02/01/2013
By: maronica.gibby
Brecheen Brothers
We bought end tables, coffee table, and a entertainment stand from this company over a year ago. The customer service was excellent!! We were so impressed that we returned there to purchase our kitchen table/chairs. We will definitely continue to use this family owned business for ALL our future furniture needs.
10/21/2012
By: linda.may.16940
Holland & Associates Inc Realtors
I am a sales associate for this company. I work with some of the best caring people.Come on in and we will show you houses of your choice. If we dont have it listed we can and do work with other Realtors to serve you in finding that special place to call home
01/18/2013
By: andywilks
Burchfield Commercial Realty
Dusty Burchfield is highly knowledgeable about the commercial real estate marketplace. His helped me negotiate with tenants, drew up the lease agreements and made sure everything was covered. Very professional.
06/28/2013
By: abby.hernandez.1800
Juan Carlos Hernandez Realtors
Carlos is the best! He's so patient and helpful, he explained everything, he never pressured us . . . he helped my parents find a great house too! We'll definately use him again!
01/30/2017
By: Scott C.
NewHomesOK.Pro
David has long been highly respected for his knowledge and customer service for those looking for a new home. One of the best.Scott Casey - Senior Loan Officer
06/14/2017
By: Jason S.
Silvernail Realty
Excellent company. Honest and upfront. I have been doing business with them for 25 years. Treat others with honesty and respect, you will receive the same.
07/08/2016
By: Gail S.
RE/MAX Cobblestone
I am proud to be associated with each of these agents! Every one of us have expertise in handling your Real Estate Transaction.
02/07/2017
By: timberly.smith.1
Metro First Realty
I couldn't have dreamed up a better real estate company that works so hard for their clients.
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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