State Farm Locations & Hours Near Columbia, SC -

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By: Connie W.
Larry Lucas - State Farm Insurance Agent
This is the BEST Insurance Agent Bar None! Larry and the Staff he chooses are AMAZING! Larry, Mackey, Will, Lindsey, Rodger...(sorry, I am pretty sure that I am UNINTENTIONALLY missing one of these Precious People....) But No matter who answers the phone when I call or greets me when I arrive at Office, Each and Every Person in Larry's Office, willingly, kindly, immediately and efficiently takes care of me. They ALL make me feel as if I am their only Client! I would NEVER take my business anywhere else! For those of you who think you are saving money with any Agency other than State Farm, You're NOT! For those of you who think you are being treated with the utmost respect, as a Person; OR having your needs as a Customer, taken care of more efficiently than Larry and his Staff will Treat you and Take Care of your needs, You're NOT!
By: Jordan B.
Allstate Insurance Agent: The Owens Agency, LLC
I have my home and auto insurance with Allstate Insurance - The Owens Agency. They always keep me informed and up-to-date with new coverage options and discounts and stay on top of things with my policies and questions. They are a lot better then any other insurance agency I've had and I would confidently recommend them.
By: Robert P.
Allstate Insurance Agent: The Owens Agency, LLC
Everyone at The Owens Agency is wonderful, from the agents to the office staff. They always take the time and ask me how I'm doing or what's new, how my family is. They are genuine are really care about my well-being. I like the feeling of being more then just a contract with them.
By: Shannon C.
Allegiance Insurance Group
Allegiance Insurance Group is hands down the best insurance agency in the southeast!! I have never experienced such high professionalism anywhere before. The agent is very knowledgeable and is willing to go the extra mile to insure you the proper coverage at the most decent rate.
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By: Heather M.
Kali Render - State Farm Insurance Agent
Couldn't be happier I love being treated like a person & not just another number walking through the door. Customer service is OUTSTANDING, I would recommend anyone who likes to feel welcomed and part of a great company to do business here
By: Gerald W.
Allstate Insurance Agent: The Owens Agency, LLC
I have been really happy with how clean and concise the staff members from The Owens Agency are. They take care all of my questions and concerns to the best of their ability.
By: Kenny M.
Allstate Insurance Agent: The Owens Agency, LLC
I get my home insurance from the Owens Agency. I think their annual policy cost is pretty fair. I had a claim in January and was very happy with the way they handled it.
By: Sasha G.
Allstate Insurance Agent: The Owens Agency, LLC
They are great at keeping us informed about new discounts that we can get. We love how they take a moment to talk with you and explain things in a great way.
By: sanchez1
Acceptance Insurance
well the staff there are great, very helpful and friendly.christina and Leslie are always a pleasure to see every month when i pay my insurance.
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By: Carl C.
Affordable Insurance Group
Pure professional there on the job doing a great service to the community and to new drivers of new businesses fantastic people to deal 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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