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08/28/2014
By: Dwight S.
Allstate Insurance Agent: Family Insurance Agency
This is the first time in my life where an insurance company didn't treat me like i was a number and actually want to know everything about me. Its nice to call up my agent Michael and him knowing exactly who I am, and not having to answer a bunch of questions other than how my weekend was, or my vacation, as well as asking how my Wife, Daughter, and 11 month old Son are doing. Very knowledgeable and get treated like I'm a friend.
08/28/2014
By: Luna D.
Allstate Insurance Agent: Family Insurance Agency
I just purchased my auto and condo insurance from this agency. My agent, Lauren was very informed and helped me pick out the right coverage for my condo. I learned a lot of things about protecting my family and my assets. This is a great agency because they don't just want my money, they want to make sure my family is protected. Plus I saved 500 dollars for the year which was a bonus!!
08/28/2014
By: Penelope P.
Cheryl Bowker - Allstate Insurance Company
I just saved over $800 on my home and auto insurance! I switched and they are the nicest insurance agents I have worked with. They return my calls quickly and I always talk to a live person. I am so glad a switched!
01/18/2013
By: cantonchic
Allstate
Awesome Staff! Great people Highly recommended
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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