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03/11/2015
By: Jessica C.
Reynolds & Reynolds Inc
I have a good relationship with the people at Reynolds & Reynolds. After being with them for about ten years I can honestly say that I've never had a problem finding someone available whenever I call with a question.
12/24/2014
By: Lauren E.
Chuck Smith - State Farm Insurance Agent
Chuck and his team has been great to work with over the past several years. He is very honest with you and has your best interest at heart. I have recommend him to many friends and they have felt the same way!
05/01/2015
By: Regina P.
Reynolds & Reynolds Inc
I've been with Reynolds & Reynolds for about 18 years. I wouldn't have stayed with them if they hadn't been so good for me. I'm not changing me mind on them any time soon, either.
12/02/2014
By: Ariana D.
Mark Courter Agency
Mark Courter is exactly what you want in an insurance agent. He is professional and handles claims well, and always keeps me informed on discounts that apply to my policy.
10/10/2014
By: Karen P.
Mark Courter Agency
The quality of service at Mark Courter is excellent. All I have to do is call them and they know who I am instantly and they provide me with whatever service I need.
07/02/2015
By: Dan B.
Mark Courter Agency
Mark Courter and his team do a great job. They are very informative with new policy's and discounts that come up which is always a plus. I would highly recommend.
10/15/2015
By: Anne marie S.
Chuck Smith - State Farm Insurance Agent
Chuck Smith at State Farm Insurance does a great job of really getting to know you as a person. You aren't just another person walking through the door.
02/27/2015
By: Briana W.
Mark Courter Agency
I like how personable Mark Courter is. He is very easy to talk to and work with. He has treated us well for years and definitely earned our trust as well.
07/25/2016
By: Diana C.
Reynolds & Reynolds Inc
Reynolds & Reynolds offers quality customer service. This is a team that is always staying in touch with our staff answering any questions we may have.
10/11/2016
By: Melissa B.
Reynolds & Reynolds Inc
Super quick to respond to any question or concern - our renewals have been extremely low in the last 2 years so no surprises. We love working with them
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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