Bankers Life Locations & Hours Near Saint Joseph, MO -
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By: Sandra S.
The staff at AIS is so hands on and responsive! They make themselves available whenever you need to get a hold of them. Highly recommend!
By: Claire U.
John Joe Insurance Agency, Inc.
Todd and the staff at John Joe Insurance Agency, Inc. are friendly, knowledgeable, and easy to work with.
By: Jerry Z.
John Joe Insurance Agency, Inc.
Todd at John Joe Insurance Agency, Inc. is attentive to our needs. He responds in a timely and professional manner.
By: Lauren P.
AIS has a great team full of hard workers and very positive and friendly helpful attitudes. Whenever I talk to someone they are very kind.
By: Zack S.
I have been a client of AIS for about a year and I cannot ask for any better service. I am glad my friend very highly recommended AIS to me and that I took that advice.
By: Hanna B.
AIS compared to other insurance companies, they go above and beyond for their clients. They are always keeping me informed about any changes or any ways that I can benefit even more.
By: Dave F.
I have been AIS's client for about 6 months now and I could not be happier with their service. I like that they are very hardworking people and that they really care about their clients best interest.
By: Stephanie H.
I've been working with Affordable Insurance Solutions for a while now and it has been a great experience. They are always there to help and are great about getting back to you quickly.
By: Chris M.
Everyone at Affordable Insurance Solutions does a great job of explaining everything really well so that I know exactly what's going on with my policies.
By: Tom W.
The staff at Affordable Insurance Solutions are real hands on people. I would highly recommend them for all your insurance needs.
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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