Allstate Insurance Locations & Hours Near Hudson, FL - YP.com

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08/13/2015
By: Peg G.
Bauknight Insurance of Pasco
I have personally hired and dealt with the owner of this insurance company and can say at 55 years old that i am and have had MANY agents hired to cover me and mine throughout the years, that he (Mr. Bauknight) is a gentleman, understanding, fair and someone that you should give a chance to for your insurance needs. Yes, there are many insurance agents out there that can get you covered, but only a few that are avail. to you 24/7 as is he and that will personally find the time for all his clients. Thank you once again Greg for all your time and your understanding through what we endured together. My hat is off to you sir.
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12/28/2016
By: Amanda L.
GreatFlorida Insurance - Joyce Kurtz
They are a great insurance company saved me a lot of money. Where other companies wanted 300 down and 180 a month this company quoted me 100 down and 80 a month. Plus Ryan was able to help me get insured over the phone and through email.
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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