By: Geri W.
State Farm Insurance
I recievd a letter from my car insurance co about my rates going up. I called State Farm to see if I could get a better price. Matthew spoke with me right away and even agreed to text the quote. Within the hour I was sent a quote that was almost $200 less a month and with even more coverage . All forms were emailed and the change only took minutes. All my questions were answered immediately! Excellent experience!
By: Patrick A.
Home Encounter
We couldn't be happier with our Home Encounter agent Joann Lessaris! She is responsive, professional, and aims to please. We needed a long-term rental while our home is being built. Joann has an in-depth understanding of her property area and is clearly very familiar with the pros and cons of all the communities, school districts, etc. If you need a great agent ask for Joann Lessaris by name!
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By: Mark H.
Cooperative Real Estate Greater Tampa
Julie was very knowledgeable and accountable. Much more than any other realtor we have ever dealt with. Crosses her T's and dots her I's. Very easy to talk to and keeps an open line of communication. Perfect person to help you list or buy your home. She treats you like a person and not a sign or object. I strongly recommend checking out her services for her expertise!
By: Jason S.
Cooperative Real Estate Greater Tampa
I started working with this Realty company a few days ago and I am pleased so far. Julie is very attentive and organized. She has met up with me a few times to discuss my specifications for moving into a new home. I can tell she does not want to hound you. Instead, she has been trying to pinpoint the ideal home for my family to move into. I am extremely grateful.
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By: Mathieu B.
Home Encounter
Being an investor in Canada my primary concern was to surrender myself with a winning team and be able to sleep stress less at night.In Home encounter I found those elements, there ware able to assist me and provide me all the resource in their hands to make it a pleasant journey.I'm glad to say, they are my first pick for many years to come.
By: Stacey R.
Barbara Hoye Realtor
I would highly recommend Barbara as a realtor. She knows the area very well and was good with advising us on things to avoid, she is not just trying to close the sale. We found an amazing house and we were so grateful to have Barbara’s support to navigate the inspections and closing process. Highly recommend!
By: David W.
Cooperative Real Estate Greater Tampa
Great realty company to be involved with. They are always open and friendly, while also being easy to contact. I have tried contacting them through email and phone and they have responded to both promptly. Moving forward with my new home, I'm glad I am working with them.
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By: Josh S.
Home Encounter
Home Encounter property managers are excellent to work with as an owner. My properties in Lutz and Riverview leased in the first week of showings and for the top of the price range. I would highly recommend them to any landlord looking for property management services.
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By: Ben C.
Cooperative Real Estate Greater Tampa
I've been using Cooperative Real Estate for a few months and I am really excited about what I've gotten out of the deal so far. Julie Lasky Mueller is very bubbly, experienced, and consistent. She comes across as genuine and helpful. I would highly recommend it.
By: Michael Y.
Grimaldi Commercial Realty Corp
Kari, Thank you very much for all the work that you have done for us. Not only was your marketing masterful, but you had a clear understanding of our goals and what we were looking to accomplish. Your professionalism and hard work are exemplary. Thank you again.
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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