07/18/2013
By: indycommander1
Nationwide Insurance
The right hand does not know what the left hand is doing. Agent we had was very nice and seemed to know what they were doing; However, the accuracy of information we verbally discussed and agreed upon was not what the policy and bill stated. We called to pay our bill and it was a different price that the agent originally quoted to us. This happened approximately 3 times. We attempted to work the miscommunication out with our agent. However, we then received a new revised policy and bill amount. We felt like the local agency and the main company were not working together and we were caught in the middle of their game of 'hot potatoe"
03/19/2013
By: paul.white.940
Cunningham-Weatherspoon Agencies
The Cunningham-Weatherspoon Agencies of American Income Life is an enjoyable place to work. From the competitive spirit to the ongoing training, this agency maintains a family atmosphere. The SGA's, James and Jamison genuinely care about the agents' success. They definitely lead from the front. They share their experience to make it easier for those that are new. Whether an agent is there for a moment or a lifetime, it is a rewarding experience.
10/18/2012
By: debhepworth
Wilson Family Insurance
I walked in without and appointment and was immediately taken care of by Pam Wilson. She was very informative, easy to talk to and gave me what I needed quickly and within a $ amount that was less than I expected, which is nice. I was really impressed with her service today. I would recommend her to anyone that needs an insurance quote. She has access to many companies and will pick the best one that suits your needs.
01/08/2013
By: bruce.beikman.5
Doug Miller - State Farm Insurance Agent
I must say the staff at the miller agency have been very professional, curtious and understanding. they have gone out of their way in communicating with me in a very timely fashion. Mr. Miller is a very honest and caring individual and I will recommend this agency to friends and family. Thanks again for helping me in my time of need.
06/24/2014
By: M D.
Sarah Holtrup - State Farm Insurance Agent
My house was one affected by the explosion in Richardmond Hills. Sarah and Renee were there for me every step of the way. Renee called me EVERY day to check on us. Renee has been awesome helping us through whatever it is we may need. The customer service we receive is outstanding and we feel lucky to have found such a great agency!!!!
02/20/2015
By: Wendy C.
Allstate Insurance: Ann Bell
I have been doing business with Robert and Ann Bell for many years. I have always received honest and reliable service. I have Auto, Home and Life insurance and I am very pleased with my services. If you are looking for someone you can trust this is the place for you! Thanks for all the years of great service and friendship!!!
01/18/2017
By: samz6340
Haleh Krauter - State Farm Insurance Agent
I highly recommend Haleh Krauter, State Farm Agent, because of the depth of her knowledge. She can easily explain why she is recommending specific insurance programs and how to insure most cost effectively. And, she asks me great questions so she can quickly assess what coverage and other services I require.Sam Z.
07/01/2014
By: Melissa C.
Sarah Holtrup - State Farm Insurance Agent
I would highly recommend Sarah and Renee as your insurance reps!!!!! They make it easy to switch over and explain all coverages in full detail so you truly understand what you are covered for. Also, Renee took the time to really to get to know us to adequately insure my family and I.
08/04/2016
By: Pat V.
AAA Greenwood / Southport Office
I had a flat tire yesterday at Stones Crossing & Morgantown rd-Greenwood, In. the Tech who assisted me was there in 20min. and was very friendly & compenent. Thank you for your assistance.Patricia VanHoy
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03/03/2015
By: tiffanyhanson
Farmers Insurance
Mike is a very straightforward and honest guy and REALLY understands customer service. I would recommend him to anyone! Ask him about Farmers' New Roof Discount for your homeowners policy!!
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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