State Farm Ins Locations & Hours Near Des Moines, IA -
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By: Ben T.
Mark Courter Agency
I am a satisfied client of Mark Courter of State Farm Insurance, and they provide auto and home policies for myself.
By: Melissa H.
Chuck Smith - State Farm Insurance Agent
We have been with State Farm for 25 years now, and will never feel the need to go anywhere else. We trust that our needs and concerns will be handled.
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By: Deborah J.
Centurion Casualty Co
I currently have a claim and unable to reach anyone. There is only one contact # and that's bad business.
By: Sara E.
William Peverill Business Ins
Bill is very knowledgeable, helpful and friendly. He has a wealth of experience and unmatchable credentials.
By: Oz D.
Chuck Smith - State Farm Insurance Agent
Satisfied client of Chuck Smith. The staff are all great and they always help me whenever I have any questions or concerns about my coverage.
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.
By: Tiff R.
Mark Courter Agency
We have homeowners insurance with Mark Courter and we couldn't be happier. They are great at what they do and we trust them.
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.
By: Wendy S.
Chuck Smith - State Farm Insurance Agent
Awesome services. They are a high quality insurance agency and the folks at Chuck Smith really know what they are doing.
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.
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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