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12/12/2012
By: christaylor4534
National States Insurance Company
I wanted to write this review to rave about Kaye Nichols! I have known Kaye for SEVERAL years and she has always done a very professional job serving me as my State Farm Agent. Kaye goes beyond the call of duty to ensure that her client understands the complex world of insurance. Dealing with Insurance is a huge decision—one that you want to be sure to fully understand—Kaye makes it simple. This provides her customer (me) the ability to make informed decisions. I would highly recommend Kaye and her Team to anyone seeking a competent and knowledgeable Insurance Agent. Chris TaylorPresident/CEO Taylor Homes
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02/10/2015
By: James d. M.
Allstate Insurance Agent: Todd Altman
Having just seen a previous review of todd altman's allstate agency, I thought I should mention that my experience has been nothing but positive. They have worked diligently to get me all the discounts possible and have always kept in touch with me to ensure that I'm getting my needs met. I can't speak to the other reviewers experience but I can say that mine has been entirely opposite. I have nothing but accolades!
09/17/2012
By: barry.esslinger
State Farm: Greg Haus
I recently had a claim due to an accident out of state. There was a lot of work back and forth to get everything resolved. There were a couple of communications breakdowns with the body shop etc. I called Greg Haus' office and spoke with Shannon. She really took ownership of the issue, got everyone on the same page and exceeded my expectations in resolving the issues. Thanks for the great work.Sincerely,Barry
08/21/2016
By: Adele H.
Life Insurance Brokerage Service
ellonicole we will bo more than happy to tailor a car insurance policyto fit your need, but be sure to ask about our insurancei will tell my friends use your services. last week, i got a trouble with my car , i can turn on it's lights . then i toke money from geico, and i fixed my problem quickly. so i so happy
02/14/2013
By: louky7
State Farm Insurance Agent Adam Sparks
I have all of my insurance with Adam and his staff is very knowledgeable and courteous. I have been a State Farm customer for many years and have always had a great experience. I had a claim on my car for hail damage and I was taken care of. I strongly recommend Adam and his staff to everyone.
09/18/2012
By: maggieleeray
State Farm: Greg Haus
Not only are Greg and his staff incredibly friendly but always so helpful. Anytime I have needed to submit a claim, it has been an easy and smooth process because of their hard work. I would recommend Greg to any friend needing insurance or looking to change agents.
07/25/2012
By: steverobs1
Nationwide Insurance
Great group of people, very well versed and informative. Couldn't be happier with the customer service. Saved me time and money with better coverage and bang for my buck. Would recommend giving them a look.
01/07/2015
By: Nickolas S.
Jennifer Starke - State Farm Insurance Agent
Since starting my auto policy through this office there have been one or two minor hiccups that after one phone call were immediately rectified. Pam especially being a big help. Professional, and considerate
09/06/2012
By: bus2austin
Kiely Hines & Associates
I have an outstanding problem with these guys. Been told it's not their fault, well let the problem run it's course and see what's wrong. Will update rating once the problem has been solved/not solved.
09/19/2012
By: judson.wildman
State Farm: Greg Haus
Greg and his staff at his agency have always been very helpful with our family's insurance and financial needs over many years. I would recommend this agency to anyone looking for this service.
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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