Insurance Springdale AR

Insurance is a form of risk management, where one party pays another to hedge against some type of loss. Insurance policies can be purchased for a number of different uses and to protect against a variety of losses. Life insurance, auto insurance homeowners insurance, and health insurance are some of the most common types that people pay for. In these instances people are hedging against sickness and loss of life as well as damage and destruction of property at the hands of others. There are differing laws throughout the country that govern the necessity of having certain types of insurance.

Farmers Insurance David McDowell Insurance
(479) 443-4100
908 E Rolling Hills Dr Ste F2
Fayetteville, AR
Alternate Phone Number
479-443-4100
Services
Auto Home Mortgage Protection Insurance

Todd Martin Shelter Insurance
(501) 985-9794
210 John Harden Dr
Jacksonville, AR
 
State Farm Insurance Companies
(870) 534-5012
2900 Olive Street
Pine Bluff, AR
Alternate Phone Number
870-534-5014
Services
Financial and Insurance Services

Farmers Insurance David McDowell Insurance
(479) 443-4100
908 E Rolling Hills Dr Ste F2
Fayetteville, AR
Alternate Phone Number
479-443-4100
Services
Auto Home Mortgage Protection Insurance

Coker Insurance, Inc.
(870) 239-2110
2200 Grecian Lane, #5
Paragould, AR
Alternate Phone Number
870-239-2110
Services
Auto, Home, Life and Business Insurance
Prices and/or Promotions
www.cokercompanies.com

The Dickinson Agency LLC
(501) 221-3000
9120 N Rodney Parham
Little Rock, AR
Services
Insurance

Derek McCoy State Farm Agent
(870) 425-9594
119 N College St
Mountain Home, AR
Alternate Phone Number
870-425-9594
Services
Insurance and Financial Services

The Newell Agency
(501) 224-9082
11311 Arcade Dr., Suite 100
Little Rock, AR
 
Allstate Insurance Quotes - Candice Stanley
(501) 847-1115
2305 Springhill Rd Ste 3
Bryant, AR
Services
Auto Insurance, Home Insurance, Car insurance, Life Insurance, Business Insurance
Prices and/or Promotions
Combine Insurance Policies and save! Call for an Insurance Quotes

Nationwide Insurance Quotes - Chuck Jordan
(501) 624-4105
813 Airport Road
Hot Springs, AR
Alternate Phone Number
800-354-3109
Services
Car Insurance, Home Insurance, Business Insurance, Auto Insurance, Insurance Quotes, Insurance Consulting
Prices and/or Promotions
Combine policies and save!

Insurance

Insurance


Term Insurance or Whole Life Insurance?
By Jonas Zamora
March 13, 2007
Jonas Zamora is a Certified Financial PlannerTM professional. You may contact him at jzamora@zacks.com

There are two main types of insurance – term and permanent/whole life insurance. For many, term insurance is a good route because it is the least expensive life insurance. Some folks like the many bells and whistles that go with permanent insurance along with life time coverage. Of course this makes whole life insurance more costly.

Term Insurance

Term insurance is the least expensive. Benefits are payable at death as long as it occurs during the term of the policy. Coverage is purchased at a specific price for a specific period – the length of period can range usually from one year to 30 years.

If you have certain expenses that need to be paid off during a certain period, term is the way to go. Such expenses, like your mortgage or college education for children, are great examples of this. Let’s say you have a 15-year mortgage and your debt is $250,000. You may consider a 15-year policy to protect your family for the amount you owe. Same thing if you have young children. Match up the amount of insurance you buy with your expected tuition bill. Keep in mind that you must adjust today’s college expenses for inflation.

Remember that term insurance is inexpensive because your coverage lasts for a limited time and there is no investment component. The money you save by purchasing term instead of whole life, however, could always go into your own investment account or disability insurance.

Whole life/Permanent Insurance

Permanent or whole life insurance is more expensive and it covers you whether you die today or when you’re....

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Home Insurance

Over the last decade, the inflation cost of construction has far outpaced other sectors of the economy. If your homeowner insurance policy has not kept pace, you may have a coverage gap to be concerned about. Additionally, property owners create another coverage shortage by not advising their agent about additions and alteration upgrades. Most homeowner insurance policies contain clauses requiring an Insured to notify the agent and or insurance company when a renovation or addition increases the property replacement cost. The company is only obligated to pay up to the replacement cost of the documented square footage. You, as the homeowner, would have to make up the difference.

Attribution: All Choice Insurance Agency INCORPORATED

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