By: M L.
State Farm Insurance
I probably would have given this agent a one star rating, but since I never actually met the man or talked to anyone in his office for more than 45 seconds, I feel like I might be just a little too biased. That being said, after I was blindsided and my car completely totaled, I went to my insurance agent to try and get things settled. Wells Wheeler's office did not handle a single thing for me. I was continuously transferred to national lines and had to go through the whole story four or five times with different people trying to get to the right person, just to have to go through the whole process again if I needed to talk to someone on a different day. I was given a faulty fax line, twice, to send my medical expenses to, and because of it my medical bills have yet to be paid in full. It took State Farm more than two months to send a check to the bank to cover the cost of the totaled car (which was less than a year old with 5,000 miles on it.) We had third party collectors calling us threatening to take action to recover the money. And every time I called Wells Wheeler's office I was just transferred to some national line and never received any information on my claim. We've cancelled our policy with them (although they seem to think we haven't and continue to send us junk) and we will not be back.
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By: Ben A.
Rachel Moscaritolo State Farm Agency
I recently retired and i was looking to combine my insurance policies to save money. I researched a few agencies and I found this office to be the most helpful. I found Ms. Moscaritolo to be very knowledgeable in all areas and her staff were really sincere in comparing my policies and finding ways for me to save money. In the end, I was able to save more than $600 a year. I would recommend this agency to anyone who wants to get the most out of their insurance and save money doing so.
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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