If you live in any of the six states where Plymouth Rock offers coverage, the home insurance company may be a good fit for you—but chances are, you may find a cheaper company to work with. Its costs run higher than many other home insurance companies. However, the cost may balance out with the many discounts offered. Overall, we give Plymouth Rock home insurance a score of 87 out of 100. SuperMoney is not responsible for third party products, services, sites, recommendations, endorsements, reviews, etc. All products, logos, and company names are trademarks™ or registered® trademarks of their respective holders.
This information is designed to help you with your decision-making, and it is not intended to provide advice. Contact a local independent agent in the Trusted Choice network today for assistance concerning the insurance options that are available to you. Plymouth Rock allows customers to file claims anytime through a couple of different mediums. The carrier’s official website details the process for auto insurance claims as follows. Plymouth Rock provides 24/7 claims reporting for its customers.
The training program itself, however, is fairly hectic and uninformative. You are ultimately trained by many of the supervisors and team leads. Almost all of which have been with the company for at least a decade.
When it comes to auto insurance coverage, we know there are many companies to choose from. Among the gamification features is the ability to run competitions between up to 10 people—policyholders or friends who are not even Plymouth Rock customers—to see who is the best driver. The smart phone app can distinguish between drivers in a given household, or whether the policyholder is moving in a car or some other form of transportation, such as a train or boat, according to Boyd. The app is even capable of identifying when a policyholder is only a passenger in a vehicle, though it also lets policyholders tell the app when that’s the case.
It tracks your driving and gives you a score based on how safe you are. Instead, it gives you points that you can redeem for gift cards to different businesses like Amazon or Starbucks. Some customers say the app automatically reroutes them to their driver profile whenever they click on a link to do something else. Others say the app won’t load their ID card or let them access their policy.
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To get the best price, get quotes from several companies and call local agents. Elizabeth Rivelli is an insurance writer for Reviews.com. Over the last year, she has covered insurance providers, best policies, industry trends and more. Elizabeth has been featured in The Simple Dollar, Bankrate and Coverage.com, among others.
Please refer to the advisor’s personal website or to FINRA’s BrokerCheck website for additional details. Any client featured on this page is a brokerage customer of Ameriprise Financial Services, LLC, a registered broker-dealer. No depiction of or reference to a client is intended as an advertisement of investment advisory services.
We are a little old fashioned, if you want something done quickly, we will do everything we can to assist. Our expertise is based on well-trained experienced staff that can tailor a comprehensive insurance program for your specific needs. You will have the added benefit of working with insurance agents who understand your needs. Finding the right insurance policy is only the beginning.
If you get an auto insurance quote, make sure the representative you speak with discusses this with you. Massachusetts is part of the group of states that don’t allow insurers to consider your credit score to set your car insurance rates. Although it does not have a mobile app, Plymouth Rock Assurance does offer online access to customer accounts, where customers can log in to maintain and update their policies. Customers looking for a more tech-focused insurance experience may wish to look elsewhere for auto insurance. It’s why local insurance agents refer their auto claims clients to Plymouth Glass and Mirror time and time again. Plymouth Rock also helps their customers save money through car insurance discounts.
Adgreylock Insurance Agency
Also, if you need assistance in the repair process, Plymouth Rock’s Door to Door Valet Claim Service will transport your damaged car to and from a repair shop. Here we showcase the latest makes and models, often before they hit the market. We also report on other significant announcements in the automotive industry. Claims can be reported online by logging in to the policyholder account or using a policy number to sign in to the system. Plymouth Rock writes commercial auto – their only commercial product – in three states. I’m finally going to switch to the green guy and save some good money too.
The company might deny your insurance claim if you made an error, forgot to add a piece of information, or didn’t read your policy properly. Don’t be discouraged by a rejected claim because it happens all the time. Plymouth Rock Assurance is ranked #7 on the Best Insurance Companies to Work For in Massachusetts list.
Since then, she’s earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. Download the Plymouth Rock Assurance app for access to your insurance, 24 hours a day, 7 days a week. Learn more about our auto and home insurance products for teachers.
