Colonial Life Insurance Locations & Hours Near Santa Fe, NM - YP.com
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09/21/2016
By: Marie W.
James Armijo - State Farm Insurance Agent
I had to have my roof repaired due to hail damage, etc. I had the pleasure of working with Kathy Ward who handled my claim in a very professional and efficient manner. She stayed on top of everything from initial claim report to completion. I recommend her highly!!!! Sincerely, Marie Wright-Pugh
04/12/2016
By: Bobbie F.
Garrett Seawright - State Farm Insurance Agent
Garrett has been my State Farm agent since his wonderful mother retired. I've been with them for 33 years and could not ask for better service. Garrett has become a dear friend as well as my agent and I would highly recommend his agency based on his desire to put clients above profit. He truly wants what is best for his customers, and his team reflects his caring outlook as well.
01/29/2015
By: Cantana L.
Met Life Auto & Home Insurance
A really unprofessional company. They do not return calls after 15 calls! Not sure if they are still in business. I would try a different company that will respond to a simple inquiry.
10/29/2014
By: Deborah R.
Casita Insurance
The staff at Casita Insurance went above and beyond for me to get the best and most affordable insurance for my home and car. They also helped me through a tough situation when my condo was broken into. I felt like I received the best service and support I needed.
10/14/2014
By: Carl K.
Casita Insurance
Casita Insurance Handled my home mortgage and home insurance with great expertize and friendliness.
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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