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07/19/2012
By: bobs423
Willie Durham State Farm Insurance Agent
I can not say enough about Willie and his staff. Having been a long time customer they have always handled any need I have had with professionalism and a smile on their face. My house flooded last fall resulting in my first claim ever. Willie and his staff guided me through a traumatic stage and were ther for comfort and support. They were prompt in returning all my calls and answering my questions. I truly can not say enough about them.
07/20/2012
By: btwetumpkaal
Willie Durham State Farm Insurance Agent
I am SUPER HAPPY with my service, price and coverage! After shopping prices...I found State Farm to be nearly the best price. State Farm is clearly the best company. Getting Willie Durham as my agent is icing on the cake. I highly reccomend Wille Durham as a AAA+ Good Neighbor! BT Wetumpka, AL
06/11/2014
By: Claire M.
Clay Carroll - State Farm Insurance Agent
I've had my insurance with Clay's office for over a year and they are always so helpful. The staff is so friendly and Clay even took the time to review my insurance personally. Highly recommended!
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08/25/2016
By: Angel T.
Clay Carroll - State Farm Insurance Agent
I appreciate the courteous staff and prompt service ... Whether its on the phone or at his office, always helped me with a happy attitude ...
01/04/2013
By: carrie185
Tyna Carter - State Farm Insurance Agent
I am throughly enjoying the services offered by this agency. Great atmospere and Tyna is a doll. Just marvelous!
02/03/2017
By: John J.
Willie Durham State Farm Insurance Agent
since moving to montgomery Mr Durham has been exceptional in assisting me and my family with our transition
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01/02/2015
By: Benita D.
GEICO Insurance Agent
Tammy Mann helped us at this office and the service was awesome! I recommend them highly!
12/09/2011
By: melissagreeson
Mims Insurance Agency Inc
Mr mind is the best by far for insurance!
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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