Claim University – Travelers has a special training center that prepares its 13,000+ agents to assist customers better. The company’s claims center is open 24/7, and its easy to file a claim online or through its mobile app. We ran the numbers before and found Travelers’ rates to be low for Garden State dwellers. And it’s especially cheap for people in their late 20s and married drivers over 60. Combined with some of the discounts the company offers, we think its a good choice. Founded in 1982, Plymouth Rock manages more than $1 billion in personal and commercial insurance throughout several northeast states.
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As a result, a content strategy allows insurers to interact with the majority of their customers other than just in claims or billing situations. This greatly increases customer touch and provides the opportunity to improve the customer experience. In the near future, however, content will become commonplace and expected, while user experience will determine the winners and losers in the marketplace.
For comparison, the average annual premium in the United States is $1,555 for full coverage. Plymouth Rock offers a number of discounts to help their customers save money on their policies. The discounts that can help you save the most money are their safe driving discount and their anti-theft discount. A safe driving discount rewards drivers who don’t have any claims, accidents, or tickets on their record in recent years.
Only available to military members and veterans and their family. Plymouth Rock Assurance is a Boston-based company, founded in 1982, that provides property and casualty insurance products throughout the Northeastern United States. In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers.
SuperMoney’s financial strength rating is based, among other factors, on the average score of available ratings. With the widespread growth of personal computing devices in the U.S. increasing each year, insurance companies have begun to take notice. It’s not uncommon to see websites that outline the company’s products. As a general rule, however, when it comes to pricing policies, insureds are still referred to agents.
This will pay for the costs of transporting your car to a repair shop if it is not drivable. This will cover your expenses if you are in a crash with someone who doesn’t have insurance or doesn’t have enough insurance to cover the cost of your expenses. This coverage pays for the costs of repairing vandalism, weather damage, or anything else that might result in damage besides a collision. Tim Cawley, CCO of HeyLet’sGo, the creative agency behind the ads, is also an ASCAP songwriter and wrote the music and lyrics for the campaign’s three songs.
We broke the information down into specific driver “profiles” to give you an idea of how much someone like you would pay. Keep in mind that quotes for Plymouth Rock Insurance are the average from just the four states where it sells auto insurance, whereas these other companies include many more states due to their larger national footprints. We have reviewed the best car insurance providers in the nation and found that USAA and State Farm are great options based on affordability, technology, and customer service.
I think it is important to get price quotes and review your home insurance coverage every year with different companies, to make sure you have the right amount of coverage at a competitive price. Unlike Plymouth Rock car insurance reviews, USAA reviews are very positive. USAA has an AM Best financial strength health insurance agents near me rating of A++ and a B+ rating from the BBB. For more information about coverage, cost, and customer service, read our complete USAA insurance review. Customers can locate important information quickly and easily. The carrier provides plenty of details for customers such as a broken down claims process.
The customer service department is available at generous hours on weekdays. The carrier also has a comprehensive social media presence on Facebook, Twitter, Instagram, and LinkedIn, making them even more accessible to customers. Plymouth Rock offers many competitive discounts on their coverages, such as for auto insurance. Your independent insurance agent can help you decide if Plymouth Rock has the right type of coverage to best meet your needs.
All references to income certainty and guarantees, including optional benefits, are backed by the claims-paying ability of the issuing company and do not apply to the underlying investment options. LINK by Prudential is an umbrella marketing name for various subsidiaries of The Prudential Insurance Company of America. Prudential LINK and LINK by Prudential occasionally may be referred to as LINK.
Plymouth Rock Assurance, an east coast-based insurance company, announced that Gerry Wilson, president and CEO of Plymouth Rock Assurance Direct Group, has informed company leadership of his decision to retire. Client experiences may vary, and working with any Ameriprise financial practice is not a guarantee of future financial results. Investors should not consider the Client Experience Survey rating a substitute for their own research and evaluation of a financial practice’s qualifications.
This ensures you’re always getting the coverage you want at the best price. We sorted through Plymouth Rock car insurance reviews to find out if customers are combined insurance pleased with this provider. The optional coverage types available include endorsements for higher value personal property and identity theft protection.
Mackintire Insurance Agency
The rates and averages shown on this page should only be used as an estimate. If you have a total loss, Plymouth will pay the difference if you still owe money on the totaled car. However, you cannot combine Loan/Lease Gap Coverage with New Car Replacement or Plus One Car Replacement. This coverage will reimburse you for rental car expenses while your car is being repaired due to an accident.
