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04/10/2013
By: theharmons
Wylie Insurance
Leticia not only got us the best price on our car insurance, she went above and beyond to get me our policy when we needed it most. We were both working long hours, and we couldn't seem to get the time we needed to get to the office while it was open. We are cash only customers so it made it difficult.She met with us to sign our policy @ a convenient for us. We are now picking our renters insurance with her.She had the lowest rates for that as well! She made Fantastic Customer Service look simple Tell her the Harmon's sent ya
05/26/2017
By: Jay S.
Arrowhead Insurance Agency
High level customer service is what sets apart Arrowhead Insurance from your typical insurance company. Arrowhead is always available to answer questions and help. Thank you Arrowhead Insurance!
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11/11/2016
By: Sarah T.
C-B Associates Insurance
We love Tracy at CB she cares about our needs and budget. We been with her for years and would not ever switch. She will get the best deal hands down ! Thanks Manuel C. Ortega
05/12/2016
By: Maria L.
U-Payless Insurance Agency
Great service, they were able to explain the auto policy very well and really gave me the lowest price available, would recommend to anybody that is on a budget.
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09/02/2017
By: Warren W.
Farmers Insurance - Neal Groesbeck
Hard working man that wants to do the best for his clients and their particular needs. you can't go wrong with Meal!
09/23/2014
By: Jesus R.
Turbo Insurance Services
How much it cost for a bmw 97 insurance?
07/02/2013
By: littlemisses
Farmers Insurance - Corina Villarreal
GREAT AGENCY! AWESOME SERVICE!
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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