Add spaces: Hehadspokentothedoctoronthetelephone.

Answer: He had spoken to the doctor on the telephone.

Add spaces: Ifyoudidnotpaytaxtothecommunity,wewouldnothaveanyparks,roads,etc.

Answer: If you did not pay tax to the community, we would not have any parks, roads, etc.

Add spaces: Visitinsurancecompaniespersonallytopayyourpremiumsoryoumightopenupyourselftofraudsfromagents.

Answer:
Visit insurance companies personally to pay your premiums or you might open up yourself to frauds from agents.