Alabama Insurance Agency
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  • Join Our Team
  • One-Stop Shop for Insurance
  • Get a quote
  • Personal Insurance
    • Personal Auto Insurance
    • SR22 & SR22A Insurance
    • Homeowner Insurance
    • Condo Insurance
    • Renters Insurance
    • Mobile Home Insurance
    • Farm & Ranch Insurance
    • Home Warranty Appliances
    • Home Warranty Utility Lines
    • Vacant Property Insurance
    • Motorcycle Insurance
    • ATV Insurance
    • RV & Camper Insurance
    • Watercraft Insurance
    • Flood Insurance
  • Business Owners Insurance
    • Commercial Property Insurance
    • General Liability Insurance
    • Umbrella Liability Insurance
    • General Contractors Insurance
    • Builders Risk Insurance
    • Landlord Insurance
    • Artisan Insurance
    • Barber Shop Insurance
    • Hair Salon Insurance
    • Restaurant Insurance
    • Special Events Insurance
    • Surety Bonds
    • Workers Compensation
  • Commercial Vehicle Insurance
    • Dump Truck Insurance
    • Tractor Trailer Insurance
    • Motor Truck Cargo Insurance
    • Trailer Interchange Insurance
    • Tow Truck Insurance
    • Waste Haulers Insurance
  • Life Insurance
    • Final Expense Insurance
  • Make a Payment
  • Locations
  • Insurance Tips
  • Join Our Team
Alabama Insurance Agency

Low Cost Life Insurance

What does life insurance cover?
Life insurance is a way of helping your family cope financially when you die. It is intended to provide help to your loved ones when they can’t rely on your salary or income any longer.
The payout can be used to clear debts, pay off the mortgage or just cover everyday expenses. It could even pay for your funeral if you haven’t set anything aside for that.
How much life insurance do I need?
It all depends on your personal circumstances as the amount of cover, also known as the ‘sum insured’ can be different for each family.
Let’s say you are married, have a large mortgage and four children, you are going to need more cover than a single parent with a two bedroom flat with one child.
Most of the time, the recommended amount to be insured is 10 times your annual salary or income. But obviously, you should make more detailed calculations to make sure you are fully covered. ​
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JOIN OUR TEAM
Alabama Insurance Agency, Inc. and ALASTAR Insurance Agency, LLC has perfected the agency/owner model of managing and operating an Independent Insurance Agency,  Our agents focus on the client relationships, building a sales force, and operating a profitable agency in which they have an ownership interest. 

WANT TO OPEN YOUR OWN LOCATION?
​Our turn-key operation is a one of a kind in the industry. We offer high commissions and renewal payout rates, as well as access to more than 50 competitive insurance companies.
Want to know more?


Gene Ruggerio, President, and Allen Vest, Vice-President, invite you to schedule your own virtual/phone consultation in learning more concerning: how/what/when and most importantly why you should make the switch to being an independent agent today. Contact them at (205) 776-1680.