Temporary Error.

Please try reloading the page.

03/27/2013
By: chad.gohm
Future Insurance Agency
I've had Future Insurance for my personal and business line of insurance. They are fast, friendly and really care about me when I call and ask a questions. I have always received a fair price for my insurance and would recommend them to everyone.
02/23/2016
By: ryanpbusman
Farmers Insurance - Ryan Busman
This is my agency and I will work very hard to meet and exceed your expectations. Our goal is to return your call within an hour.
user avatar
07/18/2016
By: Tamm H.
Howard Szaroletta - State Farm Insurance Agent
Never had a problem getting ahold of them. Always was there for us when we needed them. I wouldn't go no place else!
06/26/2013
By: aaron.lang.7524
Aaron Lang - State Farm Insurance Agent
I needed to meet after work, we stayed until almost 6 and I got a great rate! nice place
08/05/2013
By: jlhovater
Aaron Lang - State Farm Insurance Agent
Aaron is wonderful. He is always there when I need him. I would not use anyone else!
user avatar
06/10/2011
By: stumax
Michael Miner - State Farm Insurance Agent
This place Rocks!!! Do you want to be treated like family? Call Us 989-799-2200!
07/25/2013
By: aaron.lang.7524
Aaron Lang - State Farm Insurance Agent
They stayed open late for me, nice people and the best company!
user avatar
08/07/2015
By: Beth S.
Michael Miner - State Farm Insurance Agent
Office has great customer service and are very friendly!
03/27/2013
By: chad.gohm
Scott Seamon - State Farm Insurance Agent
Great people to work with who care about their customers
user avatar
02/20/2015
By: Jo R.
Michael Miner - State Farm Insurance Agent
Mike and his office are great to work with!
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.

Just a moment...