State Farm Agent Locations & Hours Near Vancouver, WA -
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By: Todd R.
Consolidated Insurance Services, Inc
Richard was great. If you need answers to all of your very difficult Medicare questions call this guy!
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By: Crystal C.
American Family Insurance - Jason Vambour
Jason was very friendly and professional. He helped us find the perfect insurance policies for our needs and we saved money. We highly recommend Jason to anyone looking for insurance.
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By: Kaitlin L.
American Family Insurance - Jason Vambour
I had been shopping for auto insurance for a few months and Jason is the only one I talked to who actually helped me and seemed happy to work where he does.
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By: Nama R.
American Family Insurance - Jason Vambour
I am very pleased with the professional service I received from Jason Vombaur and his staff at American Family Insurance. Jason explained every detail of my home and auto insurance. I have complete confidence in Jason Vombaur and American Family Insurance.
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By: Lashawnda Q.
American Family Insurance - Ryan Howes Agency
I always wanted to get American Family insurance b/c I heard many good things. During that time, it was only in Portland and I lived in Vancouver, WA. I got it now and am more then please! It was worth the switch.
By: Michelle E.
American Family Insurance - Jason Vambour
Switched to Jason Vombaur in December....BEST move my family has made. Knowledgeable agent, friendly staff. 100% the customer service we were looking for.
By: george.dubinin
American Family Insurance - Dan Farrell Agency
NEVER answer their phone, very frustrated.
By: john.oljar
Moe, Julie H - State Farm Insurance Agent
Trust, Respect and Professional are the first words that come to mind when thinking of Julie Moe State Farm. The Staff provides a high-quality service with a smile. I have all my insurance needs through Julie Moe. One stop shop with quality and affordable. A high recommend from me. Check it out.
By: sarahjameson
Farmers Insurance - Jason Calahan
I really enjoy working with Becky for all of my insurance. She is wonderful at taking the time to meet with you and go over any questions you have. She really takes the time to get to know you and your family! I would recommend Becky as an agent to anyone!
By: coleen.bryner.acker
Farmers Insurance - Jason Calahan
I would recommend Becky to anyone! She will always go above and beyond for her clients!
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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