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02/09/2015
By: Monique J.
Jack English - State Farm Insurance Agent
Jack English and his staff specifically Jan and Randal are the epitome of the commercial "Like a Good Neighbor State Farm Is There". No matter what I need his staff is always there to help me. I have called during their non working hours or emailed them and they always got back to me within 24 hours. Even during their working hours they are always there to assist me with various questions that I have and always share with me any options that I could benefit from. I have been a customer of State Farm for over 10 years at a different location and joined Jack English location 2 years ago. Switching over to Jack English and his team is the BEST decision I could have made. They are the definition of Customer Service and provide true Southern Hospitality. I would recommend them to any and everyone. If you are looking for great service and want to know your are getting great value for you money go to Jack English and his team they will treat you like you are part of the family.
06/08/2013
By: wesbaldwin
Baldwin Co Inc
I was just made aware of a negative review that was evidently posted here over a year ago. TO THE POSTER OF THAT COMPLAINT: I don't know if you are a real person or not. But if you have had a problem with our services, please call my direct number 704-335-1112 and talk to me openly about any difficulties you may have had. I am the president and owner of The Baldwin Company, and I want to talk with you directly, person-to-person, about what you have alleged. In 37 years of business, we have never had anyone say anything even remotely in the vein of what you have asserted. I am nationally acclaimed for my complete professionalism and unwavering ethics in the way I conduct my business and handle my company. Call me. WILLIAM WESLEY BALDWIN, President, THE BALDWIN COMPANY, INC. 1-800-336-1116, ext. 1112
07/23/2013
By: cltqueen
Jeremy Fulkerson - State Farm Insurance
I was shopping around for insurance and I gave Jeremy's office a call. I spoke with one of Jeremy's employees. He was very helpful and explained all the coverages and the prices with me. I have now been a customer of State Farm for 6 months and I could not be happier. I have not had any issues with Jeremy's office but I know if I ever did they would handle it professionally and fight for what's best for me. Reading some of these reviews makes me wonder if they are talking about the same office. I have referred all of my family members to Jeremy's office and I will continue too. Do yourself a favor and give his office a call.
12/12/2012
By: clt0518
Jeremy Fulkerson - State Farm Insurance
I have had State Farm for 12 years and decided to use this office when I moved to NC. At first everything was great and they were very easy to work with. I needed to file a claim on my renter's insurance and was told it was not covered, but that they would speak with the other insurance company involved and try to help. However this never happened. The follow-through is terrible and when I called to let them know I was changing insurance companies, they did not even try to find me a better rate. Very disappointing after having been a loyal State Farm customer for so many years.
07/10/2012
By: jasonamodeo
Van Nguyen - State Farm Insurance Agent
I have been with Charlotte Insurance for years because nobody else can beat my auto insurance rate, and I have shopped around on them at least once a year. I even had one broker ask who I was with because my rate was so much lower than what he could do! I’m going to have them quote my homeowners too. They do a good job here.
02/20/2017
By: Jon B.
Pegram Insurance
This Pegram saved me over $600.00 on my homeowners and auto insurance. When my wife called Wellsfargo to cancel our other policy they asked her why. When she told them that we saved $600.00 the agent on the phone just went silent! *Laugh* Then she thanked us for our business and canceled the policy.
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10/13/2015
By: Monica B.
Allstate Insurance Agent: Benjamin Helbein
Ben has always returned our calls very quickly. he has always gone out of his way to try and help my family have the best coverage in the most cost effective ways. We have had our Home and Auto through him for 10 plus years and have never had a problem. I recommend him to everyone I know!
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11/29/2016
By: Barbara D.
Melanie Stone - State Farm Insurance Agent
I knew I needed insurance, but was overwhelmed with the idea of where to go and what I needed. Melanie was professional, patient and completely knowledgeable in all aspects insurance. I am so glad I found her and have def. recommended her to all of my friends and family! Thanks, Melanie!
03/14/2017
By: Tom F.
Jeremy Fulkerson - State Farm Insurance
Jeremy Fulkerson has been my State Farm Agent for several years! I find him and his team very responsive to all of my insurance needs. Extremely professional, proactive and a pleasure to work with. I highly recommend them!
07/11/2016
By: Victoria M.
Williams D Laurie Lutcf
William Laurie's agency is the best insurance agency I have ever done business with. They are always eager to help, and always help me find the most affordable rates. I will continue to be their costumer for years to come!
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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