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09/08/2014
By: Marah S.
The Kirksey Agency, Inc.
For a couple years now I have been a client of The Kirksey Agency. I really loved the Christmas basket they sent out last year, it was just very nice and thoughtful of them. The staff at The Kirksey Agency are all very nice. They are always informing me on any discounts they may have which is great.
05/21/2015
By: Carter M.
The Kirksey Agency, Inc.
The agent we worked with from The Kirksey Agency was very polite and very knowledgeable about the policies. He worked with us to get the most coverage for our budget. We were very happy with the service we received.
02/05/2015
By: Jason B.
The Kirksey Agency, Inc.
The Kirksey Agency is very good at what they do and they really know their products well. I am very happy with them, I just feel they are very helpful and they do a great job at making sure I have the best policy.
11/04/2015
By: Elliot P.
The Kirksey Agency, Inc.
There is nothing that I can think of that The Kirksey Agency, Inc. could possibly do to improve their services. They are all such great people and I am very satisfied doing business with them.
11/23/2015
By: Betsy S.
The Kirksey Agency, Inc.
I have been a client at The Kirksey Agency for around four years now. The team there is always very clear with any answers that they give me and make sure I am very aware of new information.
10/15/2015
By: Jon S.
The Kirksey Agency, Inc.
The services that I get at The Kirksey Agency are always very responsive. It is great working with people that truly care about giving their clients outstanding customer service.
09/03/2015
By: Dave B.
The Kirksey Agency, Inc.
The Kirksey Agency has very helpful agents who go above and beyond to help their customers. I have been so happy with the service I have received. I would highly recommend them.
05/20/2015
By: Crystal H.
The Kirksey Agency, Inc.
The really care about their customers. they go out of their way to get everything right and as quickly as possible. They are a good company in every way, very reliable.
07/22/2015
By: Stacy N.
The Kirksey Agency, Inc.
This is honestly such a great company and they always provide such excellent customer service. The agents work so hard to ensure the best rates and coverages are given.
06/02/2015
By: Lee H.
The Kirksey Agency, Inc.
We highly recommend you giving TKA a chance because they will give you exactly what you are looking for. They have competitive prices and excellent customer service.
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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