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12/21/2015
By: Foster K.
Al Vasey - State Farm Insurance Agent
I recently switched my auto over to State Farm from Geico and I could not be happier with my decision! Al and his staff were able to get me significant savings with the same coverage I had previously. But beyond just the savings, I was most impressed with the outstanding customer service I received. I was politely greeted when I walked in the office and Al sat down and carefully went over my options with me. I was so satisfied with the quality of service that I decided to switch over all my life and home policies to Al's office as well. I highly recommend anyone shopping for a better insurance provider to look to Al and his staff!
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09/02/2015
By: Annette V.
AAA - Tucson East Office
I attended a meeting 8/28 at Tucson East to pick up final plane seating assignments for trip to Ireland.We were told our Irish guide's name was Michael--no surname or email.Other travel agencies arrange for in-country guides to contact US!Michael will give us information on things to see and do in Ireland, THE DAY WE GET THERE BUT PEOPLE NEED TO PLAN AHEAD.It would have been nice to receive a list of other travelers' names and home cities. Some agencies include this list in final papers.I forgot to ask if such a list is even available. My fault!On the bright side, I learned helpful tios .........from other travelers.
01/14/2015
By: Jim K.
AAA - Tucson East Office
I went to the AAA Tucson East Office to see about getting more discounts on current automobile policy. I spoke to Tawnya and told me since I have Smart Trek there is a good chance I could get up to 30% off discount on my renewal Automobile policy for 2015. Tanya, told to me once I receive the Smart Trek renewal to contact her via email about a discount was a applied to my automobile policy. Overall, Tawnya was very helpful in providing me about how can get a discount on automobile policy for 2015. Great job. Jim K.
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04/23/2015
By: Jennifer F.
AAA - Tucson East Office
We recently moved from living 40+ years in CA and had a 45 year membership with AAA there. Upon calling the AAA office we received immediate attention, the rep was super friendlyrics and prefessional. She managed to get our membership continued herein AZ and took care of all the little details such as making sure the towing would cover our horse trailer ect. I would recommend this office to anyone we were very pleased with the staff.
09/21/2013
By: sergiomiller
ABC INSURANCE, A BAQUET COMPANY
9/20/2013 It is so nice to have an agent that not only saved me $200 for a 6 month policy. But that I can call and speak with at anytime I have questions. The staff is friendly and always available. I have referred my family and friends and they all saved money, time and are so happy with the switch. If you are looking for insurance on anything from renters to automotive this is the company for you!!
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09/05/2015
By: Ma n pa B.
AAA - Tucson West Office
Your people at the repair shop in Oro Valley were friendly and professional. You do not have a 5 star rating with me because we had to have a battery replaced and there is no battery replacement service for Marana AZ. So we got the car started and drove it to the shop. Why do I have to pay for a service I can't get. They will not come North of Tangarine road. You get a two star from me.
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07/16/2015
By: Bruce H.
AAA - Tucson West Office
Went to this location to purchase a new car. The office is very professional and courteous. I gave the car buying concierge the list of things I wanted on my car. He is currently searching dealerships in the southwest for the best deal, including lowest sales tax and promotional interest rates.I look forward to planning travel with this office.
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07/22/2015
By: Kathleen W.
AAA - Tucson West Office
We are planning a road trip to the Wine Country and went to get a trip tic. All personnel were friendly and professional. Jessica made up a trip tic for us suggesting travel routes and asked if we needed tour books and maps and even took our pictures for renewing our passports which we need to do in the near future. A pleasant experience
04/17/2013
By: tim.lambros.1
Tim Lambros Insurance
Conveniently located across the street from El Corral steakhouse, professionally looking office, upbeat staff members and great company to do business with. Tim is competent to help you guard against the everyday risks in life and especially prepared to help you with the financial risks you face in retirement.
12/10/2013
By: stylpig
Toni Sweeney-Farmers Insurance
Toni is proactive! My favorite part is when she calls me because she was reviewing my policy and found something to make it better for my family and save me money. How many agents just review your policy without you even asking them to!? She's incredibly friendly and incredibly knowledgeable.
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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