American Family Insurance Locations & Hours Near Lees Summit, MO -
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By: Logan L.
Summit Hill Insurance
I really appreciate that Charley takes the time to find me the best rate for my situation. He never wants to oversell me, but simply wants me to get just what I need for my family. I also appreciate the time he takes to explain on the details that go along with insurance for me. I always feel taken care of.
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By: Lavonne B.
Jim Hubbard Insurance
Received a mailed solicitation from this office with an estimated quote for home insurance. Called to get a quote for both home and auto. After several days and having to call back and leave a message regarding the quote, I received an email where Jim sent me only one quote for Progressive and it amounted to less coverage for more money. When I emailed back to ask for more competitive quotes he just replied by saying he was sorry he couldn't (aka refused) to help me. Very disappointing and will probably never call a broker again.
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By: Obay B.
Summit Hill Insurance
I got a letter from them with a quote for me to change my insurance company to go with them. Called and BJ got my info, I faxced her a copy of my policy and after 4 days she calls wanting to do a credit check before she can give me any prices and after a week of waiting, I called the office and she said that she did not get any info back and promised a call back. She did call back the same day to tell me that I'm off better to stay with my company???? There quote was about 300 lower than my company to start with. If there is a resting to give them I would give -100. They scam u with a letter with a lower rate and then when it comes to truly getting u a good price policy, they flunk big time. They need high risk people only to work with. Not recommended in any way of form. Keep away at all cost.
By: Tiffany K.
Birchwood Insurance
Very rude agent. I was very surprised at the response I got from the agent when I called to get a quote. He sounded like he didnt have time for me, spoke pourly of our curent insurance group and by the time the conversation was over he hung the phone up on me. He was very unprofesssional and actually use swore words when speaking to me. This will be the first and last time I ever call this group to get an insurance quote. Dont waste your time here.
By: amlkcmo
Oehrke Michael Ins Agcy Inc
State Farm has taken good care of my family and me for 12 years. I am so grateful for them coming through for me in a claim for a recent accident, especially when I got caught in the middle of a miscommunication with a body shop. State Farm really DOES put the customer first, and I am pleasantly surprised with their level of commitment to us. To everyone at Michael Oehrke's office, and the Claims Center, Thank you!!
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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