Allstate Insurance Locations & Hours Near Dallas, TX -
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By: Indian C.
Farmers Insurance - Scott Johnson
An agent that listens for a change. Nice to have one finally!! Very knowledgeable. He carries everything. We have home, auto, life, boat, motorcycle and now Roth IRAs with Scott.
By: Shannon M.
Stogner & Associates Insurance
Great help and getting the right coverage for all our Insurance Needs. Friendly Office Staff and great prices as well.
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By: Stephanie E.
Stewart Insurance Agency
We have been renting from Dave Stewart fo 4 years. We cannot t get him to fix anything and when they do it us always shoddy workmanship. We had an electrical fire in the attic and a year later we had one in the wall. He tried to say we plugged too much stuff in. However one entire side of the house is on one breaker. This house is a fire hazard!!
By: R W.
Farmer Fuqua & Huff
I have been with this firm for over 30 years and would never change. Clarence Farmer is my CPA and I would never change that either! Excellent service, professional and knowledgeable! R Welter
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By: Latina W.
Carlos Luevano Jr - State Farm Insurance Agent
Best customer service. Irene is the best. She is very patient and goes above and beyond to ensure her customers are satisfied. I have been with this company for years and as long as she is there I will continue to be a loyal customer.
By: Dawn W.
C1 Insurance Group
Bryan Johnson was very friendly and helpful. I appreciate him taking the time to walk me through all the insurance information and explaining all the coverage. I would recommend them to anyone looking for a friendly helpful insurance company.
By: Edgar P.
C1 Insurance Group
Jeff was awesome at helping me get insurance for my new home. Made it very easy and took time to explain product. I would recommend him to anyone that needs insurance.
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By: Precious R.
Reliable Life Insurance Company
This insurance company is NOT reliable DO NOT get This! They will leave you on hold for two to three Hours and make you wait for months for a claim They are crooked and unprofessional!
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By: Victor D.
Old American County Mutual Insurance
This insurance is horrible not recommend it my car have hail damage shop estimated for 6995 this insurance want to pay 755 is stupid.
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By: Eileen H.
Very happy with the coverage and the customer service I received from this agency. Highly recommend!
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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