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By: Allen R.
Allstate Insurance Agent: Sara B. Jackson
Angela always did everything she could to get the best rate and she asks all right questions so that I can get the best rate. I am very satisfied with the services provided to me because I never had to worry and they always kept me updated.
By: Jake P.
Allstate Insurance Agent: Sara B. Jackson
I love how whenever I call with a question there is always someone there to answer the phone. They always get right back to me with the answers I need. I would definitely recommend them.
By: Owen J.
Allstate Insurance Agent: Sara B. Jackson
I strongly recommend Sara B. Jackson to anyone interested. They are very accommodating and reasonable. I appreciate how much they keep me informed and I am never in the dark.
By: gongora1667
Aji Agency
I've got my insurance with Jones as well! Prompt responses, accurate information, and, the best discounts available in Lexington area. Thanks Jones, Great
By: Jr O.
Allstate Insurance Agent: Sara B. Jackson
Sara Jackson has a great team and they all work very hard together to make sure they give their best to their clients and I couldn't be happier with them.
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By: Ana R.
Al Jones Insurance
Al was very helpful when it came to my insurance plan. I didn't have the cleanest record, but he was still able to get me a great deal. Very recommended!
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By: Kathlene O.
Kentucky Farm Bureau Insurance - Kristin Clark, Agent
Things were taken care of immediately. I dropped insurance one a car and got insurance on a newer car.
By: Wendy D.
Purdy & Cooke Insurance Agency Inc
Phone number has changed to 859-253-8799, address is now 2400 Harrodsburg Road
By: gerrylamothe
Sullivan Insurance Agency
I admire your faithfulness to your customers. Thanks, Roger
By: josh.barrick.7
Allstate Insurance Agent: Tom Barrick
Great service. Staff is awesome. Best agent I ever had.
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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