All State Insurance Locations & Hours Near New Iberia, LA - YP.com
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04/08/2017
By: David H.
Dorsey Insurance Agency Ltd
This has been my insurance agent for about 4 years. The staff is exceptional. They will go out of their way to help you. Their rates are also exceptional. Very professional agent and staff.
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06/24/2015
By: Jay B.
Jimmy Champagne: Allstate Insurance
My annual policy cost is very reasonable. Thank you Jimmy!
04/27/2015
By: Tony W.
Jimmy Champagne: Allstate Insurance
He takes care of his business and makes sure you are happy. Jimmy is just the best.
02/06/2015
By: Benjamin G.
Jimmy Champagne: Allstate Insurance
Jimmy Champagne is the best insurance agent in Louisiana. He's reliable, and always takes care of me when I need it. I highly recommend him.
01/14/2015
By: Kent M.
Jimmy Champagne: Allstate Insurance
I've always had a comfort zone with Jimmy because I've known him since we were kids. He's very professional when it comes to business.
10/29/2014
By: Julia H.
Jimmy Champagne: Allstate Insurance
We had to file a claim with Jimmy after Hurricane Rita hit. He and Allstate did a great job and we were treated fairly.
10/01/2014
By: Joshua R.
Jimmy Champagne: Allstate Insurance
I've been with Allstate and Jimmy do so long that I feel like I'm part of a family outside of my own and it feels good to have that.
06/24/2014
By: Jayde P.
Jimmy Champagne: Allstate Insurance
Allstate always follows up with me and answers my questions if it's for a claim or just a random question I thought of.
05/16/2014
By: Amos L.
Jimmy Champagne: Allstate Insurance
Allstate is one of the top two insurance companies in the nation, so I really trust them. But Jimmy helps make that big national brand feel more personable and local.
02/27/2014
By: Hunter M.
Jimmy Champagne: Allstate Insurance
I've been with Jimmy since I was a first time homeowner and that was 25 years ago. Working with him has been great and I look forward to the coming years.
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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