All State Insurance Locations & Hours Near Tulare, CA -
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By: Sherri R.
Bacome Insurance Agency
Bacome Insurance Agency provides excellent top of the line service. I have thoroughly enjoyed working with Karyn Montgomery over the last approx. 8 years. She has always provided services very efficiently. Shes friendly and gets the job done. Great job Karen!!
By: Brian P.
Bacome Insurance Agency
Karyn Montgomery at Bacome Insurance has always responded to my needs and requests in a timely manner exceeding all expectations I have from an insurance agent. Ms. Montgomery also gives me her recommendations with each and every scenario. She has always made me feel like her #1 client. I would highly recommend her and Bacome Insurance to anyone.
By: Alice S.
Bacome Insurance Agency
My name is Alice Silveira. I am a client of your Tulare office , but primary business is in Hanford. So I am familiar with Bacome. I have been a client of yours for almost 6 years. I have a primary agent. But truly Karyn takes care of any questions I may have. What I feel is so impressive about her is how quickly she gets things done. Keeps me updated and never makes me feel like any question is not important. I stay with Bacome because of her. You have a gem as an employee with her. In these days of competition that is so important. I'm probably contacted weekly by insurance companies. Thank you for putting a survey out there.
By: Zoe C.
Bacome Insurance Agency
Debby and Karyn are always so helpful with our Insurance needs.
By: Nathan J.
Bacome Insurance Agency
Karen Montgamary is great and so thankful to have her assisting our family insurance needs.
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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