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04/02/2013
By: faviola12345
Lighthouse Insurance and Financial Services
5 star service! Eloisa is currently my insurance agent for my home and has provided exceptional service. Upon purchase of my home she explained to me everything I needed to know about insurance coverage. She has also helped guide me on the best coverage for my engagement ring. Definitely a great source for anyone who needs insurance.
09/21/2016
By: Donna F.
Bob Vitt - State Farm Insurance Agent
Good service, i like itA basic auto insurance policy usually includes six types of auto insurance coverage to make sure every driver has just what they need, at the very least. They provide the broadest protection for the most common events for which you would file a claim.Make a trip to the Holy Land And return forever transformed
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06/09/2015
By: Anthony G.
American Family Insurance
Casey is a fantastic guy. Very knowledgeable, prompt with replies and thorough. He's helped me out with everything from renters insurance to car insurance to business policies. I highly recommend AmFam with Casey because he offers great customer service and is always available to help when you have questions.
07/25/2013
By: gaetanol
American Family Insurance - Peter Gramoll Agency, Inc.
This Agency is the easiest to work with, they provide wonderful customer service and take the time to make sure you understand what each policy provides. I was very happy with the rates I was quoted and the ease of setting up the policies. 5 stars!
11/17/2012
By: julieta070612
Tu-Todos Unidos Agencia
María y Aarón tomaron el tiempo para hablar de lo que estaba comprando y ofrecen maneras para que ahorre dinero. Me siento mucho mejor acerca de mi póliza y cobertura ahora que con mi agente antes. Ellos realmente se preocupan por sus clientes!
04/10/2013
By: michelle_smith
Lighthouse Insurance and Financial Services
Eloisa is very polite and very informative. She made me feel comfortable and happy because I found someone that really cared for my insurance needs. I will recommend Eloisa for auto and home insurance anytime!
03/19/2014
By: Randolph B.
Thomas G Stano Insurance Sales
I have worked with Tom for many years. He is a man of his word. A true professional. Would recommend to anyone.
08/28/2012
By: gibson918
Farmers Insurance
Excellent Customer Service!! Jeremy and his staff were very helpful and I recommend to all my family and friends.
12/20/2016
By: John J.
Mark Bojarski - State Farm Insurance Agent
Mark is very knowledgeable about insurance. I highly recommend him for all your insurance needs. Auto and home.
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02/17/2017
By: moeshirley
American Family Insurance - Vincent Cicirello Agency
Great personality and extremely helpful! I'm glad my family made the right choice to do Business with Vince!
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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