Allstate Agents Locations & Hours Near Simi Valley, CA -
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By: Elizabeth M.
Astorga Insurance Agency
Very unprofessional company that does not know much about insurance. Alba helped me when I was looking for home insurance, she was clueless about everything I asked her about. I would not recommend this place.
By: Katia A.
Astorga Insurance Agency
We went in to buy insurance, first of all the broker fee is ridiculously expensive. When they wrote our Car insurance policy they wrote that we drive 50,000 miles per year and use the car to commute. We do not drive these many miles or use the car to commute. We asked for this to be changed and they said they are not able to change it. Very unfair since this makes the insurance much more expensive, but I guess this is convenient for them because they get commissions. Anyway we will change insurance companies and report this place to the BBB. The owner Frank Astorga steals from his own people the Latino community and is not an honest person.
By: Harold L.
Engeman Insurance
I learned more about the coverages in my business policy than I ever knew from one appointment with Andrew . I would recommend him for any type of insurance as your Agent.Harold L .
By: chel123
Eric Little - State Farm Insurance Agent
Very professional. Eric and his staff go the extra mile. They are very courteous when you contact them. They get back to you very quickly with any need or question by phone or email. The follow up is great. They are dedicated to the community. Couldn't ask for more.
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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