Insurance rates are based on a variety of factors specific to each driver. The following table indicates how driving record and credit factors can have an impact on average Plymouth Rock rates. However, each person’s unique driving record and credit details can result in quotes that differ from the rates listed below. Some insurance companies will not write policies for condos and townhouses located near the beach or other bodies of water. As a Jersey-based company, Plymouth Rock offers complete peace of mind for our large population of coastal residents.
Equally important, insurance companies are not permitted to pay for reviews. Using innovative thinking, cutting-edge tools and expert resources at national and local levels, we deliver the best possible outcome on every policy we manage. We’ll help you understand and customize the right home insurance coverage for you. Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting five days a week and driving 12,000 miles per year. Since auto insurance rates vary widely among different profiles, we encourage you to compare options that fit your specific needs.
Rates at Plymouth Rock tend to be much more expensive than competing companies. We found that a 30-year-old driver in the Boston area can expect to pay about $1,364 per year for a basic policy, or $3,812 per year for full coverage. These both work out to be about 60% more expensive than the average among the insurers we looked at in Massachusetts, and more than twice as expensive as the cheapest options. YP – The Real Yellow PagesSM – helps you find the right local businesses to meet your specific needs. Search results are sorted by a combination of factors to give you a set of choices in response to your search criteria. “Preferred” listings, or those with featured website buttons, indicate YP advertisers who directly provide information about their businesses to help consumers make more informed buying decisions.
When compared with nationwide companies like GEICO, Plymouth Rock’s policies are slightly more expensive, particularly for married couples sharing a policy. However, their prices for single drivers are fairly reasonable. Keep in mind that pricing for car insurance varies depending on your unique customer profile. Depending on your driving history, the type of car you drive, and the coverage you need, Plymouth Rock may offer the most affordable option for your needs. You should always consider the value of the policy you are purchasing – in many cases, the cheapest policies don’t offer the coverage you would need in a serious accident.
First we're coming for the DraftKings sign. Then we're coming for the National Car Rental Sign. Plymouth Rock Insurance needs to watch the f out
— Kenny Ducey (@KennyDucey) September 27, 2021
These companies primarily insure private passenger vehicles, only in the state of New Jersey. There is a Plymouth Rock subsidiary company selling auto insurance in Massachusetts, but the MA subsidiary will not be reviewed in this blog article. Although High Point is a small auto insurance company, it has enough market share in NJ to be included in the 2012 JD Power Mid-Atlantic Region auto insurance study. I think the JD Power numerical scores are a great tool for US car & home insurance consumers, they should not be relied on as the sole reason to choose, or not to choose, an insurance company. Coverage options available, a company’s multi-year complaint history, how the company operates and services the customer, and of course, price, are also important to consider, before you select an insurance company. Once upon a time, Prudential, the large life insurance company based out of Newark, NJ, sold auto & home insurance in New Jersey, and other states.
When analyzing how a company is reviewed, the two best bets are A.M. Currently, Plymouth Rock Assurance has an A- rating from A.M. Let us now move on to the discounts Plymouth Rock Assurance offers.
Plymouth Rock Insurance is part of the regional northeastern U.S. insurance group, Plymouth Rock Group of Companies. Combined, the companies write more than $1 billion in annual auto and home insurance policies. We’ve done the research to give you an idea of the basic features, average rates, and other details, but the choice is up to you.
Plymouth Rock offers insurance in six states, including New Jersey. It’s important to know what type of insurance is required in each state. Road Rewards can provide coaching oversight self-awareness for young drivers, Boyd notes. “It can provide coaching oversight self-awareness for those young drivers as they improve, while providing rewards for good driving along the way—so there’s a whole lot of carrot, very little stick. This insurance shopping tool compares 100+ companies and prefills your quote forms.
The average Plymouth Rock Assurance salary ranges from approximately $39,572 per year for a Sales Specialist to $158,021 per year for a Product Manager. Plymouth Rock Assurance employees rate the overall compensation and benefits package 3.8/5 stars. When adding Plymouth Rock to their Bills & Accounts List, doxo Users indicate the types of services they receive from Plymouth Rock, which determines the service and industry group shown in this profile of Plymouth Rock. Due to the changing circumstances around COVID-19, it’s important to know how your auto insurance might be affected. Read our tips about auto insurance and COVID-19 to find out more. Plymouth Rock has another mobile app called RoadRewards that lets policyholders collect points toward rewards for driving safely.
