Ellis Insurance Agency in Savannah, GA with Reviews - YP.com
08/29/2016
By: Connor S.
Allstate Insurance: David Pence
A seamless transition from my other Allstate Agent thanks to the David Pence team. since working with them, there has been not one complaint. They reason for my transition was to get an additional vehicle added onto my policy, which was done seamlessly.
12/03/2015
By: Kendra L.
Allstate Insurance: David Pence
David Pence has always been very helpful regarding our insurance policy. It's great piece of mind knowing that David will be there for us whenever we need his services. Thank you.
11/09/2015
By: Eric J.
Allstate Insurance: David Pence
I know I am in good hands being a client of David Pence and Allstate Insurance. Whenever I have a problem, I can call and know that everything will be taken care of.
10/21/2015
By: Gerald H.
Allstate Insurance Agent: Raymond Marquez Jr
I have been very pleased with my experience with Mr. Marquez and his staff. They are always polite when I call and are quick to reply to my requests.
06/23/2016
By: Susan F.
Allstate Insurance: David Pence
I have had no problems with all of my coverage's; homeowners, flood and my vehicles. I am very happy with Allstate and my insurance provider.
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06/06/2016
By: Eric O.
Denise Young - COUNTRY Financial Representative
My phone number is listed wrong. My actual phone number is 912-433-2796. Please give me a call for your Insurance and Financial needs.
03/14/2016
By: Sasha I.
Allstate Insurance: David Pence
Being a client of David, his team, and Allstate Insurance as a whole, it has been an excellent experience working with you guys.
12/28/2016
By: Preston E.
The Maurice Jones Agency
We have been clients for years - have always received excellent advice and service. We would heartily recommend.
12/08/2015
By: Cynthia L.
Allstate Insurance: David Pence
It has been excellent working with David Pence. We're pleased with our insurance coverages and our experiences.
10/02/2014
By: John S.
Savannah Insurance Advisors
Great prices and excellent service from people who care!
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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