State Farm Agent Locations & Hours Near Redding, CA -
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By: Sean B.
Zach Bay - State Farm Insurance Agent
Zach has managed my sons' college savings, my homeowner's and auto insurance, and my retirement planning for years now. I trust him with everything. He makes recommendations based off what is good for my family, not what is good for his own bottom line. He has demonstrated this professionalism and care on more than one occasion over many, many years. If you value integrity and professionalism, Zach Bay is the best you can find.
By: Walter J.
Farmers Insurance - Jesus Rubio
Appears Jesus is more concerned with making his commission on your dollar then trying to get you the right insurance for your needs, I cancelled my policy with him. He is never available when you want him.
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By: Justin G.
Zach Bay - State Farm Insurance Agent
Zack and his team have supported me through a totaled vehicle, stolen items out of my car, and various documents necessary for "LIFE" that happens. I come from years and years of no accidents or even having to call my car insurance agent but the past 2 years have been crazy with issues. Zach and his team handled all of them with integrity and speed. Which is my love language. Best insurance agent in NorCal. No contest.
By: Patrick D.
Acceptance Insurance
I totaled my car while still financing it. Called in to make a claim and without hearing back from an agent or anything, they denied. Find a different insurance company, these people suck
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By: Tiffany B.
Michelle Marks - State Farm Insurance Agent
Michelle is an exceptional agent, she treats all of her clients as if they were her family or friends. :-)
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By: Tyler F.
Zach Bay - State Farm Insurance Agent
I have loved working with Zach. He has always been available for my questions and ideas. I would refer Zach to anyone interested in planning for future investments and retirement plans.
By: Jc C.
Robert Bishop Insurance Services Inc
Robert Bishop Insurance Services has been handling my health care coverage for several years. I just can't say enough about their customer service. They work in the best interest of this clients and even though I am on the Obama Care they still take care of me and always follow up if there a change or info I need regarding my policy.Excellent!! Excellent! Excellent!
By: Sheldon C.
Zach Bay - State Farm Insurance Agent
We did not have a very good experience using this agent. Zach just didn't seem to connect well with us.
By: O.
Farmers Insurance - Mike Littau
Mike has surrounded himself with an amazing team. His honesty and passion to provide you with great insurance really shines through! I highly recommend you see Mike and his team for your insurance needs!
By: sarrah.harris2
Allstate has been good to me for over 5 years. my parents have Allstate as well. I couldn't ask for a better insurance company :-)
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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