Aig Locations & Hours Near Wellington, FL -
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By: Steve G.
Phil Rossi Insurance Agency Inc
Phil Rossi is a condecending, demeaning, and insincere agent who onlty cares about commissions. I had a flood with my wife shattering her kneecap as she slipped. When I call Phil Rossi he said he had nothing to do with a claim. Nevver once asked how my wife was or interest in helping. I would NEVER recommend his agency. Go elsewhere
By: Marie D.
Frank Esposito: Allstate Insurance Company
Frank is the best agent I've had. He has saved me hundreds of $ and I can call him at any hour of the day and he always gets back with me immediately. I understand Frank does not set the prices for insurance, Allstate does! He makes sure I am fully covered... BUT not over covered and paying too much. I have recently taken out a policy for pet insurance! I love having all my insurance under one roof with Frank. No one wants to pay for insurance but if you have a great agent on your side he or she will work for you and get you the best deal they can. So much better than calling a 1-800 # and talking to whoever. Me and my friends all use Frank Esposito for their insurance agent and we have no complaints....only praises.
By: Joe K.
Frank Esposito: Allstate Insurance Company
I disagree with the negative comment from Jason B. Frank Esposito has been my agent for some time now. I think he is the most ethical agents in the industry and I have multiple lines of insurance with Frank. He is a class act
By: Jason B.
Frank Esposito: Allstate Insurance Company
Horrible. Frank Esposito is a crook and steals from people to make his money. Hes done it in the past so do you think you will be any difference. I wouldnt trust and worthless paper he hands you stating your insured.
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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