On average, Safety Group charges approximately $132.56 per month while Plymouth Rock Assurance comes in at around $135.45 per month. For Safety Group, the cheapest state average is New Hampshire at $113.52 per month and the most expensive is Massachusetts at $135.20 per month. Plymouth Rock Assurance sells car, homeowners and renters insurance in 6 states and motorcycle insurance in 1 state. See the state Plymouth Rock Assurance sells in below and click the link to see how Plymouth Rock Assurance compares to the other top companies in that state. Age is typically a major consideration for insurance providers.
- ValChoice is the only company that rates every auto insurance company and home insurance company in each state where they do business.
- Additional products from Plymouth Rock insurance also includes Condo and Umbrella insurance.
- This insurance protects the items in your home, like your furniture.
- This compensation may impact how and where products appear on this site .
- Judas Priest singer Rob Halford is the star of a new ad campaign for the insurance company Plymouth Rock Assurance.
For more than 12 years, growth stocks have been the talk of Wall Street. Historically low lending rates and dovish monetary policy from the nation’s central bank have paved the way for fast-paced companies to borrow at attractive rates. A study from Bank of America/Merrill Lynch found that value stocks delivered an average annual return of 17% between 1926 and 2015, which compared to a 12.6% annual return for growth stocks over the same period.
Existing users can get a discount, but coverage is only offered in Arizona for now. Take control of your money stress by learning to prioritise and plan your financial goals. Roslyn McKenna is an insurance expert who’s driven to help people get a great deal on insurance to protect their families and finances. Roslyn earned a BA in writing and communications from Maryville College and has written professionally for more than a decade, showing up on Bankrate, MSN and Reader’s Digest. Plymouth Rock and Quotemehappy.com via Aviva signal companies that implemented a direct-to-consumer strategy in an attempt to address a change in the market. The second-worst-kept secret of the year, after the launch of Google Compare in the U.S., is Berkshire Hathaway announcing its plans to sell insurance directly to business owners over the web.
PR was a great company to work for, with a clear culture of transparency and true focus on customer service. I really wish the openness from the top would have disseminated to middle manahement. As one of the smaller insurers with a limited customer pool, Plymouth Rock strives to earn its customers’ trust through the best policies, rates, and personal service.
He served on the Board of Directors of The Boston Globe Newspaper Corporation from 1998 to 2006, and for five years as vice chairman of GlobalPost, a web-based international news service. Stone was a founder of Cat Limited, a Bermuda reinsurer, and Response Insurance as well as Homesite Group Inc., which is now among the nation’s largest home insurers with $2.0 billion in annual homeowners premiums. Cathleen Douglas StoneChildren2James M. Stone is an American business executive. Jim Stone is the founder and CEO of Boston-based Plymouth Rock Assurance Corporation and chief executive of its holding company, The Plymouth Rock Company.
There is also the potential to leave life insurance benefits to heirs. Traditional defined-benefit pensions do not provide that option. See how a life insurance policy from Prudential can help you and your loved ones prepare for what’s next. At Plymouth Rock, we provide insurance with a human touch. It also means you’ll receive the best possible coverage and service, from employees who live and work right in your town.
To view a full list of products that are available, visit Plymouth Rock Assurance and Kemper Insurance page. Below is a list of the average rates that drivers typically pay with Plymouth Rock Assurance and Kemper. On average, Plymouth Rock Assurance charges approximately $135.45 per month while Kemper comes in at around $ per month.
Flood insurance is a policy sold separately from a homeowners insurance policy. In some instances, like a burst pipe, home insurance may cover the bill but in cases of severe flooding caused by natural disasters, you need flood insurance. Offers tiered auto insurance protection options, which are more economical than buying a la carte. 127 user reviewsThe Plymouth Rock Mobile app allows access to your policy, 24 hours a day, 7 days a week.
There is no need to make any phone calls or navigate a confusing company website. You can start the process by opening our platform in your web browser. Even if you don’t have all the information, the company encourages you to file a claim since you can update it if or when the data becomes available.
