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By: Candace O.
Flor & Associates Insurance Agency
I have had tons of great customer service here at this agency. Everyone is very friendly and willing to help. I have moved policies over from other agents because of Flor and Assoc lowest pricing and nobody can beat their customer service! Michelle was our agent in producing our general liability and did a fantastic job. She made the transition very easy! I highly recommend this agency for your insurance needs.
By: Joseph D.
Allstate Insurance Agent: Zenia Chavez
I recently bought a car and my insurance doubled!! I called this office, since it is close to my work. The young ladies there are extremely helpful and helped me lower my premium with more coverage ! She even took care of cancelling my policy with my other company and gave me a discount for having an email. I would definitely recommend this agency to everyone.
By: parmend6
Allstate Insurance Agent: Ron Montgomery
This office has state certifide staff. All knowledgable in many fields of coverage and legal matters. No gimmicks just straight up front explanations in leimans terms. My parents hsvr been taken care of for years and always on top of the coverages because of the helpful staff
By: Laurel A.
Allstate Insurance Agent: Omar Salazar
I was new to the area and found the Salazar & Lee Agency down the road from my home. I received a quote for my life, home, and auto insurance. I must say I am thoroughly satisfied with the service I received. They made me feel like family and I would highly recommend them
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By: Merissa T.
Ali Boureslan Insurance Agency-Farmers Insurance
Mr Boureslan is a great agent and is always there for assistance with your policy including general home owner advice. He and his staff are very attentive and always come up with a solution. I highly reccomend this agent for you insurance needs
By: Lucy A.
Meridian Insurance
Ive been with this insurance company since my family and I moved to El Paso about 3 years ago. They're very helpful, friendly people, and always following rules. I do recommend it.
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By: Chantel L.
Red Rock Insurance Agency
This place would be better if they opened up on time. They say 9 am but they come when they want. They also should set up a way to automatically take a payment.
By: Jim R.
Allstate Insurance Agent: Rene Aguilar
Great service! I have always received very good service, and all of their producers are very informative. I wouldn't want to be with any other agent.
By: Drake K.
Pan American Insurance
The agents here are very friendly and professional. They treat me like they are glad to have me as a customer. Glad they're my insurance company!
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By: Brianna S.
All Peoples Insurance Agency
I've been going here for several years. They have great services and the prices are very reasonable. She is always able to find me a good deal.
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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