Allstate Insurance Agent Locations & Hours Near Solon, OH - YP.com

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09/04/2016
By: Artyom G.
Nersesov Management
We've had our insurance with Ervin Nersesov Ins Agency since 2007. Ervin spent a great deal of time educating us on the coverage we needed on Auto and Home. He is always available if we have question he respond instantly. Its nice to know that Agent cares so much for his clients to offer these services. We would like to highly recommend the Ervin Nersesov Insurance Agency to anyone who needs insurance!!!!!! It pays to have a good insurance agent!!!!
10/11/2017
By: Debasish M.
Nersesov Management
Ervin's professional services,highly competitive market rates with long term support commitment helped us switch immediately from our current sky rocketing insurance policy premiums. I would highly recommend his professional and personalized support services to all of my friends and associates.Thanks and best wishes to Ervin!
04/26/2017
By: Eugene B.
Nersesov Management
I have had exceptionally outstanding service with Nersesov Management. I have been with them for couple years now and have not had any issues with communication or quality of service. They have been timely with their responses and have given me the best available deals for my auto insurance policy.
04/11/2013
By: donniedlegg
Tara L Securro Agency-Nationwide Insurance
Securro Family Insurance has it all and at great rates! I use them for my home, auto and am looking into their life insruance as well. I think what makes their agency better than the rest is their customer service. The name says it all because Securro Family insurance treat you like family!!!!
05/16/2017
By: Galina K.
Nersesov Management
I'm very impressed with his professionalism ,Ervin took a time to answer our questions ,he was able to save me and my husband money in our car and a condo a good amount money. I would recommend him to all my friends and my family. Thank you Ervin.
01/04/2017
By: writer54
Brown, James
I like the fact that I can have a relationship with my agent and still call his office anytime or day. I had to leave my last agent since he did not believe in using technology to make doing business easier.
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10/15/2016
By: Able M.
Nersesov Management
They took time to answer our questions we understood our policy..! if you're looking for experience car insurance company this will be the place to go you would not be disappointed, Thank you guys.!!!
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05/04/2017
By: Viktoriya D.
Nersesov Management
I'm very impressed with Ervin and his proffesionalism. He was able to save me $600 on my car and house insurance. I would recommend him to all of my friends and 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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