Cincinnati Insurance in Birmingham, Alabama with Reviews - YP.com
10/23/2014
By: Zeke E.
Allstate Insurance Agent: Breck Price
The Breck Price Allstate Agency is an outstanding organization. This agency has serviced all of my personal insurance needs for several years, as well as manage my retirement and college savings plans for the kids. I have an extensive list of insurance policies written through the Price agency...to include home, multiple autos, motorcycle, boat, utv, utility trailers, long term disability, umbrella liability, etc.... Connie, Chase, Breck, Keith and support staff are very knowledgeable about the services and products offered through Allstate....they are top notch people I trust and value their opinions and honesty. I do not feel "pressured" to buy something I do not need.....I can rely on honest recommendations based on my current needs. I have been with "other" top rated insurance companies in the past, only to be disappointed when I actually needed to use the insurance I'd been paying for over several years. I actually pay substantially less with the Price/Allstate agency, than I have with other top rated providers. I'm not saying Allstate is the least expensive insurance offered....however, this is one of those "you get what you pay for" type examples. I have unfortunately had to file a few claims over the years and have been extremely satisfied with the claims process....and the prompt attention provided to accommodate my needs. I honestly could not be more satisfied with the quality of service I have received from the Breck Price Allstate Agency.
06/06/2017
By: Meteor M.
Robbyn Walker - COUNTRY Financial Representative
I have absolutely loved working with Robbyn. You can tell that she cares about the RELATIONSHIP when it comes to doing business. She went out of her way several times to help me get more coverage for less money that the company that i was with before. Previously, i was with State Farm and had a lot of trouble communicating with my rep. I essentially felt like a number to them. Complete opposite experience with Robbyn. I highly Recommend doing business with her!
09/20/2016
By: Willie J.
Commercial Sector Insurance Brokers
Good service, i like itA basic auto insurance policy usually includes six types of auto insurance coverage to make sure every driver has just what they need, at the very least. They provide the broadest protection for the most common events for which you would file a claim.Make a trip to the Holy Land And return forever transformed. thanks
09/27/2015
By: Latrecia D.
Benefit Solutions School Of Insurance
"I highly recommend Benefit Solutions School of Insurance with LaTrecia Durrough for passing Insurance exams. Ms. Durrough shared real experiences with me while reviewing all the required terms and laws I would need to pass my test the first time!" ~ Tanya S. Knight"
06/20/2017
By: Charles G.
Theo Hawthorne - State Farm Insurance Agent
Very professional and caring staff. They go out of their way show that you are appreciated. I have been doing business with this office for over ten years when we transferred here from Texas
10/03/2014
By: koppna
Farmers Insurance - Jerry McGaha
Patti is a great person to have on your side for all your insurance needs. She really knows what she is doing and goes the extra mile to take care of her clients.
09/04/2014
By: Jeff H.
Michael O'Neal: State Farm Insurance Agent
A great experience! The office staff were friendly, professional, and knowledgable. I was very pleased with the quote I received and savings offered!
09/16/2016
By: William P.
Allstate Insurance Agent: Tyler Baxter
Tyler is the consummate professional. He's very knowledgable and has our best interest in mind - a real pleasure to work with
02/22/2016
By: Rona W.
Michael O'Neal: State Farm Insurance Agent
"Great customer services, very professional, very friendly and staff is great and knowlegable and wonderful.
05/06/2013
By: sbsbsb
Michael O'Neal: State Farm Insurance Agent
All of our insurance needs are met by Michael O'Neal, we even secured a line of credit through State Farm...
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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