State Farm Locations & Hours Near Lynchburg, VA - YP.com
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04/26/2017
By: Terry P.
Timberlake Insurance Agency
I've known Wendy forever. They really treat you like friends here at Timberlake Insurance. Great kind service
03/21/2017
By: Tasha G.
Timberlake Insurance Agency
I love coming to Timberlake Insurance, I've been a client here for longer than I can even remember. They explain things in such a clear concise way for me. They are awesome!
03/15/2017
By: Mia H.
Hedges Insurance Agency
The staff at Hedges goes out of their way to make it happen. Someone is always there to answer all my questions and they're always looking to find the best policy to fit all of your needs.
03/08/2017
By: Rex B.
Nationwide Insurance
Cothran Insurance always make sure I get the best price that works for me. I have been with them since 2012!
01/10/2017
By: Carson P.
Nationwide Insurance
Nationwide Insurance - Cothran Insurance always keeps me informed with new coverage and discounts. They've always kept me insured.
12/28/2016
By: Karen M.
Hedges Insurance Agency
Trish and her team of professionals go to bat for us on a consistent basis, best customer service I have experienced in this industry.
11/18/2016
By: Kristina R.
Timberlake Insurance Agency
Timberlake Insurance Agency has been taking great care of all of my insurance needs or over ten years now. They are always able to provide me with clear and helpful information regarding my insurance coverage.
11/11/2016
By: James K.
Nationwide Insurance
I heard about Cothran Insurance from my dad. They provide me with auto insurance. I have very good rates with them.
10/24/2016
By: Wes K.
Timberlake Insurance Agency
I have referred quite a few people to Timberlake Insurance Agency over the years and they've always switched. Timberlake has been the best for me, with the best rates for comparable service anywhere.
10/12/2016
By: Wesley B.
Hedges Insurance Agency
I'm thankful for an insurance company I can always count on. All of you ladies are always so accommodating and I truly appreciate 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.

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