American General Locations & Hours Near Pensacola, FL -
By: Ashley P.
Pittman Construction Company LLC
Mr. Pittman just finished doing an amazing job on my home improvement needs. My husband and I bought a dated home a year ago and thought it was time to spruce up our kitchen. We enlisted the help of Pittman Construction and he went above and beyond to give us exactly what we wanted and more! He also poured a nice concrete slab behind our house and created a beautiful patio for us to enjoy! We are very very pleased with his work, we will definitely be hiring him again!
By: pcolagasbuddy
Underwood Anderson & Associates Inc
Agent has been courteous and helpful in researching ways to reduce premiums. Has worked well through phone and Internet correspondence. If you bring them a check for a premium payment, and it is dated for the future, they will draw funds by electronic payment from your routing and account number on it on the day of receipt without notice. Beware if you have insufficient funds at that moment.
By: Laura E.
Underwood Anderson & Associates Inc
I spoke to Johanna on 9/12/2017 about getting a new quote for homeowners and windstorm insurance. She was helpful, professional, informative, and friendly. Her conclusion, (unfortunately for me!) was that she couldn't do any better than the agency I currently use, but I will definitely contact Underwood Anderson in the future for insurance needs. Thank you Johanna!
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By: Jeff M.
Gulf Winds Federal Credit Union
I originally had 3 real estate loans for over 10 years with Gulf Winds Federal Credit Union. I paid off one and tried to work with them on the other 2. They were not helpful after months of requests. I would NEVER use or recommend them to any one else.Jeff
By: pcolagasbuddy
Central Credit Union
Been a member since the 1980's. Great loan rates. Service is excellent. Great mobile app to manage everything online. Branch locations downtown, Cordova, and Nine Mile Road. When problems have come up, they always work things out to satisfaction.
By: Marcie T.
GEICO Insurance Agent
I do like Geico but sometimes their customer service agents aren't so nice, probably just too busy but sometimes I feel like they don't care about me or my policy. They just want the money
By: jessie1955
McMahon Hadder Insurance
Wonderful understanding folks, really care about their clients. Some of the best prices in town. Really took the time to explain what I was buying and gave me plenty of options.
By: Jack F.
Pulos & Associates Insurance & Bonds
I insured my business with Pulos. The service was fast and excellent, but best of all was the most affordable.
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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