State Farm Agent Locations & Hours Near Madison, WI -
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By: Dennis B.
Abacus-Bertz Financial
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By: Peggy N.
American Family Insurance - Brad Bodden Agency
Brad is an outstanding agent, and his staff is friendly, helpful and knowledgeable. He has guided us through many important decisions over the past 10 years, from when we started our family to now, when we have three kids and a teenage driver. We enjoy working with Brad.
By: dlatrise
State Farm Insurance
One of Adam's representatives at the time set up insurance for boyfriend and I. We received insurance for not of our vehicles, life insurance, and renters insurance all in one which totaled to a little over 1600 dollars. We shared with him that my boyfriend's driving history wasn't so great and somehow we still were approved for coverage. The representative told us that we would receive cards in the mail within a week or so and if anything changes or came up that he would reach out to us, giving us the option to continue with our coverage or not; as we were concerned with being charged more than what we paid up front. Nearly a month later we received a letter stating that we owed nearly 2,500 more which was not going to happen and after that letter they decided to send one right after, stating that they were no longer able to offer coverage after the next two weeks were up. I called/emailed the representative that I was working with, to cancel my policy and to figure out why we weren't told about the changes that were being made sooner and how very upset I was by his deceitfulness. He apologized and said he would go on and reverse the insurance back to the first day we received it, which would give us a full refund and I was okay with that. He said he would keep me updated and never really did. I reached out to him via email from March to May and each time he said, "I'm working with the underwriters to correct this... I'll keep you posted..." he was very apologetic, assuring me he would take care of it. I reached out to him a few more times and finally received an email on his last day stating that it was his last day and that he was going to still get it taken care of. Today I spoke with Jessica and she pretty much says, it is what it is and that we were charged correctly. My thing is of they knew from the beginning that his driving history was crap per us letting them know as well as being able to pull it up in their system, why didn't they just deny us instead of giving us one quote for the six months, charging us at the new rate without informing us sooner and then keeping all of our money. That's ridiculous! I'm disgusted with the amount of running around I've had to do for the past few months for them to tell me that nothing can be done when clearly there was an error on their end, and shadiness on their end. State Farm, is now State Harm and will never get business from me again. The sad part is I was a customer prior to going in and trying to get my boyfriend some insurance as well. I'm disappointed.
By: alvernomom
Affordable Health Insurance
Very good price,very good service, nice people. Everything I was looking for.
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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