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05/11/2017
By: Liliya S.
River Tree Insurance Services Inc
I was purchasing multiple units in Huntsville, AL and was in needed of insurance. I came across so many unprofessional insurance Agents who do not return calls or emails, and when they do it takes them days to reply. They have totally different approach to business then in California, no one in hurry, everyone has time. And then I found Kim King at River Tree Insurance Services, Inc. After 3 weeks of disappointment Kim was a fresh breath of air! She delivered great service and at the decent price. Thank you so much Kim!!! I already told my clients about you, and as soon they ready to buy investments in Alabama, they will contact you directly. Thank you again for all your hard work on my properties, I know it was not easy, but you delivered!!!
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02/22/2016
By: T M.
Northwestern Mutual
I had the pleasure of meeting with Andrew Boyd and he has been such a tremendous help. He has helped me align my long term goals with my current financial situation and has always been very professional and courteous. I would highly recommend him to anyone looking for financial advice, life insurance or if you're not sure what you need like I was.
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03/02/2016
By: Susan B.
Allstate Insurance Agent: Ross Brewer
Professional interaction with all of the staff. When my son totaled his truck, they were quick to handle the claim and made the whole process easy. Insurance claims can be confusing, but they handled things smoothly and helped me with clear instructions on what I needed to handle and how.
05/05/2015
By: Sharron C.
Joe Demos - State Farm Insurance Agent
I have gotten insurance through other insurance agencies in the past, but I have been the happiest so far with my current policies through Joe Demos State Farm. He has been straight forward with me from the beginning and that makes me trust him.
07/21/2013
By: jessica.garner
Schrader-Broughton Inc.
Outstanding people here. I needed several quotes and they were very helpful. I highly recommend them and their services as they work to find you the best rate. This is important today when insurance cost are very high. They go the extra mile.
04/08/2015
By: Marielle F.
River Tree Insurance Services Inc
River Tree Insurance has the best customer service around. They are quick and prompt in responding to questions and getting back to you with information. They also keep you informed at all times which is great.
02/10/2015
By: Brandon H.
River Tree Insurance Services Inc
The one on one service is what is best about River Tree Insurance. They get to know you and can keep you better informed on discounts and changes that are best for you. I highly recommend them.
06/16/2015
By: Bonnie N.
River Tree Insurance Services Inc
River Tree Insurance Services always provide great work. My overall experience was excellent I couldn't ask for better. They always keep me informed with everything going on.
08/28/2015
By: Jennifer B.
River Tree Insurance Services Inc
I have recommended River Tree Insurance to multiple family members and friends. They have done a wonderful job for me in the past and their work speak for it self.
01/13/2015
By: Cody L.
River Tree Insurance Services Inc
The team at River Tree Insurance is a great group of people. They are wonderful insurance agents and have always been so helpful. I highly recommend them.
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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