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02/04/2016
By: Leah B.
Jerry Matthews - State Farm Insurance Agent
We have had Jerry Matthews as our State Farm agent since we have been homeowners in 2000. We have experienced very little reason to use State Farm which we are so grateful for, but the one time I was in a car accident it was a bad one. A head on collision with my two small children in the van - hit by an uninsured motorist and spent several nights in the hospital recovering from what were suspected internal bleeding injuries. The children were completely fine and were taken straight home from the accident. With all of the stress from recovering, I really appreciated having State Farm in my corner tying up all the losse ends and making sure all of my injuries were covered. It was truly amazing and I will never forget how blessed I felt to have their expertise just a phone call away.
08/10/2017
By: Vivian L.
Employee Pooling LLC
I wanted to thank you all for your hard work and dedication. I greatly appreciate all the ongoing efforts to process the business in a timely manner and expediting the work for us to continue to meet our promised guidelines to our agents. The transition of having the Support team submit all applications to the carriers is going well and the additional step of imaging the applications in pay per click and segmenting the forms by carrier guidelines was completed seamlessly as we had hoped. Thank you all for your time, efforts and dedication to our company. I Appreciate YOU!
03/27/2016
By: Anita R.
Valinda Burks - State Farm Insurance Agent
great staff, great service, great response! I love my state farm agent.We have our car, home owners and some savings, and IRA with them. Druing the flood, as well as a car wreck they went ABOVE and beyond to help us get back on our feet quickly. They respond to our claims in a quick and professional manner. They are always there to answer our questions and concerns. They know our family and it shows!
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04/09/2016
By: Sharon P.
Mike Bates - State Farm Insurance Agent
Our agent Mike Bates and his team does a fantastic job of making sure that each client is taken care of. They have helped us with claims, car accidents, and helping us decide which car to buy based on the insurance needs of the car. We've had everything from car, home, renters and jewelry insurance with them. They are the best!
12/17/2015
By: Steve W.
Cunningham Insurance
Chuck does a great job for all your insurance needs from homeowners to car insurance. He has access to many companies so he can shop around and get you the best rates with the best coverages. He is also an Overton graduate that would be happy to help out all those that are affiliated with Overton as an employee or alumni.
08/11/2017
By: Jenifer C.
Parker & Watts Insurance Agency
I have used this company for over a decade, and trust them to help make sure my cars, house and life are properly covered for my needs. I had never file a house claim, until a water pipe broke and flooded my entire downstairs. They helped me work with the Ins company to get it taken care of and paid quickly.
04/14/2016
By: Denise R.
GEICO Insurance Agent
I have been a client of Geico for 13 years. Their customer sevice is great, low rates, accident free discounts, speedy roadside assistance and good grades discount for college students. Loyal customers are offered accident forgiveness for an at fault accident. Geico has a 97% customer satisfaction rating.
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12/17/2015
By: Mackenzie M.
State Farm Insurance
I use State Farm for renters insurance, and they have the best coverage in town! I have a minimal monthly payment that is affordable as a brand new teacher. I am glad that I am using them for my insurance. Once I am married I plan to bundle my renters and car insurance for even more savings!
09/06/2016
By: M E.
Farmer, Heather B - State Farm Insurance Agent
I have never been disappointed with our State Farm auto policy. Each time we have had a change or an accident, Heather Farmer's office has handled our questions with quick and friendly service. Even though we have compared rates elsewhere, we are happy to stick with State Farm!
04/10/2016
By: Bailey K.
Farmer, Heather B - State Farm Insurance Agent
Heather Farmer was recommended by a friend who had State Farm insurance. I've had renters insurance through her for the past two years, and she has been very helpful and communicative during the process! If you're looking for insurance of any kind, give her a call!
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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