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By: Sallie B.
Q R P Enterprises
QRP is a very interesting business. They showed up out of no where and gave me a bottle of tide to take a look at their product line. It was a very impressive presentation, but I wasn't prepared to make any sort of purchase. They told us they had a special and made everything affordable. I was very shocked at how it all happened, because I didn't know people did business like that anymore. But, I'm glad they did. I'll refer anyone I know to them. And even if I didn't buy they still gave me the bottle of tide!
By: Amanda F.
Allstate Insurance Agent: Floyd Alverson
Floyd and Becky have been GREAT! I have multiple policies with Alverson Insurance in Fayetteville, AR and they have always been there to help, educate and guide me when I needed them. Floyd's team is very knowledgeable and have saved me time and money over the years. I highly recommend Floyd Alverson Insurance in Fayetteville, Arkansas for your Home and Auto Insurance coverage.
By: Tom H.
Q R P Enterprises
I couldn't be happier with my experience with QRP. They answered all my questions and even gave me 10% off because of the holiday. They took a little longer than I expected, but I was ok with it, because the guy was really nice.
By: Janet M.
Darryl Andrews - State Farm Insurance Agent
Darrly Andrews and his staff are always very eager to help their clients with any questions or concerns. They are knowledgeable and informative.
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By: Andrew H.
Q R P Enterprises
This place is first class thru and thru! They were polite and went above and beyond. Thank y'all so much for taking care of us!
By: Sarah P.
Darryl Andrews - State Farm Insurance Agent
The staff at Darryl Andrews State Farm are really great at communicating and responding to their clients.
By: Faye W.
Darryl Andrews - State Farm Insurance Agent
Whenever I work with Darryl Andrews State Farm, the service is excellent. I highly recommend this agency!
By: Peter W.
Darryl Andrews - State Farm Insurance Agent
The staff at Darryl Andrews- State Farm Insurance are always prompt when returning phone calls.
By: Ella S.
Darryl Andrews - State Farm Insurance Agent
Darryl is always very personable and approachable. I enjoy working with him.
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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