All State Insurance Locations & Hours Near Mcallen, TX - YP.com
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04/30/2016
By: Ruby S.
State Farm Arena
It is unreasonable for management at the arena to prevent anyone from carrying over the counter medication such as Excedrin or Zyrtec. At any moment a headache or allergy related symptom may arise and now patrons will be without any relief. No other arena such as the AT&T Center or the Whataburger Field that I have been to prohibits these types of medication.
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02/24/2016
By: Chad D.
Sanchez Insurance
Great and Knowledgeable agents to help you find the best policy. Cheap Rates!!! Personal service. Dina and Jennifer are GREAT!!
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02/24/2016
By: Cristela T.
All Valley Insurance
If your looking for bad service this is the place to go the owner don't know her name don't care very very rude talks to you with balls and you ask a question and she talks to you like your stupid . Don't really like putting business in a bad ratings but when it's a bad review its just a bad review .
08/19/2015
By: Yeni N.
MONARCA INSURANCE
La mejor agencia en el valle se las recomiendo ,Buenas cotizaciones y un excelente servicio
02/24/2015
By: Courtland G.
Connect Insurance Agency
THE WORST INSURANCE THAT I HAVE EVER DEALT WITH. THE CLAIMS PART ANYWAYS. THEY DON'T CARE ABOUT ANY BODY. ALL THEY CARE ABOUT IS $$$$$$$. IF I COULD GIVE 0 STARS THAT WOULD BE GREAT.
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03/19/2014
By: jogarcia30
Connect Insurance Agency
WE ARE INSURANCE BROKERS. CALL US FOR ALL YOUR INSURANCE NEEDS.956-627-2257
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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