Hartford Locations & Hours Near Tinley Park, IL - YP.com
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08/03/2017
By: Marie M.
Farmers Insurance - Darren Davis
We recently purchased a home and were in the market to bundle our existing insurances. We did our homework and found Farmers to be very competitively priced. What ultimately made us make the switch was the unparalleled customer service we received from the team at Darren's office. We feel he truly went and beyond for us, was very patient with our many questions and we never felt pressured. We are highly satisfied and have referred a number of family and friends to Darren. Excellent service, highly recommended.
04/08/2016
By: Jeff K.
COUNTRY Financial
This is a great company to work with. Great opportunity for career advancement. Very customer focused.
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10/02/2009
By: maicach1
Donne Insurance Svc Inc
I would like to give some positive feedback:You and your agency have tremendous customer support and ensure customer satisfaction. Too many companies nowadays have done away with keeping the customer happy. Once they get the business, their work is done. It is so refreshing to know that you care...the newsletters, the birthday cards, the prompt return phone calls. That is what brings customer satisfaction. Thank you!As a broker, you have been able to give me the lowest car insurance and homeowner's insurance rates around. I have had Donne Insurance for about 8 years now and am very happy. I had a claim years ago due to a car accident and had Allstate at the time. They dropped me immediately after only one accident. I was not dropped at Donne Insurance when I had a claim - not only that, but my rate didn't go up that much either. It is nice to know we are treated like a person and not just a file.Thank you and I wish you tremendous growth in your business in the upcoming years.
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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