Life insurance has been around in some form for centuries, but the concept of modern life insurance as we know it today originated in England in the 17th century. The first life insurance company, the Amicable Society for a Perpetual Assurance Office, was founded in London in 1706. The company offered life insurance policies to provide financial protection for families of deceased members.
 
The primary reason for the invention of life insurance was to provide financial security to families in the event of the primary breadwinner's death. Before the advent of life insurance, families would have to rely on charity or the support of relatives if the breadwinner died. The creation of life insurance allowed families to protect themselves from financial hardship in the event of the primary breadwinner's death.
 
Initially, life insurance policies were sold only to the wealthy, as the cost of premiums was high. However, over time, life insurance became more accessible to the middle class, and it is now a widely used financial product that provides financial protection to millions of people worldwide.
  

Life insurance is a financial product designed to provide a death benefit to the beneficiaries of the policyholder upon their death. It is essentially a contract between the policyholder and the insurance company, where the policyholder agrees to pay a premium in exchange for the promise of the insurer to pay a lump-sum amount to the beneficiaries upon the policyholder's death.
Choosing the right life insurance policy depends on several factors, such as the policyholder's age, health status, financial goals, and the needs of their beneficiaries. There are several types of life insurance policies to choose from, and each has its unique features and benefits. The three main types of life insurance policies are:
 

1. Term life insurance: This type of policy provides coverage for a specific period, typically 10, 20, or 30 years. It is the most affordable type of life insurance, and the premiums are fixed for the term of the policy. Term life insurance is ideal for people who need coverage for a specific period, such as those with young children or a mortgage.
2. Whole life insurance: This type of policy provides coverage for the policyholder's entire life, and the premiums are typically higher than term life insurance. A portion of the premiums is invested by the insurer, and the policyholder can borrow against the cash value of the policy. Whole life insurance is ideal for people who want lifelong coverage and the option to build up cash value.
3. Universal life insurance: This type of policy provides coverage for the policyholder's entire life, and the premiums and death benefit can be adjusted. A portion of the premiums is invested by the insurer, and the policyholder can borrow against the cash value of the policy. Universal life insurance is ideal for people who want flexibility in their coverage and premiums.

 
To choose the right life insurance policy, the policyholder should consider their financial goals and the needs of their beneficiaries. For example, if the policyholder wants to ensure their children's education expenses are covered, they may opt for a term life insurance policy that covers the period until their children graduate. If the policyholder wants to leave a legacy to their beneficiaries, they may opt for a whole life insurance policy that provides lifelong coverage and builds cash value over time.
 
The policyholder should also consider their budget when choosing a life insurance policy. Term life insurance is typically the most affordable option, while whole and universal life insurance policies have higher premiums.
In addition to choosing the right type of policy, the policyholder should also choose a reputable insurer with a good track record of paying claims. The policyholder should research the insurer's financial strength and read reviews from other policyholders to ensure they are making an informed decision.
 
Overall, choosing the right life insurance policy requires careful consideration of the policyholder's financial goals and the needs of their beneficiaries. It is essential to do research and consult with a financial advisor to ensure the policyholder makes an informed decision that provides the desired level of protection and meets their budget constraints.
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Life insurance premiums are based on several factors, including the policyholder's age, health, and lifestyle. Generally, the younger and healthier a person is, the lower their life insurance premiums will be. Here are some tips to help you get the best price for life insurance based on your age:
 

1. Buy life insurance while you are young: Life insurance premiums increase as you get older. The longer you wait to buy life insurance, the more expensive it will be. If you are young and healthy, consider buying a term life insurance policy with a long term, such as 20 or 30 years. This will lock in your premium at a lower rate for the duration of the policy.
2. Maintain a healthy lifestyle: Insurers look at your health and lifestyle factors when determining your life insurance premium. Maintaining a healthy lifestyle, such as exercising regularly, eating a balanced diet, and avoiding tobacco and excessive alcohol consumption, can help you get a lower premium.
3. Shop around: Different insurers offer different rates, so it's essential to shop around and compare quotes from multiple insurers. Consider working with an independent insurance agent who can provide you with quotes from multiple insurers to help you find the best price for your coverage.
4. Consider a group policy: Some employers offer group life insurance policies as part of their benefits package. These policies may be less expensive than purchasing an individual policy on your own, so it's worth considering if it's available to you.
5. Consider a term policy: Term life insurance policies are typically less expensive than permanent policies, such as whole life or universal life insurance. Consider purchasing a term policy if you are looking for affordable coverage.

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Overall, the key to getting the best price for life insurance based on your age is to start early, maintain a healthy lifestyle, shop around, and consider your options carefully before choosing a policy.

Nestlé has just sold Gerber Life Insurance, to Western & Southern Financial Group.  the sales price is $1.55 billion.

W&S (Western & Southern) has a number of financial services businesses.  W&S will have a long-term license for Gerber IP, related to financial services.  Transaction is subject to approval by New York regulators.

The Gerber brand is known for kids and family life insurance.  In 2017, Gerber had sales of $856 million.

W&S has $52 Billion in insurance currently, with 3.6 million policies.  After the purchase, W&S will have $77 billion in assets under management.  W&S CEO, John Barrett, said, "We aredelighted to welcome Gerber Life to our family. This iconic and trusted consumer brand is a compelling fit for Western & Southern, which has always been a human institution serving human needs with tailored financial solutions that are easy for our clients to understand. Our two companies share a common mission of providing financial strength and security to the ones we love. Having a long-term relationship with a venerable company like Nestlé that has similar values was an important aspect in our acquisition of Gerber Life.”

Gerber has 500 employees, and most will be retained.  W&S will not be acquiring the Gerber products business, which sells baby food and babe care products.  Nestle is evolving, as good businesses tend to do; they are investing in their core business areas hwich are food and beverage, and consumer health.

There are many places called Creson Insurance - both agents with last name of Creston, and for agents in cities called Creson - in various US states.  But the best way to find insurance, is to just use a search engine!
 

 
​We worked with Google to create a Custom search engine - where all of the results are focused on Life Insurance.  So you get better results.   You can search for Life insurance, Health insurance, Car insurance, Disability insurance, and more.  

Good luck in your search for insurance!

There are many insurance agents named 'Levesque', in various US states.  But the best way to find insurance is to just use an internet search.  We have our own, Custom search engine - it is custom because, we worked with Google so that the search results are more focused on just insurance!  Our search results are better!  Try it now:
 

 
Whether you are looking for life insurance, health insurance, car insurance, disability insurance, or other types - you can find it with our search engine.  Everyone should have health insurance, and if you have children or assets like a home, you really need to have life insurance, too.

There are several insurance companies called 'Plesshaire' or 'Pless Haire', in various US states.  The easiest way to find insurance is to just use a search engine.  But our search engine below is better - it is a Custom search engine, where all results are focused on insurance.   You will find more results that are relevant.  Give it a try!
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​Everyone needs health insurance, and most adults should also get life insurance.  You can also use our website to get a life insurance quote - and we are very discreet.

Good luck in your insurance search!

There are many insurance agents in Olympia.  You can use Google search to find them.  It depends on which Olympia you live in; many states have a city called Olympia!  We have a custom search engine that has more insurance results than a regular search box:
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​If you have any questions about life insurance in Olympia, please email us.

You can find life insurance, health insurance, car insurance, and more.