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12/03/2013
By: Barb O.
John R. Zongrone Agency, Inc.
The entire staff is extremely helpful and responsive. They are very thorough in reviewing your policies with you each year and provide very competitive rates. They are always there for you when you need them.
08/12/2015
By: Donal R.
John R. Zongrone Agency, Inc.
John R. Zongrone Agency provides nothing but the best services for their clients. Everyone is knowledgeable and friendly in the office.
10/17/2014
By: Lana B.
John R. Zongrone Agency, Inc.
John R Zongrone agency keeps me in the loop with new coverages and discounts. The staff will definitely help you look for fair prices.
12/07/2015
By: Raychel Q.
John R. Zongrone Agency, Inc.
I always recommend this insurance agency to my friends and family. They have provided me great coverage over the years.
07/29/2013
By: katkat.polo
John R. Zongrone Agency, Inc.
They are always happy to accommodate us with billing when we are leaving on extended vacations.
04/16/2015
By: Harold W.
John R. Zongrone Agency, Inc.
I would recommend John R. Zongrone Agency to anyone looking for professional insurance advice.
05/29/2014
By: Jean R.
John R. Zongrone Agency, Inc.
They are easy to deal with, and everyone is honest and helpful. They have fair prices too.
02/26/2014
By: Emma F.
John R. Zongrone Agency, Inc.
Always happy to accommodate us with billing when we are leaving on extended vacations.
12/03/2014
By: Ryan M.
John R. Zongrone Agency, Inc.
These guys always do a good job. They are easy to work with and easy to get a hold of.
07/30/2013
By: warriorzzz
John R. Zongrone Agency, Inc.
Everyone was very professional and easy 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.

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