Allstate Insurance Locations & Hours Near Laredo, TX -
user avatar
By: mikestone1953
Pronto Insurance
Pronto has good rates and service. But they play the bait and hook in you. You get a good rate for the 6 month policy, sorry no 12 months:-( Then every 6 months with a new policy,,, comes a higher rate. Every time!
By: Roque C.
Pronto Insurance
The people in this location are extremely helpful, starting with the general manager Ms.Garcia my insurance policy is the lowest it has been in years!!!
By: Sam L.
Beto Gonzalez - State Farm Insurance Agent
Amazing experience, it was a pleasure doing business with you. Everyone was so helpful and really made sure I understood the value of my purchase.
By: Edward C.
Cavazos Insurance Agency
Open M-F 9:30AM - 5:00PMGreat older gentleman very helpful will be bringing back our form to get it notarized.
user avatar
By: Marta R.
Pronto Insurance
Excellent very professional treat you with respect go beyond there duties highly recommend
By: jorgeperezch
Farmers Insurance
Farmers is a great company. And the location is perfect, right in front of HEB Guadalupe.
By: mariadejesus45
Farmers Insurance - Juan Sanchez
Excellent, Professional, outstanding, hardworking, and competent.
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.

Just a moment...