All State Locations & Hours Near Owensboro, KY -
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By: Gesser H.
Allstate Insurance: Kent Banning
Kent Banning is probably the best insurance I've ever had. He is awesome! I brought my home and auto insurance to Allstate and saved a ton of money!
By: Michele B.
Cox Shane Insurance Inc
I couldn't find affordable insurance anywhere a few years ago. I found Shane Cox Insurance and took a chance and called them. They found me good insurance at a reasonable price. Anytime I've needed them they are there to help!
By: Ivy H.
Allstate Insurance: Kent Banning
I have been very satisfied with Kent Banning and his staff. I wouldn't go to anyone else for insurance in Owensboro, KY!
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By: angela.coxmccarty
Assured N I Insurance Agcy Inc
Great company. been with them for many years, always great service and great prices! I would recommend this company to everyone,
By: Kathy C.
Allstate Insurance: Kent Banning
I really like the fact that when I call they answer the phone. I know that sounds weird, but most of the other agents I have had seemed bothered that I was calling them when I needed questions answered. This agency doesn't do that, in fact, they are extremely quick to answer and help out.
By: Charlie H.
Allstate Insurance: Kent Banning
This is the best agency in Owensboro! Great Staff, Great Agent, Great Company to work with. Allstate has really been there when I need them.
By: Carl J.
Allstate Insurance: Kent Banning
I have been a customer of Allstate for about 20 years. I had previously dealt with another agency here in Owensboro, but asked Kent to be my agent 3 years ago. At that point everything changed. I got an explanation of my coverage's, I was able to get in contact with his office when I needed help, and I finally felt like I was actually in "good hands". I can honestly say that I have the best agent in Owensboro.
By: Jake L.
Allstate Insurance: Kent Banning
Saved us more on home insurance than I could have ever imagined. If you have a new roof because of the hailstorm I suggest you call Kent's office. Our price was 1/4th of what it was with State Farm.
By: Norm S.
Allstate Insurance: Kent Banning
Kent has been our agent for the past 7 years. He is very helpful and is always there for me if I have any questions. If you're in Owensboro, and need insurance, I would suggest calling him!
By: Carla L.
Allstate Insurance: Kent Banning
Kent's agency is the best in Owensboro! He saved us 400/year on our auto and home insurance, so I'm super happy!
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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