State Farm Insurance Locations & Hours Near Vero Beach, FL -

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By: lindapierre
Advisory Insurance & Investments
Linda & Marv is absolutely fabulous to work with. Gets back to you immediately; even if she doesn't have the information and lets you know when she'll get it. Answers all your questions so that it's easily understood. You can't ask for anything more in an agent. Honest, responsive and makes sure you understand. We wouldn't use anybody else.
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By: Chuck Z.
Redish-Zeuch Insurance Agency
We came from New York with hope and a dream for a better life. In July of 2015, we purchased a condo. JEFF and JIM REDISH are honest, loyal, and dependable insurance agents. They made sure that our family could rest easy at night. Their name stands for integrity and they make sure that it remains untarnished.
By: Carrie M.
Professional Insurance Advisors
The first time I walked into the Professional Insurance Advisors office I was welcomed and greeted warmly. That friendly service has not changed one bit and I am very happy with the services provided and the friendly nature of PIA. I highly recommend them.
By: Dan W.
Professional Insurance Advisors
The staff over at Professional Insurance Advisors are outstanding. They are they clear and helpful with any questions or concerns that I have. The staff is very hard working and I am glad to have my insurance through them.
By: robertciminoea
Advisory Insurance & Investments
Marv and Linda Liss are the best to work with if you are in need of insurance. They take care of my personal and business insurance needs and have been for the last 30 years. A great professional company to work with.
By: Nora L.
Professional Insurance Advisors
Professional Insurance Advisors is an excellent agency to have as your advocate. They are excellent professionals who will always act on your behalf. I absolutely recommend working with them.
By: Lester R.
Professional Insurance Advisors
Professional Insurance Advisors is an excellent independent insurance company. My agent is incredibly detailed and focused, and truly cares about me as a client. I absolutely recommend them.
By: Ken J.
Professional Insurance Advisors
The staff at Professional Insurance Advisors are great. They are friendly and very helpful with everything. Very well established business that I would recommend.
By: Lynn T.
Alexander Insurance
Family owned, great staff. They will look over your current policy free of charge and let you know if they can do better for you. Give them a try!
By: Dan K.
Professional Insurance Advisors
Professional Insurance Advisors are service oriented and care for their clients. Very pleased with what they have done for me.
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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