"Used Hess Agency for 20 years. Car, home, atv, cycle, & boat insurance and treated very well, were timely, & always got the insurance I needed!"

Gregory B., customer since 2003

2019-08-30T23:11:48-06:00

Gregory B., customer since 2003

"Used Hess Agency for 20 years. Car, home, atv, cycle, & boat insurance and treated very well, were timely, & always got the insurance I needed!"
"Trevor did a wonderful job of handling our needs with both Auto and Home. He explained everything very well."

Gerald B., customer since 2019

2019-08-30T23:08:14-06:00

Gerald B., customer since 2019

"Trevor did a wonderful job of handling our needs with both Auto and Home. He explained everything very well."
"We have always had quick responses when filing a claim."

George M., customer since 1995

2019-08-30T23:02:42-06:00

George M., customer since 1995

"We have always had quick responses when filing a claim."
"I'm happy with the professionalism of your staff and appreciate working with Lisa. Thanks for the caring interest in my insurance needs."

Customer since 2006

2019-08-30T22:57:19-06:00

Customer since 2006

"I'm happy with the professionalism of your staff and appreciate working with Lisa. Thanks for the caring interest in my insurance needs."
"Super welcoming and friendly!"

Customer since 2018

2019-08-30T22:56:28-06:00

Customer since 2018

"Super welcoming and friendly!"
"Great service, great insurance for all ages from 20 yrs to 60 yrs still great."

Curvin R., customer since 1995

2019-08-30T22:58:46-06:00

Curvin R., customer since 1995

"Great service, great insurance for all ages from 20 yrs to 60 yrs still great."
"Always handles our questions and claims promptly and thoroughly. Very easy to work with."

Customer since 2000

2019-08-30T23:00:15-06:00

Customer since 2000

"Always handles our questions and claims promptly and thoroughly. Very easy to work with."
"Honestly you gave me options for my custom situation that I had trouble finding other places. That was very helpful!"

Luke W., customer since 2018

2019-08-30T23:08:40-06:00

Luke W., customer since 2018

"Honestly you gave me options for my custom situation that I had trouble finding other places. That was very helpful!"
"You were prompt...and thorough and took care of a title matter quickly."

Customer since 2015

2019-08-30T23:04:20-06:00

Customer since 2015

"You were prompt...and thorough and took care of a title matter quickly."
"Professional, knowledgeable, accomodating & friendly staff. Offers different insurance options to choose the best provider, coverage & price."

Patricia T., customer since 2016

2019-08-30T23:01:51-06:00

Patricia T., customer since 2016

"Professional, knowledgeable, accomodating & friendly staff. Offers different insurance options to choose the best provider, coverage & price."
"Hess provides excellent customer service."

Barry F., customer since 2004

2019-08-30T22:55:24-06:00

Barry F., customer since 2004

"Hess provides excellent customer service."
"Prompt service when I am doing a building permit app & need a certificate of insurance I usually have it in minutes of the request. Keep it up"

Elmer Z., customer since 2002

2019-09-13T07:16:16-06:00

Elmer Z., customer since 2002

"Prompt service when I am doing a building permit app & need a certificate of insurance I usually have it in minutes of the request. Keep it up"
"Let’s just say I have no reason to change for the last 28 years."

Clair L., customer since 1991

2019-08-30T23:01:08-06:00

Clair L., customer since 1991

"Let’s just say I have no reason to change for the last 28 years."
"As a realtor, I recommend the Hess Agency to my clients as the coverage is great, rates are low & the staff is very friendly and knowledgeable!"

Nathan S., customer since 2011

2019-09-13T07:11:23-06:00

Nathan S., customer since 2011

"As a realtor, I recommend the Hess Agency to my clients as the coverage is great, rates are low & the staff is very friendly and knowledgeable!"
"Steve Faus is very knowledgeable in the Insurance Business, like seeing an old friend, who I totally trust in his advice"

Richard A., customer since 2014

2019-08-30T22:56:51-06:00

Richard A., customer since 2014

"Steve Faus is very knowledgeable in the Insurance Business, like seeing an old friend, who I totally trust in his advice"
"The Hess Agency has been my company since 1983, they're always friendly and courteous when I call, nothing but excellent service from them."

Cheryl K., customer since 1983

2019-08-30T22:58:24-06:00

Cheryl K., customer since 1983

"The Hess Agency has been my company since 1983, they're always friendly and courteous when I call, nothing but excellent service from them."
"Stays on top of things; offering suggestions to improve coverage and protect my assets"

Customer Since 1994

2019-08-30T22:54:34-06:00

Customer Since 1994

"Stays on top of things; offering suggestions to improve coverage and protect my assets"
"The agents were helpful and pleasant when I called asking for help/info."

Customer since 2002

2019-08-30T22:55:01-06:00

Customer since 2002

"The agents were helpful and pleasant when I called asking for help/info."

Life Insurance Terms

Beneficiary The person (or organization) to whom the policy proceeds will be paid.

Conversion The change from one type of coverage to another, i.e., from term to a whole or universal life policy.

Conversion Privilege An optional policy provision, which allows you to change to a different type of insurance without having to prove good health.

Guaranteed Insurability An optional life insurance policy provision that obligates the company to insure your life in the future, regardless of changes in your age or health.

Level Term A non-permanent life insurance policy with a fixed benefit and premium for a specified period of time.

Permanent Insurance Think of this as a savings account with a life insurance component. A portion of your premium funds the death benefit, while the excess accumulates for your use later.

Rider A rider is a change to a life insurance policy. In other forms of insurance it’s known as an endorsement.

Waiver of Premium An optional life insurance provision that guarantees the continuation of your life insurance protection if you become disabled and unable to pay future premiums.

Whole Life A type of life insurance that builds a cash value over time. Interest accrues at a fixed rate, stated at the time of application. Cash value can be decreased by the payment of premiums on behalf of the policy owner.

Universal Life A form of permanent insurance that permits adjustments to death benefit and premiums. The policy may lapse if cash value is insufficient to pay the premiums.

Term Insurance A generic form of temporary life insurance. Premiums for term policies may appear to be lower, but the protection only lasts for a pre-determined peried of time and no cash value accumulates.

These definitions are offered as aids to understanding. They do not change the formal definitions found within any insurance policies.

We give our best at all times. We treat our clients, employees, and suppliers with respect.
We guard and conserve our clients' resources as we guard our own. We live up to our commitments.