Allstate Insurance Locations & Hours Near Woodway, TX -
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By: sfarmclient
Brian Wenzel - State Farm Insurance Agent
Great place to trust with your insurance
By: jeanpeduzzi37
Life Partners Inc
I invested in this product last year because I could not find decent returns on CDs. I am very conservative and need to know my money is safe. I am happy with the customer service I have received.
By: santosjohnson68
Life Partners Inc
With Life Settlements, LPI has been the best of all companies I have used or seen. I would highly recommend LPI to anyone.
By: willisschroeter36
Life Partners Inc
I am a CFP and have been in the financial services industry since 1968. I personally invested in and sold viatical settlements offered by LPI back in the mid 1990s. They paid each and every time a policy matured and it was never short. My clients and I got good to excellent value and there was never a hint of the D word, default.
By: elicassel96
Life Partners Inc
It is with great comfort knowing that I will be paid upon maturity by a legal reserve life insurance company. It is the safest investment that I have in my portfolio without a doubt!
By: timtaylor111
Life Partners Inc
I purchased six Life Settlement policies two years ago from my Insurance agent Mike Johnson. The procedure went smoothly and professionally. One of the policies has matured and I rolled it over and purchased two new policies. I no longer worrry about market fluctuations for this portion of my IRA. That's more than I can say about my mutual funds!
By: bobmangold136
Life Partners Inc
I am an investor as well as a licensee. My results have been spectacular both as an investor and as a licensee, Life Partners goes above and beyond in disclosures and compliance. What the government has done to this company is another example of government over reach and intimidation. I highly recommend Life Partners.
By: jeremyheimbach
Life Partners Inc
I have been working with and for Life Partners for nearly 7 years and could not be more impressed with the integrity, humility, and honesty with everyone I have dealt with. The leadership really does care about the investors and always strives to do what is best and right.
By: daleturns
Life Partners Inc
Pros: 1) Will probably have the best ROI of any kind of low risk investment in today's market. 2) Impervious to market fluctuation 3) Good place to park long-term investment monies, i.e., 401k, IRA, ROTH. Cons: 1) Not very liquid - once in contract, plan to stay in 2) Trusting that the Life expectancy estimate is accurate on the contracts 3) An investor must understand that a premium call will require some addition funds to maintain the position. All things being equal, Life Partners has one of the best long term investment options around. Even if a life expectancy estimate is missed by 2, or even 3 or 4 years, the ROI is still better than just about anything out there today - with virtually no market risk!
By: jamesperry1
Life Partners Inc
As a licensee of LPI, I could not be happier with the products, management, support, professionalism and honest approach to investing. I am extremely proud and honored to be affiliated with an organization with a huge heart, honest to the core and true believers in making everyone around them successful. I have been in the business world for 4 decades and this is the best run company that I have had the good fortune to be associated. Reviews to the contrary simply have an agenda not consistent with a well run, profitable and fair enterprise. LPI reeks of integrity and everyone affiliated with them that I know will tell you the same thing Investors are making very good returns well above the norm in a very secure instrument. Do yourself a favor and take a close unbiased will be glad you did.
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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