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04/22/2017
By: Bernarda G.
Nick Rouse - State Farm Insurance Agent
I have been looking for a insurance company for a while. I can honestly say that when I spoke with the agents (Alec,Jacob & Nick) I was truly impressed with the service and the willingness to help me get insurance for my cars ,Home & life I have now been working with Nick Rouse & his staff and I can say that there are still good people in the world. Nick is definitely one of them. I needed some help getting a few things done around my house. Nick came to the rescue and helped me nick is a angel .I am very happy to now be a part of the STATE FARM family. If you are looking for a very reliable group...you've found it in Nick Rouse and his staff. Thank you & God bless you NICK !!!
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03/25/2015
By: Laurie V.
Nick Rouse - State Farm Insurance Agent
I highly recommend Nick Rouse State Farm Insurance agency. I was seeking homeowners insurance, calling around for quotes ...I received the best quote from thus agency ...more importantly, the best customer service. Storm was my contact person although everyone here was always super kind and professional. Storm was always on top of things, followed up and followed through with the entire process. I can't say enough good about Storm and the Nick Rouse State Farm Insurance Agency !
03/26/2015
By: Kristen T.
Penny Hardesty - State Farm Insurance Agent
I switched over to Penny's agency from another insurance company 2 years ago and I am glad I did! Her staff informed me of a lot of information about insurance that was never explained to me at my previous company. I also love being able to pick up the phone and call their office directly without having to be put on hold! They are very knowledgable and great at what they do, I will be a longtime customer of State Farm.
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08/20/2015
By: Adam G.
American Family Insurance - Kyle Zeller Agency
I've had a handful of bad insurance experiences in the past. Certainly enough to appreciate a really great agent when I have one. Kyle has been that for me the past several years for home, auto, life, and even my hog of a 50cc scooter. Everything is done quickly, on time, without hassle, which is as good as it gets in the insurance world.
09/06/2017
By: Daniel D.
Penny Hardesty - State Farm Insurance Agent
I have been a true customer of Penny's for many years. I have always appreciated the personal attention she ALWAYS provides! Penny not only fully addresses my all of my current insurance inquiries, but even advises me of future products that will absolutely protect my family from potential "hazards." Penny is the best!!!
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02/28/2017
By: Brad D.
Farmers Insurance - Michael Hernandez
Mike, is truly a wonderful insurance agent. He has gone out of his way to provide the best quality service possible. We had a problem with some paperwork and Mike went above and beyond the call of duty to resolve the situation. If you need a quality insurance agent Mike is your guy.
03/26/2014
By: Carolyn W.
Allstate Insurance Agent: Phil Aitken
Phil Aitken Allstate Agency has been nothing but friendly and accommodating in helping get the best insurance plan for me. The staff is always so great to work with and they are constantly putting my needs first. Best agency I've worked with in my 15 years of having insurance!
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01/24/2017
By: Frank T.
Penny Hardesty - State Farm Insurance Agent
As far as insurance agents go, Penny does a great job with handling our car and home insurance. She keeps me in the loop with new things but doesn't spam mail me to death and has been very easy to work with whenever I needed anything.
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12/22/2016
By: Jim S.
Penny Hardesty - State Farm Insurance Agent
Penny has given great service as the insurance agent for my family and I over the last several years. We get a great rate from State Farm and being has always been reachable whenever we needed anything or had a question.
04/18/2017
By: Ali P.
Chris Hare - State Farm Insurance Agent
Chris expects nothing less than world class customer service from all of his employees. He's an engaged agent that loves and cares about all of his clients. He's as genuine as they come!!
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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