If you have a claim covered by comprehensive or collision coverage, this pays for temporary transportation expenses. If you need medical treatment after an accident, this option lets you see your regular medical provider. Insure your home with subsidiary Bunker Hill Insurance and your car with Plymouth Rock, and you’ll earn a discount.
Policies and coverage vary by state, so it’s best to consult with Plymouth Rock agents for specifics. Plymouth Rock offers a wide selection of home insurance packages, suitable for many lifestyles and budgets. Product name, logo, brands, and other trademarks featured or referred to within our site are the property of their respective trademark holders.
To be sure, other telematics data business models have emerged that could threaten OEM/insurer partnerships. IBM can also collect data from other OEMs over time, and BMW plans to expand the program to other markets. And technology companies, including Automatics Labs and Otonomo, are seeking consumer consent to sell data through their exchange platforms.
— 107.5 DAVE Rocks (@1075daverocks) September 28, 2021
Plymouth Rock car insurance has a complaint ratio of 0.87. Plymouth Rock policies follow the ISO standard forms, the same forms used by most of the industry, which makes it easy for youto compare coverages. They offer standard add-ons, such as water back-up, mold coverage, and scheduled jewelry coverage. They were one of the first carriers to roll out the one-click purchase for home insurance policies .
No Accident Discount – This discount rewards loyal customers who go without an accident for five years. Pay-In-Full Discount – If you pay for your premium upfront instead of month to month, Plymouth Rock will take a percentage off of the total cost. Online Services – You can pay your premiums and manage your policy online.
We at Plymouth Rock Assurance have made it our mission to give our customers the highest level of care and satisfaction. Plymouth Rock has fewer reviews and ratings online than many providers but seems to have mostly positive feedback. However, they do fall below average in certain studies and third party reviews. There is also the option to upgrade to the Assurance Preferred or Assurance Premier packages, which offer benefits such as roadside assistance, loan/lease gap coverage and waivers for depreciation. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we’re putting accuracy first.
While Plymouth Rock has not been around for nearly as long as many carriers today, the carrier offers quality coverage to all kinds of insurance customers located in five different states. Best and the BBB, and its parent company has demonstrated excellent financial stability. Plymouth Rock provides 24/7 claims reporting and a mobile app for its customers, making for an overall very user-friendly experience. The carrier offers several discounts, and customers report having found the most affordable rates through Plymouth Rock when compared to other companies.
The average Plymouth Rock Assurance salary ranges from approximately $39,180 per year for Customer Service Representative to $167,000 per year for Director of Financial Planning and Analysis. Average Plymouth Rock Assurance hourly pay ranges from approximately $12.00 per hour for Energy Consultant to $44.72 per hour for Customer Support Representative. Find 2 listings related to Plymouth Rock Insurance in West Springfield on YP.com.
By 1905, Prudential had 6.49 million policies and $102.38 million in assets. Over the next century, Prudential expanded its offerings to mortgage policies, residential real estate, and other programs. The company sold its healthcare division, Prudential HealthCare to Aetna in 1999. Therefore, Prudential does not underwrite or administer health plans or health insurance policies.
Participation in this program can earn you a discount of up to 20 percent on your premiums. Auto Insurance StudySMsurveyed thousands of insurance customers in each region of the country to find out which brands were best. Plymouth Rock ranked tenth in the Mid-Atlantic region with a score of 827 out of 1,000. Additional Plymouth Rock coverage includes liability, medical payments, uninsured motorist and comprehensive collision insurance. See reviews below to learn more or submit your own review. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
Hi Sam, it's a bit complicated so unfortunately I can't give you a straight answer. I'd recommend getting a free quote for auto insurance on our website and then an agent can assist you further. Thanks, AI
— Plymouth Rock (@PlymouthRock) October 4, 2021
Best’s ratings system allows them to make an informed decision about who they can trust to meet their needs in the short term, and also who remains a strong, financially sound insurance company in the long term. See how Pemco and Plymouth Rock ranked among the industry ratings. See how Hartford and Plymouth Rock ranked among the industry ratings. See how Plymouth Rock and Kemper ranked among the industry ratings. See how Safety Group and Plymouth Rock ranked among the industry ratings. Whether it is in response to an insurance claim or general insurance question, we want to provide you with the best possible experience.
