By: Bob E.
American Family Insurance - Mike Stapley Agency, Inc.
I have been with Mike's office for 17 years. I contacted Susan after receiving my renewal notice to make changes could be made to our policy. Boy was I surprised to discover how much she was able to save us! No one, could touch our new policy. None, including Geico, Farmer's, State Farm, or Liberty Mutual, to name a few, could match her in professionalism, curtesy, and expediency to provide us with the best possible policy for our needs. Susan IS the standard for others to emulate. Thanks for a job well done!
By: georgia02
Farmers Insurance - Lucy Webb
I would reccomend Lucy Webb to anyone in need of any type of insurance. I had my auto policy reviewed and issued within twenty minutes of calling in. Lucy also explained to me other types of insurance that I should be looking at to protect me and my child. As a single parent It was nice to talk to a real professional about my real life needs. I have also filled out my paperwork for a life policy. And I look forward to doing business with the Lucy Webb Farmers agency for years to come.
By: Kevin F.
Ryan McBride - State Farm Insurance Agent
Right from the start I was welcomed with open arms to Ryan's office. I had Ariel, a great gal in the front office do my quote. She was quick, effective, and efficient with all of it. She followed up with me and was extremely helpful. I'd recommend this agency to anyone looking for any kind of insurance, friends and family alike. They are really great at what they do. Any question just give them a call, they'll help you anyway they can.
By: Alysa L.
Mirage Insurance
ok so my husband and I have auto insurance with mirage insurance, I can say they give me good prices, and options on my car insurance. Fist of all I want to give a big THANK YOU to Magali she has helped us in so many ways in our needs for car insurance also in our motorcycle, and renters insurance. she has been responsible, honest, and always happy to help her customers. I really recommend her to anybody.
By: wandaj.
Mike Wilson - State Farm Insurance Agent
I would like to let you know, of what an outstanding employee you have inMs. Contreras. She has the best customer service skills I have everencountered, and I just thought that she deserves to be recognized for that.I am a 12 yr State Farm's satisfied customer, but was never treated withsuch professionalism, respect and with such high customer's servicestandards that she has. Wanda J. Bensalem, PA
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By: Steve Z.
Farmers Insurance - Jayson Hoffer
Jayson always goes the extra mile for people, even for those who may only be potential customers. He has a vast network of connections to other businesses, and provides plenty of referrals and advice, even when it might not benefit him directly. His intentions are to serve and provide accurate and honest information, so the right decision can be made.
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By: Maryann B.
Farmers Insurance - Jayson Hoffer
Jayson and his coworker worked with my work schedule and came in on a Saturday for a meeting with my mother and I. Jayson took the time to explain what insurance I needed. He goes above and beyond to help you even when he doesn't know if you will be his client. Thank you to Jayson and his coworker for the awesome experience.
By: Dan S.
Farmers Insurance - Lucy Webb
I HIGHLY RECOMMEND LUCY to anyone who is looking for an agent that actually cares and works hard to make sure that I am getting the best rate possible. Anytime someone asks if I know someone who does insurance Lucy's name is the first to come out. She really goes above and beyond for her clients! Keep up the Great Work Lucy!!!
By: Lylia C.
Farmers Insurance - Jayson Hoffer
When I went in to see Jayson, I thought I knew about insurance. Jayson blew me away with the information I learned about Insurance. If you want a good insurance agent call Jayson. His phone is always on 24/7.
By: surfngirlaz
Allstate Insurance Agent: Mark Rosen
The agent and staff here are very friendly and helpful. They gave me a quote and I switched over from Farmers, saving about $400/Year. I would definitely recommend them to family and friends.
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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