Male Non Smoker Best Rate Class age 37

20 Year Term $100,000 $250,000 $500,000 $1,000,000
Local Life Agents $10.30 $15.22 $24.85 $43.76
State Farm $16.30 $23.93 $37.00 $60.05
Farmers $28.35 $34.56 $56.85 $100.18
All State NA on site $40.92 $73.04 $NA on site

By having access to numerous carriers, independent agents are much better able to serve clients’ needs in terms of coverage than a captive insurance agent – and the premium prices that you pay.