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03/27/2017
By: Leah F.
Scott Raley: Allstate Insurance
Scott is the most reliable, friendly and professional agent any customer could ask for. He is always extremely transparent with how the cost of coverage through his agency compares to his competitors and always works to get me as many discounts as possible to keep more money in my pocket. I am grateful to be able to call Scott when issues arise and know I'll have a patient advocate for my best interests on the other end.
03/27/2017
By: Robert J.
Scott Raley: Allstate Insurance
We have been with Scott Raley Allstate Agency for 12 years. They have always provided exceptional service going above and beyond for our customer satisfaction. We are especially grateful for their patience with the many questions we throw at them. We are thankful for their availability to guide us through the process of finding the right insurance options for us.
03/27/2017
By: Ross R.
Scott Raley: Allstate Insurance
Excellent customer service and the sort of professional expertise you expect from an agent who has been advising his clients on insurance for many years.
03/27/2017
By: Ross R.
Raley Scott Insurance Agency
Scott Raley Insurance provides the excellent, professional insurance experience that all customers deserve.
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06/15/2016
By: Sabrina C.
Kelly Lee Insurance
Good people and because they write for multiple companies they can find great rates. Give them a call.
03/27/2017
By: Ellen R.
Scott Raley: Allstate Insurance
Always offering reviews of policies and answers all questions.Friendly staff and knowledgeable staff.
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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