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01/02/2017
By: Jeffrey F.
Stansel Insurance Agency Inc
A couple years ago I switched over to Allstate after a bad incident with another insurance company. My mother has used Randy Stansel for several decades and has no issues with claims and she really likes his staff. I have not had a claim yet, knock on wood, but I suspect it will get taken care of with his professional staff when and if it happens.
12/13/2012
By: aaron544
Commercialinsurance.NET
I am a small business owner who as been purchasing insurance from Seth and Sarah at commercialinsurance.net for the past few years. I have nothing to say but the best of things regarding the quality of service and pricing that I have been getting.
05/16/2016
By: Sharon S.
Farmers Insurance - Kyle Padilla
Thus far, I consider Kyle Padilla to be very cordial and helpful. He has given me a lot of good advice and has always been there whenever I have a question. I am so thrilled to have met such an honest, informative agent. He is like none other.
04/18/2014
By: Andrew W.
Stansel Insurance Agency Inc
Informative and helpful staff. Would definitely recommend to anyone needing home or car insurance quote. They even do life insurance and give a discount on my car insurance!
08/31/2016
By: Drue K.
Purcell-Prichard Agency
Mr. Purcell is the greatest! He really is concerned about his homeowners. Wished in all we deal with, that business would be more like Bill's.
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08/29/2012
By: jmcmoran1
Cross Timbers Insurance Group
I am very pleased with the service I have received from Keri Dennis. I highly reccomend this agency.
11/16/2007
By: vc0905
Stansel Insurance Agency Inc
I found this agency to be very helpful and friendly. A pleasure to do business with, thaks.
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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