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02/27/2016
By: Bob L.
Allstate Graham-Carl Agency
Have been working with the Team over at Graham Carl for about 4 years now and could not be happier with their service and support. With a house, 5 autos and an atv there is plenty to stay on top of regarding making sure that I have the best coverage at the best rates. They don't wait for me to ask....they do! Had a claim / accident a few years ago and they were more concerned about the driver (my wife) then the vehicle. As for the vehicle, they were all over making sure that I was taken care of. Looking for the best....search no further
02/28/2016
By: tricia48025
Georgia Burger - State Farm Insurance Agent
Al and Denise at Georgia Burger State Farm have been handling my insurance for 20 years. They've handle 99% of my issues over the phone, which is huge when life gets busy. They provide excellent customer service always with a pleasant attitude.
10/08/2014
By: Bruno V.
Allstate Insurance Agent: Scott Behn
I have been with this agency for over 30 years (going back to the Sears office with Bill) They have always treated me well and been very helpful. I don't hesitate to refer my friends to them.
11/06/2008
By: alanburger
Burger Georgia
When you enter the office, you are treated like family, (and not the red headed stepchild). Georgia and her staff take their jobs seriously, yet in a relaxed atmosphere.
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05/29/2012
By: abulldog08
Allstate Insurance Agent: Andy Benson
The Benson Millar Agency treats their customer like family. They are fast, friendly, professional, and knowledgable!
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06/16/2015
By: abulldog08
Allstate Insurance Agent: Andy Benson
Larry and his team will always give you respect, honesty, and a great service!
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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