State Farm Locations & Hours Near Muskegon, MI - YP.com
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04/20/2017
By: Natalie N.
Anchor Insurance Group Inc - Jim Mines Agency
The heavy rains caused a drain in my yard to back up and flood my place. It was late Saturday afternoon and I was desperate for a plumber. I called Ronan and he was so helpful. He came over, was pleasant and knew right away what the problem was. He resolved my issue and gave me excellent suggestions on how to prevent the problem. His pleasant, professional demeanor put me at ease. I also didn't feel like he tried to gouge me, the amt he charged was reasonable. I highly recommend him!
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09/07/2016
By: Kris D.
Waterstone Insurance
Not pleasant, I wouldn't recommend to anyone. The people at the cheap insurance places are rude also...but this place isn't cheap and should treat potential customers better, if you ask me
07/18/2014
By: Cindy L.
Nolan Insurance Agency
I used to have a different insurance agency but switched right as soon as we met Bob.
02/20/2014
By: Paul H.
Nolan Insurance Agency
Whenever I have a question, I get an almost immediate response from Bob.
10/28/2013
By: Christine T.
Nolan Insurance Agency
The staff is very attentive to all my insurance needs, and the price is reasonable!
08/21/2013
By: ljohnston5
Nolan Insurance Agency
I'm so happy with Bob that I don't ever feel the need to shop around!
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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