08/01/2017
By: Tammia M.
Kenneth James - State Farm Insurance Agent
These are some of the most awesome people there are in the insurance business! All of the employees in this office are knowledgeable, professional, courteous, and total pleasure to work with! They have always answered my questions, and gone over and above to help me out in some stressful situations!! I would recommend them to any and everyone I know!
04/29/2013
By: dutyga
Chad Cobble Insurance Agency Inc
Not sure what's wrong with the person below, but I had a good experience with this agency. Great customer service and they got me the coverages I needed at a great rate! Would definitely recommend to all my friends!
04/29/2016
By: Jason F.
Bhj Insurance Agency
We've been using BHJ for years and have had wonderful service and assistance! They were so helpful through a difficult time in our organization and I recommend them to all friends when the topic of insurance comes up.
10/03/2013
By: j121212
Mike Earles - State Farm Insurance Agent
What an awesome agent! I have been here for 8 years and have never once had an issue. Everyone in the office is friendly and always willing to help! And he has beaten any price I have EVER recieved from anyone!
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12/09/2015
By: Kelsey L.
State Farm Insurance
I had a great auto insurance experience with Janis Yearout. State farm . We recently moved to Oklahoma City Ok. I have always had State Farm but my experience with this agency taking care of our family.
05/17/2016
By: John V.
Farmers Insurance - Tracy Jameson
Went to get a quote and Tracy went out of his way to make sure we completely understood everything. Staff was friendly and helpful at all times. Bi Lingual staff made a Great experience.......
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11/10/2015
By: Lindsay C.
Farmers Insurance - Linda Case
Most friendly staff and agency I have ever done business with. Linda goes above and beyond for me and treats me like family. I will always be loyal to Linda Case and her agency!!!!
06/19/2012
By: emily.avila2
Liberty Mutual
this is my local office and i call here instead of the main number. They are very courteous and friendly. they are always happy to help and go the extra mile. i love this office!
01/09/2013
By: robin.patchen.3
InsureOne
What a family-oriented place. I was so impressed with the owner and the agents. Plus, they helped me find insurance I could afford. I highly recommend Will Insure.
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09/04/2015
By: Mary dennis W.
Ed Dater - State Farm Insurance Agent
Fantastic agent. All staff is very knowledgeable and helpful. Proud to say that we have been with them for over 40 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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