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01/22/2016
By: Nikko S.
Allstate Insurance Agent: David Williams
Great agency all around from the staff to the customer service. Have a couple policies with them and I have had nothing but great luck! Would definitely recommend to friends and family not to mention the ease of access with being able to text the agency and get an immediate response back with any insurance needs! 5 stars is well deserved.
11/04/2016
By: Michelle V.
Urbanski Insurance Agency Inc
very helpful and best prices around town! Saved lots of money while supporting local small business owners. Love that they speak several languages in the office! I read some of the reviews and it is unfortunate that people only like to post negative comments. This owner has worked very hard his entire life to build his own business.
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04/23/2016
By: Tricia M.
InsuranceTrak Services
I have gotten my auto insurance through InsuranceTrak Services for a couple of years now. They always respond quickly and professionally to any questions I have had. The process of buying insurance is easy with them an they found me a great rate! I'm very happy with the service that I have received through InsuranceTrak!
03/18/2013
By: jamietrovato
Trovato Associates
This is a very good experience. Dealing with individual agents with so much industry knowledge and experience really makes the difference. Trovato Associates has the ability to shop your insuracne policies for you in house with multiple brand name companies. call them and you can speak with alive person right away.
03/18/2013
By: anecci
Trovato Associates
Everyone here is very helpful and knowledgeable. It is nice to have a local agent that I can go visit anytime versus dealing with a different person all the time at the other end of an 800 number. I love there are many options of insurance companies to choose from. I highly recommend this Agency.
04/25/2016
By: Donna G.
InsuranceTrak Services
Insurance Trak Services has by far, been the right choice for me. For the past three years, Craig has quoted me the lowest prices I could find anywhere. I had to put a claim in because of ice damage and they were excellent at assessing damage and paying claim. No complaints here!
04/22/2016
By: D B.
InsuranceTrak Services
We saved hundreds of dollars on our insurance package with excellent coverage with top rated insurance companies. This agency shops for you based on your individual situation and has the innovative tools to provide the best ongoing service I have ever had. Highly recommend!
01/25/2016
By: Nikko S.
Allstate Insurance Agent: David Williams
Daves agency is filled with great people who always lend a helping hand in even the most complicated situations, they always help me understand even the most complicated things that go into insurance, would definitely recommend to friends and family!
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04/23/2016
By: Jenny R.
InsuranceTrak Services
Just moved to the city of Rochester and got great quotes on my home and auto insurance. Craig and his team are friendly and personable and responded to my questions quickly. I would recommend insurance track to my family and friends.
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05/14/2015
By: Jason J.
The Born Agency
I have used the Born Agency for my personal and business insurance since 2009 and I wouldn't recommend anyone else. They are easy to work with and have always done more than expected.
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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