Nicki Vanlake
The VanLake agency has been my agent for a couple years now. We were happy with the savings at the initial transfer and we are happy with the continued coverage. Adding cars and changing cars, Nicki always searches to get us the best rates with the right coverage. Efficient, knowledgeable & professional - very friendly and very helpful. D
By: tpb0808
David Chapman Agency
Very friendly and found that they have great rates on business insurance probably the lowest in town. Very happy.
By: tpb0808
Franco Insurance Agency
Very good rates and quality customer service. They have a variety of insurance you can choose from.
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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