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09/21/2012
By: rjohnson245
Allstate Insurance Agent: Monica Baker
I have been with the Monica Baker Agency for the last 4 years. Recently I have had a claim and she helped me get it taken care very quickly. Her office always has taken great care of me. The office has contacted me on a few occasions to go through my coverage’s and has made sure my premiums have stayed low. I’m very happy with my agent.
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10/11/2015
By: Linda S.
Allstate Insurance Agent: Stephen Snyder
Allstate insurance is a great choice for our family and we felt extremely blessed to be introduced by one of our friends to Stephen Snyder and Associates Agency. These people know their business and are very courteous. You should see their gorgeous office.... how inviting.
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02/12/2016
By: Spencer O.
Allstate Insurance Agent: Stephen Snyder
Stephen was very helpful in assisting me with my insurance needs as well as other services. Recently, I moved to the area and he was extremely helpful in recommending other services that I was in need of. Thanks again for everything!
02/13/2014
By: Jared F.
Dennis Chaumont - State Farm Insurance Agent
Dennis and his staff are all extremely organized and do a great job at keeping everything on schedule. They keep me informed of any new information I might need, such as new coverage options, deals, or discounts.
11/18/2013
By: Josh T.
Dennis Chaumont - State Farm Insurance Agent
They transferred all of my auto policies back over to State Farm, which can be a hassle, but they handled all of it and it was a very smooth process. All of the staff here are great, hard workers.
11/02/2014
By: Peter N.
Allstate Insurance Agent: Stephen Snyder
This Allstate Agency did an excellent job at taking care of my insurance needs. I was very happy to know that they spoke Vietnamese as well as English to my Mother. I would highly reccommend!
11/25/2014
By: Taylor M.
Allstate Insurance Agent: Stephen Snyder
I am so happy that I found Stephen as my agent. He is always so caring and provides great service. I couldn’t ask for a better agent and I highly recommend this agency!
10/12/2014
By: Heather J.
Allstate Insurance Agent: Stephen Snyder
This is a great insurance agent! He knows his business and he helped me satisfy my needs in home and auto. It sure doesn't hurt that he's also very handsome.
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10/07/2015
By: Matthew N.
Allstate Insurance Agent: Stephen Snyder
Always friendly and helpful! Thank you so much for all of your help! I greatly appreciate it! I highly recommend this agency to anyone in need of insurance.
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02/06/2017
By: S S.
Allstate Insurance Agent: Larry Dumas, Jr.
You are in good hands with Mr. Larry Dumas team! They always take great care of my family and I. This is a SMART decision!
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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