John Hancock Insurance in Peoria, AZ with Reviews -
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By: Katie T.
American Family Insurance - Ohalys Victore Agency
I always thought American Family was expensive but I found I could get better auto insurance coverage and Renter's Insurance (which I was never offered before) with Ohalys' office for less than the cost of auto insurance with my old company. Less than a month later my kitchen caught on fire. Most of my things were ruined by the smoke and water. Renter's insurance is paying to clean or replace my damaged things. Thanks Ohalys for leaving me protected from the unexpected!
By: Carol A.
Katie Campbell, CLU, ChFC - State Farm Insurance
Overall I have had a very good experience with Katie Campbell from State Farm. She is great at what she does and always puts her clients first.
By: D L.
State Farm Insurance
best agent is Brad Siok's office. Bob Bailey is wonderful and will answer all your questions and gave me a better rate by saving me $100 a month then my former insurance carrier with extra coverage. Highly highly recommend!
By: Gary B.
Katie Campbell, CLU, ChFC - State Farm Insurance
Katie Campbell is a genius. I have nothing but excellent things to say about her work. I have been very pleased over the years.
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By: Tillman S.
Katie Campbell, CLU, ChFC - State Farm Insurance
We love Katie and her office. We refer her to everyone, every chance we get. She's always so friendly.
By: Rachel B.
Katie Campbell, CLU, ChFC - State Farm Insurance
I always know I'm in good hands here working with Katie and her staff. Everyone is very helpful. They always answer my questions thoroughly and are very patient with me.
By: Mike U.
State Farm Insurance
This business was very profession in dealing with me and I appreciate the owner Brad Siok assisting me in my insurance needs for as long as he did.
By: Ryan P.
State Farm Insurance
Best State Farm Agency in town. Brad and his team provides excellent customer service, they are very courteous and professional with all of my insurance needs. Highly recommend this great team.
By: Hank F.
State Farm Insurance
My wife and I have found this State Farm office to provide outstanding service and advice. We've been with Brad and his team since moving to Arizona 15 years ago and have had a lot of changes over the years. They never miss a beat we would highly recommend this business.
By: Katie V.
Katie Campbell, CLU, ChFC - State Farm Insurance
We have been working with Katie and her staff for a while now and they have always been helpful and polite. We would recommend them to friends and family.
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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