Allstate Claims Office Locations & Hours Near Columbia, MD - YP.com
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06/16/2015
By: Dorcas M.
Chuck Norris Morgan - State Farm Insurance Agent
Friendly and helpful staff.very professional and respectful
08/18/2014
By: S K.
Chuck Norris Morgan - State Farm Insurance Agent
I have been insured with his office for almost 17yrs. After moving and canceling my home owners policy with State Farm my car insurance sky rocketed to $840 bi-annually. I expected a bit of an increase. My multi-policy discount for both home and auto was around $530. But, a $300 rate hike. I have not received a speeding ticket or been in an accident in over 10 years. After calling the office and speaking to an employee, she stated that I lost my multi-policy and multi-vehicle discount. Multi-vehicle? I only own 1 car. Come to find out, they still showed I lived with my parents even though we had different addresses and both carried home owner's policies on 2 different addresses. When I questioned the employee, she stated they don't check their own records. And because I cancelled my home owners and said I was moving in with my fiancé, she knew it wasn't with my parents. I am completely blown away. They are shady and claim ignorance/stupidity when you point out how their actions are unfounded. They don't care all they want is your money. Do not give these people your hard earned money. They do not care about you. No one cares that I cancelled my policy. Take your money and go to an agent that isn't a scam artist. I have.
01/22/2014
By: Karen W.
Chuck Norris Morgan - State Farm Insurance Agent
I've been insured with Chuck Morgan's office for over 20 years and always receive excellent service!
05/20/2013
By: squirrelly1
Allstate Insurance Agent: Coyle, Perkins, Houston Agency
Stay far away! This agency raises rates without notice and has hidden fees. No response to emails until you threaten them. Awful customer service, they overcharged and refuse to refund money.
02/13/2013
By: suejones
Allstate Insurance Agent: Coyle, Perkins, Houston Agency
Buyer beware. There's nothing nice to say about this agency.
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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