State Farm Insurance Company Locations & Hours Near Pleasanton, CA - YP.com
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08/27/2016
By: Sally B.
Insurance Brokers & Agents
ood service, i like itA basic auto insurance policy usually includes six types of auto insurance coverage to make sure every driver has just what they need, at the very least. They provide the broadest protection for the most common events for which you would file a claim.Make a trip to the Holy Land And return forever transformed
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03/12/2016
By: Teresa B.
BridgeTower Insurance Services
Up until a few years ago, my family and my husband’s family had been with Farmers Insurance, I had all my insurance with them for more than 35 years. But when Sally left for Bridge Tower Insurance, I eventually followed her and I am very glad I did. Not only has she saved me lots of money by switching, I am still getting her personal service. We recently were shopping for cars. She provided us with multiple insurance quote all thru the weekend even though the office was closed. If I don’t think of something Sally will call. I don’t have any other service agents that gives me that kind of service, not even my doctor.If I have a question and Sally doesn’t immediately know the answer she will find out. I know when I get an answer from Sally it is a complete and honest answer. I do not usually write reviews or recommendations but I whole-heartedly recommend Sally Witt for any of you insurance needs. She will take care of you and your 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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