12/29/2015
By: Caren C.
State Farm Insurance
I recently had an accident,my first since high school and I am 58,I had only owned the car for 6 months,the trauma of the accident was enough,but dealing with all that goes with it ...was even worse. If it hadn't been for Amy Lopez at my local office on Ringgold Rd. I would never have gotten through it ,the claims agent I had Ashley,was rude and not helpful at all so I called Amy,I had no idea what was going on,she took the time to explain the process to me and got everything going,after that it was settled fault so I was confused when my insurance wanted to pay,but Amy explained it all to me and that it would not make my premiums go up or anything about my policy change...I have never even met my agent ,but Amy sure knows her stuff.
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02/22/2016
By: Paula A.
American Exchange
I have certainly enjoyed working with Rachel. She is Very competent and very professional. When I was laid off from my job June of 2015 she helped me to find coverage and then when my income status changed she help me to find different coverage. I am so impressed with her professionalism and her joy in helping with insurance coverage, I recommended her to my oldest friend when she needed help with her insurance coverage. Rachel is a wonderful Insurance guru and she's an asset to your company
09/15/2016
By: paulherrell
Geoff Rodgers - State Farm Insurance Agent
My wife & I were very comfortable talking to Geoff about just the right amount of coverage we needed for our 2003 Ford Mustang GT & me 2000 Chevorlet Surburban.. I'm going to be talking to him very soon about taking over our "gap" insurance on the Mustang. I may get my 1984 Honda Interceptor motorcycle insuranced also. Geoff is just a real nice guy to deal with.Paul & Lorrie
02/01/2015
By: Miss C.
Coffey Insurance Agency
I called Coffey insurance when I was looking to switch from one Insurance agency to another. They went out of their way to help me and made moving very smooth. They also found a way to help me save money. I would definitely recommend this Agency.
02/25/2017
By: Gracie M.
Liberty Mutual
Jona has been very customer friendly as we email back and forth working on a quote. I find many businesses do not respond to customer questions like this. She is prompt and courteous.
06/26/2017
By: Ashley S.
Matt Sage - State Farm Insurance Agent
Matt Sage and his team are the best around! They truly care about their customers and always go the extra mile. I highly recommend Matt Sage State Farm!! A+++.
04/20/2017
By: Rae P.
GEICO Insurance Agent
Great service! They hooked me up and explained all of my coverage and made recommendations that gave me a better policy and still saved money.
03/10/2015
By: Cari M.
ABC Insurance Services
People are kind and put their customers first!
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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