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07/12/2013
By: reynoldleone
State Farm Insurance Companies
if you want auto insurance at the lowest prices contact ben tullos with state farm in shreveport,la.his office has a great staff of team members and they work really hard to help you with finding the right coverages at the best price.they really do deliver good neighbor service.state farm is a great company and ben tullos and his team are awesome.
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02/17/2016
By: Virginia B.
Horace Mann: VRB Financial Services LLC
Horace Mann: VRB Financial Services LLC has the best rates on life insurance, auto insurance and homeowner insurance for all educators and also provides retirement planning. I am very pleased with professionalism and great customer service
10/04/2013
By: thomasgroddy
Mickey Walker - State Farm Insurance Agent
Mickey and his staff take your State Farm Experience to the next level! They treat all their clients just like family! They are a good neighbor! Thanks to Mikey and his team for over 30 years of giving me the five star treatment!
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08/19/2016
By: Katie M.
Kilpatrick Life Insurance Co
We decided to go with Kilpatrick Life Insurance instead of other companies in our area because our agent went out of their way to guide us through the process and answered all of our questions.
08/11/2017
By: Miranda B.
Go Auto Insurance
The representative was very friendly & thorough with the information she provided! I was a bit hesitant initially, but the prices that were given for coverage made it worth the call.
10/10/2016
By: Monica W.
Kilpatrick Life Insurance Co
I'm satisfied with the services so far at Kilpatrick Life Insurance and I would recommend them to the rest of my family.
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10/23/2015
By: Susan B.
Union National Life Insurance Co.
Talked with my agent over a month ago to cash out my policy and now they want return my phone calls or texts????
03/24/2017
By: Tim R.
Kilpatrick Life Insurance Co
I definitely would recommend Kilpatrick Life Insurance Company. We had a very nice agent to work with.
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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