State Farm Insurance Locations & Hours Near Torrance, CA - YP.com

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10/01/2012
By: shopperwholikesdeals
Scherer & Mcmullen Insurance Agency, LLC
This is a really great insurance agency. The agents are very helpful and knowledgeable and always give all-around excellent customer service. Everyone has always been so pleasant whenever I have called with questions. Their quotes have always been competitive and fair, also. I highly recommend them
01/29/2015
By: Robby H.
Carryme Insurance Services
CarryMe is a decent option for those looking for local options. You can group together types of insurance or pick individual ones. Rates may or may not be higher pending on certain things (like credit score). They're good if you don't want to use something like Geico. Happy with them.
02/08/2015
By: Tim P.
Carryme Insurance Services
I got home insurance for an older place I recently work to won. It's about two decades so this needed some good insurance. They have a solid plan and seem pretty friendly. Don't think I'll switch any time too.
02/05/2015
By: Xochi L.
Carryme Insurance Services
this company features a few different types of insurance, and i use them for my salon as an office coverage. prices are pretty good, but being able to just drive down and talk to them is nice and convenient.
02/07/2015
By: Johnny W.
Carryme Insurance Services
Offers multiple types of insurance. Most common are home and car. The rates are decent. Friendly staff. Premiums go up or down depending on your credit/history/automobile. Still good for a local place.
01/29/2015
By: Dave C.
Carryme Insurance Services
i prefer these guys over most major insurance platforms. feel safer really, so does family. cheaper in a lot of cases. down to earth group of people, very small. five stars.
01/31/2015
By: Eddie D.
Carryme Insurance Services
good options like others have pointed out. use them for boat insurance which you need in certain states. nothing to complain about. best score no question.
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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