State Farm Locations & Hours Near Palmer, AK -
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By: Harry S.
Erik Christensen - State Farm Insurance Agent
Erik Christensen at State Farm is really good about providing clear and helpful responses to any questions I have or concerns that come up.
By: Walter J.
Erik Christensen - State Farm Insurance Agent
I used to work for Erik and have been a client since 2008 for liability, homeowners, renters, life and auto insurance. He's always able to provide clear and helpful responses to any questions I have.
By: Ophelia B.
Erik Christensen - State Farm Insurance Agent
Recently, our household had the pleasure of meeting and working with Sally Barnes while we were researching State Farm insurance policy rates at the Erik Christensen Agency. Her high level of exceptional customer service was apparent through her sincere interest in getting to know us better. Sally’s warm and personal approach enabled her to better serve us and address our customized insurance needs. She is very thorough in actively utilizing multiple resources to answer our questions and to ensure that we were completely satisfied and taken care of. Her primary goal to empower us with information helped us make the best decisions for our family and property. As a result of her diligence, our household began a new policy and switched over long-term, established policies to her care which also resulted in significant savings.It is without an ounce of hesitation, that we recommend Sally Barnes and the Erik Christensen Agency for all of your State Farm insurance needs.
By: Erik C.
Erik Christensen - State Farm Insurance Agent
I think my agency is great! Give us a call and we'd love to give you a'll be glad you did!
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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