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07/15/2017
By: Rodney G.
Rhonda Kimbrough - State Farm Insurance Agent
My wife and I have been with Rhonda Kimbrough for 27 years and she is like our best friend. She has taken care of our family during good times and bad. We appreciate all the hard work and sacrifices she has made for her clients. Rhonda is a true professional and State Farm is very lucky to have an honest person with integrity who works for the people of Amarillo and the surrounding cities. Thanks Rhonda, Rodney and Diana
05/22/2013
By: fikris
Farmers Insurance
WOW! I'm so glad we switched! Now that we are with Lupe I know that I have better coverage, she helped me to understand my policy. Not only did she save me $65 a month but she doubled my coverages. I feel like if I ever need her I could call her on her cell anytime. Thank you so much Lupe!
08/26/2016
By: Jentry M.
Texas Heartland Insurance
Very happy with this company. I transferred from State Farm and I got more coverage for a lower price! PLUS...I added a teenage driver. Big Savings!
03/08/2017
By: cdk1950
Brooks, Alice
Correct phone number. 806 359-9799. ThanksThe company must be livid! So why it's so hard to get phone number corrected
01/24/2017
By: Davis D.
Apex Low Cost Insurance
Look, If you want good insurance at an affordable price, just call these guys.... They will work for you.....
01/21/2015
By: Ron S.
Allstate Insurance Agent: Ron Schroeter
You stay classy Amarillo. Ps Texas Surety title bonds are no problem to get for you in a jif.Ron
10/09/2013
By: pottsins
Burr Insurance Agency
Was really good to work with
Tips & Advices
There are many different providers and plan types, so  shopping for life insurance can be complicated. The first step involves understanding the type and amount of life insurance you need. From there, use online tools or contact local insurance agents to get quotes on rates and learn about how to apply.
The cost of a life insurance policy is determined by two things: the guaranteed benefit amount and the individual risk of the policyholder. The latter is more complicated, and includes many  factors, including health, age, and  occupation. As of May 2017, a 30-year-old woman purchasing a 20-year, $250,000 term life policy can expect to pay about $141 per year. For comparison, a 60-year-old woman purchasing the same policy can expect to pay $1,033 per year. Since women have longer life expectancy on average than men, the latter can expect to pay slightly more. The same 20-year, $250,000 term policy will cost a 30-year-old man $156 per year on average.
Certain specialized policies may provide income replacement in the event of disability, disease, or another situation where it may be impossible to work and medical expenses are high. One common alternative is known as an “accidental death and dismemberment” policy. AD&D policies work similarly to term life plans, but will only pay out death benefits when a fatality is caused by an accident, or if the policyholder loses a limb or the ability to see or hear. Death from a heart attack or cancer, for example, is usually not covered by AD&D, but these policies might offer lower premiums than a standard term plan.
Many adults with children choose to buy a term life plan that covers them from the birth of a child until they turn 18, which is often the most cost-effective way to insure against the risk of income loss from unexpected death. While it  is possible to save enough cash or invest to provide even more funds in case of such an emergency, investing is subject to more risk of loss than a life insurance plan, and accumulating enough savings to provide a sizeable safety net can be difficult.
Whole life and universal life plans are each considered a type of “permanent life insurance.” Universal life is often similar in concept to whole life, but offers more flexibility in premium payments and cash withdrawals. For example, you might be able to temporarily pause or reduce premium payments at any time under a universal policy. It’s also often possible to borrow from what you’ve already paid into the plan or against a guaranteed death benefit in the form of a loan.

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