The Largest Independent Insurance Agency Group in Alabama

Life Insurance to fit your budget and needs

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. ​
​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.
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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 Gene or Allen at (205) 776-1680.
​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.