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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.
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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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.
10/26/2012
By: marv.eisen
Allstate Insurance Agent: Stacey A. Kujawa
Great service from experienced, knowledgeable agent. Excellent office staff and friendly phone greeting. Very helpful in analyzing client needs and suggesting policy features.
05/12/2017
By: M S.
Urbanski Insurance Agency Inc
Great prices. Professional. Very helpful.... I appreciate that they shopped around until they found the very best policy. Highly recommended.
11/08/2013
By: greg978
Allstate Insurance Agent: Antonio Gimmillaro
Very knowledgeable agent and staff, great rates saved my family and my wife parents tons of money and gave us more coverages
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10/03/2016
By: Nancie S.
Susan Spitale, MetLife Auto & Home
Great personal expeience and a large savings for my insurance.I got more insurance for less money you cant beat that!!!!!!
04/10/2015
By: Carl B.
Quinton Insurance
Quinton Insurance provides me with both my personal and business insurance. They're fantastic and very helpful.
01/26/2015
By: Kate H.
Quinton Insurance
I've been getting my business insurance through Quinton Insurance for many years. They do a really great job.
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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