user avatar
05/17/2016
By: Alice T.
Ronnie Ward Insurance
We have several policies with the Wards for our investment property. They give us great advice on the type of coverage we should have and search diligently for the best provider to meet our insurance needs. They are always very professional and thoughtful. We never feel pressured to buy something we do not need. In addition, both Ronnie and Ronald are very knowledgeable and well-connected. We trust them when we need vendor recommendations to take care of our property needs. Couldn't have asked for better partners to run our small business. Highly recommend!
09/09/2011
By: claudeb
The Phoenix Insurance
The Phoenix Insurance is an office full of professional agents that know what they are talking about when it comes to insurance - I had so many questions that they were able to answer. They quoted me through a ton of companies and gave me lots of coverage options to choose from, and helped me to really understand what I was buying. I have been going through a company with a lizard for a while, and I have never felt like I really understood what I was paying for. Now I do. Big thanks to the great agents at The Phoenix Insurance in Dallas.
07/13/2014
By: Sandy A.
Steven Graves Insurance Agency
Thank you Steven Graves Insurance Agency. You and your staff are so helpful and took care of us. While I lost my husband to cancer. My Kids and I are going to be fine, because of you caring about us. 11 years ago you took the time to determine (in great detail) how much it would cost to take care of our family if my husband should die. Now that he is gone, we have nothing to worry about because you took care of us. Thank you....Thank you....Thank you. I could never repay you for what you have done.
user avatar
10/04/2016
By: Mathew L.
Mark Caudle - State Farm Insurance Agent
Marc Hill and his wonderful Secretary have not only helped with all my Insurance needs, they have also helped me with getting to know Dallas and so many other life things. I can't begin to say how wonderful they have been to my wife and I, after our big move to USA from Tokyo, Japan. If you want an Insurance agent you can trust, look no further, Marc Hill is your man. Thank you for all your help, Marc Hill.
07/05/2012
By: jimw14
Mark Caudle - State Farm Insurance Agent
For over 25 years, Mark has provided a constant level of financial safety and security for our family. We have virtually every conceivable policy in our portfolio, and Mark has always been there to guide us. Over the years, family needs inevitably change, and he continues to offer us plans that make sense.It is a true blessing to have an insurance professional that is a friend first, and agent second.
01/24/2013
By: dianen10
Mark Caudle - State Farm Insurance Agent
Emily, I appreciate all of the help you have given me on my policies with State Farm. You are always available to give me advice on the policies I have with State Farm, auto and homeowners. Also, you have been honest in dealing with me on any issues/problems I have had with my policies, etc., payment being returned, etc. Thanks for always being there for me with any of my questions and/or concerns.
08/25/2014
By: Yvette L.
Ann Nguyen - State Farm Insurance Agent
I am so very honored to have Ann as my State Farm Agent. She is the greatest!!!! Whenever I need something done, corrected, changed, added, etc., she's very quick to accommodate and respond. I really appreciate all that she does for me. I'm so very blessed to have her and her team. Keep up the excellent work, Ann. You're so wonderful!!!!! YOU ROCK!!!!!
07/06/2016
By: Rhonda M.
Steven Graves Insurance Agency
Steven Graves Insurance Agency has been taking care of my insurance needs for 11 years. I was so lucky to find them when I moved to Dallas. They are always helpful, friendly and take care of me. If your looking for a good insurance agent, call Steven Graves. I highly recommend them.
06/09/2015
By: Kimber D.
TRA Air Conditioning & Heating
I just used TRA for the first time, and I'll be saving their contact information! I'm so grateful for fast, courteous service, a friendly and knowledgeable technician, and a no-pressure sales approach. I feel like I can trust this company, and that is priceless. Thank you, Dennis!
user avatar
12/20/2016
By: Bobby B.
Jon Essary - State Farm Insurance Agent
GREAT EXCELLENT DANG NEAR PERFECT!!! Even the coffee is Awesome!!! Switched from Progressive and saved on my 140 a MONTH on our 2 cars and home renters insurance... THIS IS NO JOKE!!! THANK YOU LANE!!! Professionalism is thru the window!!! 10 star review.
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.

Just a moment...