I appreciate the prompt service I get whenever I call the office. An agent always seemed to be available to answer my questions.

Crystal H., customer since 2013

The Hess Agency
2019-12-18T14:44:51-06:00

Crystal H., customer since 2013

I appreciate the prompt service I get whenever I call the office. An agent always seemed to be available to answer my questions.
"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

The Hess Agency
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!"
Enjoy working with Lisa True. She is very prompt in answering our questions or concerns via phone or e-mail.

John D., customer since 2014

The Hess Agency
2019-12-18T14:48:27-06:00

John D., customer since 2014

Enjoy working with Lisa True. She is very prompt in answering our questions or concerns via phone or e-mail.
"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

The Hess Agency
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!"
"Great service, great insurance for all ages from 20 yrs to 60 yrs still great."

Curvin R., customer since 1995

The Hess Agency
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."
"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

The Hess Agency
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."
Zach Caruso is always helpful and efficient in answering my many questions and tailoring the solutions to my needs.

Hazel G., customer since 2016

The Hess Agency
2019-12-18T14:49:04-06:00

Hazel G., customer since 2016

Zach Caruso is always helpful and efficient in answering my many questions and tailoring the solutions to my needs.
"Stays on top of things; offering suggestions to improve coverage and protect my assets"

Customer Since 1994

The Hess Agency
2019-08-30T22:54:34-06:00

Customer Since 1994

"Stays on top of things; offering suggestions to improve coverage and protect my assets"
Jenna Strayer has always been responsive to my questions and needs.

Kenneth H., customer since 2016

The Hess Agency
2019-12-18T14:47:40-06:00

Kenneth H., customer since 2016

Jenna Strayer has always been responsive to my questions and needs.
"Always handles our questions and claims promptly and thoroughly. Very easy to work with."

Customer since 2000

The Hess Agency
2019-08-30T23:00:15-06:00

Customer since 2000

"Always handles our questions and claims promptly and thoroughly. Very easy to work with."
"Super welcoming and friendly!"

Customer since 2018

The Hess Agency
2019-08-30T22:56:28-06:00

Customer since 2018

"Super welcoming and friendly!"
"We have always had quick responses when filing a claim."

George M., customer since 1995

The Hess Agency
2019-08-30T23:02:42-06:00

George M., customer since 1995

"We have always had quick responses when filing a claim."
"Let’s just say I have no reason to change for the last 28 years."

Clair L., customer since 1991

The Hess Agency
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."
"Professional, knowledgeable, accomodating & friendly staff. Offers different insurance options to choose the best provider, coverage & price."

Patricia T., customer since 2016

The Hess Agency
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."
"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

The Hess Agency
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"
Working with Sherri Seiders is always a pleasure and she takes care of what I need right away.

Customer since 2004

The Hess Agency
2019-12-18T14:46:11-06:00

Customer since 2004

Working with Sherri Seiders is always a pleasure and she takes care of what I need right away.
"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

The Hess Agency
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!"
You were so helpful when I had my accident. You covered all my expenses concerning the accident. I was so thankful that I had good coverage and such thoughtful agents to work with. Mentally it was a relief.

Customer since 2008

The Hess Agency
2019-12-18T14:46:53-06:00

Customer since 2008

You were so helpful when I had my accident. You covered all my expenses concerning the accident. I was so thankful that I had good coverage and such thoughtful agents to work with. Mentally it was a relief.
"Hess Agency has handled our home & auto policies for 25 years. We started a remodeling business 6 years ago & now they handle our commercial needs. I'm very happy with all they've done for us."

Duane G., customer since 1994

The Hess Agency
2019-10-21T06:27:26-06:00

Duane G., customer since 1994

"Hess Agency has handled our home & auto policies for 25 years. We started a remodeling business 6 years ago & now they handle our commercial needs. I'm very happy with all they've done for us."
"You were prompt...and thorough and took care of a title matter quickly."

Customer since 2015

The Hess Agency
2019-08-30T23:04:20-06:00

Customer since 2015

"You were prompt...and thorough and took care of a title matter quickly."
"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

The Hess Agency
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"
"Hess provides excellent customer service."

Barry F., customer since 2004

The Hess Agency
2019-08-30T22:55:24-06:00

Barry F., customer since 2004

"Hess provides excellent customer service."
"The agents were helpful and pleasant when I called asking for help/info."

Customer since 2002

The Hess Agency
2019-08-30T22:55:01-06:00

Customer since 2002

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

The Hess Agency
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."
I have been doing business with the Hess Agency for over 30 years and have received exceptional service and quality insurance at the best prices. Business, Home & Auto.

Kenneth S., customer since 2004

The Hess Agency
2019-12-18T14:45:37-06:00

Kenneth S., customer since 2004

I have been doing business with the Hess Agency for over 30 years and have received exceptional service and quality insurance at the best prices. Business, Home & Auto.
"Trevor did a wonderful job of handling our needs with both Auto and Home. He explained everything very well."

Gerald B., customer since 2019

The Hess Agency
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."
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The Hess Agency

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.