It is always for the best you know your state’s laws before getting behind the wheel. For example, here are the Massachusett’s government’s driving laws. Overall, many of the people you speak to are oddly enthusiastic about working in an insurance call center, calling it the “best p&c insurance job they’ve ever had,” while regularly adding that they aren’t told to say that. I think they need to rework the training schedule, and hire a second trainer, as their current one has to go between multiple training classes and really only trains you around 60% of the time anyway.
Malicious prosecution — If you are counter-sued for wrongfully prosecuting someone, you can be left holding an expensive legal bill that a personal umbrella policy can cover. Rider Insurance offers coverage for Standard Road and Street Motorcycles, UTV, ATV/Off-Road, Sport-High Performance and Scooters. Advance Quote – Discounts for policyholders who get a quote from Plymouth Rock more than 7 days in advance of their effective date on their policy.
“Plymouth Rock is known across the Northeast as a leading auto and home insurance provider. Before you purchase life insurance, be sure to consider the policy’s features, benefits, risks and fees, and whether it is appropriate for you, based upon your financial situation and objectives. Variable life insurance is a complex investment vehicle that is subject to market risk, including the potential loss of principal invested. Long-term or chronic care riders, available at an additional cost, may also be added to life insurance policies, allowing you to access a portion of your policy’s benefit early for care expenses. Whether you’re looking for auto, homeowners, life, or specialty coverage, we will help you select the right products to fit your insurance needs.
Additional products from Arbella insurance also includes , Condo, and Motorcycle Insurance. To view a full list of products that are available, visit Arbella engagement ring insurance Insurance Group and Plymouth Rock Assurance Insurance page. Below is a list of average rates, rankings, products and discounts for the two companies.
Unfortunately, the costs are higher than what many competitors offer, and Plymouth Rock is only available in six states. Overall, we give Plymouth Rock home insurance a score of 87 out of 100 on metrics like coverage, availability, and more. If you live in California, Hawaii, or Massachusetts, a car insurance company is not allowed to use your credit report as a rating factor. It is safe to assume that, when legal, a car insurance company will use your credit score as a rating factor. Plymouth Rock provides a good selection of coverages, including homeowners insurance.
Quotemehappy.com occupies the left extreme of selling directly to consumers. A spin-off of Aviva since 2011, the online insurer only provides phone support if a customer has a claim. Then there are the Geicos of the world, where insurers offer the convenience of buying on the web with the assurance of speaking to an agent, when needed.
If you’re an existing policyholder, your agent’s details are on your policy documents as well as your member portal. After an accident, this helps to pay for medical and funeral expenses up to the coverage limits you select. Also known as Other Than Collision coverage, this pays for the loss or damage to your car caused by things like fire, floods, hailstorms, vandalism and theft.
For full company overviews, you can visitHartford Overview and Plymouth Rock Assurance Overview. What coverage is available through Plymouth Rock and Kemper? Both insurance companies offer Auto, Commercial, Condo, Home, and Renters insurance. Additional products from Kemper insurance also includes Health, Life, and RV insurance.
Geico is one of few carriers that will offer you an affiliation discount. To help you find the best auto insurance in Massachusetts, Geico also offers military, bundling, and car-safety discount options. This is Plymouth Rock’s residual market auto insurance company, which insures drivers not qualifying for standard auto insurance, due to their driving record, or other factors.
You deserve to know if the insurance you are buying is going to protect you. Read our Consumer Reviews to find out what others are saying, and click here to get your Valchoice Rating showing what data collected from insurance departments says about Plymouth Rock Assurance Company. We also believe reading what other consumers say can be helpful.
If you purchase this coverage, the Comprehensive Deductible will not be applied for glass only claim. It covers bodily injuries to a third party in an accident that was deemed your fault. Plymouth Rock Assurance is the New England Patriots Official Auto Insurance Program. Stone is also a member of the Administrative Committee of Lindsay Goldberg, a New York-based private equity investment firm.
To ensure you have the most up to date information, you should verify relevant information with the product or service provider and understand the information they provide. If you are unsure, you should get independent advice before you apply for any product or commit to any plan. Enter your city, state or ZIP code, and a list of local agents will pop up.