State Farm Insurance Locations & Hours Near Leawood, KS -
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By: Mary T.
Farmers Insurance - Don Ernst
Don has been my agent for over 30 years. Has always worked with me to get the best rates. Highly recommend.
By: Jamie C.
Farmers Insurance - Don Ernst
We have had auto, home and boat insurance with Don Ernst for many years and couldn't be more pleased. Our claims for roof damage and hail damage to our cars was handled so smoothly. Work was done quickly and any funds due to us were paid promptly. This is the guy you want on your side when you have problems!
By: Nicole holmes F.
American Family Insurance - Nicole Feltz Agency
We pride ourselves on building our clients' business, taking care of them after a claim and giving back to our community!
By: Ghodar S.
SelectQuote Senior Insurance Services
DONT DO IT, if you dont want to be in the mess they got me inHere,I have insurance with Stillwater Insurance Company, in May 0f 2016 we had Hail Storm come through our subdivision that damaged the roofs. So, Call Stillwater, they came and estimated the cost of the roof REPLACEMENT as follow 1. The full cost of the repair or replacement is $17,306.67 2. Less recoverable depreciation -$1,932.13 3. Less none recoverable depreciation $- none 4. Actual Cash Value of the loss is $15374.54 5. DEDUCTIBLE -$14,740.00 6. AMOUNT OF CLAIM PAYMENT $634.54 7. Supplemental Claim to be filed in accordance with the terms and condition of the Replacement cost above, will not exceed $1932.13. ***FOR THE ROOF THAT WILL COST $17,306.67 I AM ONLY GET CHECK FOR $634.54!!!??? When I called the company, insurance agent, the adjuster, the claim Representative, EVERYONE BLAMED THE OTHER PERSON. Which Insane person in the world would buy insurance like this!!!??? I was deceived by this Insurance Company I DEMAND THE ROOF ON MY HOUSE TO BE REPLACED COMPLETELY FULLY PAID BUY STILLWATER INSURANCE COMPANY, NOTHING LESS.
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By: Chuck J.
Farmers Insurance - Don Ernst
I was with this agent for 15 years and have been more and more dissatisfied with my service, specifically my pricing, lately. 6 months ago he had me in to review my policies etc. so I assumed if he could provide a better rate etc he would have. I decided to follow my gut that said move to another company and I told him. His response "it is so automated now there is nothing I can do." Really!! Why do I pay you then? I switched companies and between two cars and a home I saved $1500 a year. So much for him looking out his customers. Don't bother going here.
By: Van L.
SelectQuote Senior Insurance Services
Spoke to Brad Smith at SelectQuote Insurance in Leawood, KS. and he gave me a quote over the phone, which I wrote down immediately. Later when I asked him to send it in writing it went up over $200.
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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