Allstate Agents Locations & Hours Near Evansville, IN -
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By: Guy H.
Paulson Insurance
Nice, friendly insurance agency! I've been with them for several years and have always gotten great service and rates.
By: Kevin B.
Watzlavik, Paul
We recently switched our home/auto/business insurance over to Paul with State Farm. I must say Paul, Dan and Anna have been fantastic! We recently had to get away from OCWEN that bought our mortgage loan and was really giving us the run around. They helped us move our mortgage and were very patient and helpful. I highly recommend Paul and his team to anyone looking for insurance.
By: Nathan D.
Paulson Insurance
Every time I call I get the best customer service! I just bought a house and needed car insurance as well as home insurance and doing everything was so simple and easy. There is never a long waiting time to speak to someone and they handle everything immediately! Your definitely not "just a plan" to them. There the best!!!
By: Melissa R.
Paulson Insurance
Experience couldn't have been better.Staff were extremely knowledgeable, prompt and helpful.
By: bethkarnold
Paulson Insurance
Paulson has always treated me fairly and honestly. They are always finding me the lowest quotes and are very professional.
By: Katie W.
Paulson Insurance
Thank you to Paulson Insurance because they did a great job and delivered in a timely manner.Highly recommend!
By: Susan N.
Paulson Insurance
Very kind and informative individuals!!! Would definitely recommend!!!!
By: Sam R.
Paulson Insurance
Very affordable insurance.
By: T M.
Allstate Insurance Agent: Tod Wilson Agencies
Highly recommend! Always looking to help me save money and keep great coverage.
By: Rj C.
Allstate Insurance Agent: Tod Wilson Agencies
I always have such a great time at this company's auctions! 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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