American Family Insurance Locations & Hours Near Lynnwood, WA -
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By: Kelly S.
Annie Le - State Farm Insurance Agent
I have my auto and homeowners insurance with Annie office for many years and I always get great service from her and her staff. I recommend you should check with Annie office first when shopping for auto insurance.
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By: Ken W.
Cruise & Travel Presented by AAA - Lynnwood
The facility is nice, lots of goodies. The Staff is outstanding and has been especially Julie and all the staff from the Everett office. Always great help in planning and organizing our trips. BUT the inconvenience of traveling to Lynnwood. Lousy. We have several friends whom are from Sultan, Monroe, Lake Stevens, Granite Falls, Marysville and of course Everett. Either won't go to new facility or went on line. Bad Move. Still AAA is a 4 star because of the wonderful people in your employ.
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By: Tina T.
Cruise & Travel Presented by AAA - Lynnwood
We stopped in to get an international drivers permit for our up-coming trip to Austria this summer. The folks there are very helpful and shop is beautiful with lots of great travel bags, and other things needed for our trip. We WILL be back.
By: Amber M.
PLC Insurance
I recently switched my 3 auto policies AND homeowners insurance policy with Tracy Lake of PLC! She was knowledgeable, friendly, responsive, and was able to get me BETTER insurance for a lower rate!! I am really pleased with PLC both in the way of customer service and product! Thank you for helping me to save money and protect my assets that my family and I work so hard for!!!
By: Toshia J.
PLC Insurance
PLC has the best insurance money can buy. So long as you're with a good insurance company, insurance is insurance, except it breaks down to price and what the insurance covers (some policies have less or more insurance for certain things - I didn't know this! PLC walked me through it though and helped me get what I needed).Lynnwood is lucky to have PLC Insurance agents. They've all been really nice to me, and helped my mom when she had insurance questions, too. Great people that care about their community. Our agent might even come help volunteer with us! How cool is that?They were totally great. Saved me money, took good care of me and my family, and got me the insurance I really needed. I'm super impressed and will be talking about this for a while!
By: James M.
PLC Insurance
Great people and affordable insurance! These guys have been in the insurance business since before I was born, and do a great job with my home and car insurance AND the business insurance for my brewery. I couldn't be happier. PLC insurance agents have been very responsive when I had to put in a claim and when I needed information and help. Super thankful for my great agents.Thank you PLC for being the best insurance agency around Lynnwood and beyond!
By: tom318
Farmers Insurance - Bob Archer
I've been with Alex since 2005 and have always received excellent service and warm, personal attention. Would highly recommend them for all your insurance needs.
By: george7474
Boyka Krasteva-Farmers Insurance
Helped me out a lot with a accident i was dealing with the insurance companies where throwing me around but Boyka was able to help me even though i wasn't her client at the time. I realize now why it is good to have an insurance agent to help you rather than just a 1800 number that is always busy and you can never reach a actually person. I would recommend that you give her a call if you are looking for insurance.
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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