Allstate Insurance Agency Locations & Hours Near Pearland, TX -
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By: Jimmy F.
Farmers Insurance - Rick Tinker
I got policies for all the laborers in my factory from Rick Tinker to compensate if any accidents ever happen. Although my workers are grateful to me, I am more grateful to Rick Tinker.
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By: Leslie G.
Farmers Insurance - Rick Tinker
Alvin is infamous for heavy windstorm and being an Alvin resident, I needed an effective windstorm insurance. My search ended with Rick Tinker Insurance.
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By: Kenneth D.
Farmers Insurance - Rick Tinker
I was looking for affordable flood insurance for my property. On a friend’s recommendation, I called Rick Tinker Insurance. Needless to say, their agents provided me an exceptional service.
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By: Martin G.
Farmers Insurance - Rick Tinker
Last time we sought insurance with Rick Tinker, we received a great lesson from the insurance experts. They comprehend our daily operations, exposure to loss and risk assumption capabilities.
By: Khristine M.
State Farm: Kyle Angelle
I recently called for townhouse insurance. Amber got me a good rate & we discussed all the particulars, including a small fire a few years ago. She also let me know that my current company was overcharging me. I called Liberty Mutual, yelled about overcharging me since 2004 & cancelled my policy. They informed me I'd have a $271 bill coming for cancelling. Days later Amber called saying that she was so sorry but they'd have to cancel my policy because of the fire, effective on March 28. Then I got a letter dated March 14 saying they (State Farm) were cancelling my insurance ON MARCH 14 and the letter wasn't even run through the postage meter until March 16. I wrote a detailed letter to Mr. Angelle asking him to contact me. He never did. I've set up a gmail just for this. If you want more info, please feel free to email me.
By: acend
Nationwide Insurance
They really work with the customers to try and figure out what you need first and then craft a policy for you.
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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