State Farm Insurance Locations & Hours Near Lithonia, GA - YP.com
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12/05/2014
By: Wayne P.
Lem Howard - State Farm Insurance Agent
Great customer service by Lem! I Just used my Insurance policy to turn in a claim with State Farm claims dept and I was completely confused. I called Lem and he explained the entire process and followed up with me to make sure all was well. Thanks for your help Lem!
11/25/2014
By: Adam C.
Lem Howard - State Farm Insurance Agent
Thanks for being there for our Family Lem! It is rare that I give kudos. However, I feel compelled to let people know what type a person Lem is as a State Farm Agent. I really have not had the best experience with State Farm in the past. Lem contacted me about 6 months ago asking for a opportunity to write our insurance. I really didn't want to switch, but due to Lem's office being persistent in explaining his office is based on building a personalized relationship with there customers this caused me to think have I gotten this is the past. So I decided to give State Farm another shot at my business. Not only was the rate better but I felt appreciated as a customer. Lem thanks for calling me over and over again to switch. I look forward being your customer for many years. Thank your ladies for me they are the best!!
11/22/2014
By: Bradley S.
Lem Howard - State Farm Insurance Agent
Happy Thanksgiving to Lem and his office. I appreciate you excellent service over the years. You have been my agent for more than 12 years and you always give excellent service. I like knowing when I call your office I receive a prompt call back and I'm able to speak with an actual person. I also like receiving calls reminding me of when my bill is due. Keep up the good work!! You always have my support!! I'm a State Farm Client for LIFE! Bradley Stevens
10/12/2012
By: jlynch555
Lem Howard - State Farm Insurance Agent
Your Team is the Best! Lem has the best team in Atlanta. They are very responsive and professional. I can call anytime during the day and they are there. Thank you Lem, Marcia and Nattallia for your outstanding service.
10/12/2012
By: cliffbest
Lem Howard - State Farm Insurance Agent
Consistent Good Service by Lem's office. Thank you Lem for f/u with me on a regular basis to make sure we are correctly covered. I would advise anyone looking to purchase insurance to give Lem's office a call! user friendly operation!
10/11/2012
By: bobby30309
Lem Howard - State Farm Insurance Agent
A TRUE GOOD NEIGHBOR!!!! this state farm office has always been there for our family. we wouldn't think about changing Agents. We had hail damage to our roof and State Farm claims tried to deny our claim. This Agent (Lem Howard) came out to our housepersonally and inspected roof and had claim overturned. He goes above and beyondto make sure his clients are taken care of. I strongly recommend.
10/11/2012
By: lynnd1
Lem Howard - State Farm Insurance Agent
Lem Howard is simply the best of Insurance Agents.I've been an customer for over 7 yrs with no problems.Keep going Strong Lem!!! I support you always.
10/11/2012
By: homerj769
Lem Howard - State Farm Insurance Agent
Lem Howard is one of the best State Farm Agents around Atlanta!!!I have known Lem for over 20 yrs. He has always been an honest and straight forward person. I would recommendLem Howard State Farm Ins to anyone needing an InsuranceAgent. I have had my business with Lem for over 12 yrs. I havenever had a situation that was not handled with the highestof professionalism. Lem's office is always responsive and ready to help.
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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