By: gr8fam
Allstate Insurance Agent: Kevin Miller
I love the people in this office. I'm not sure what experience the other poster had, but they're a very knowledgeable and well-trained staff, in my opinion, and they're always happy to help me if I call or stop in with a question or a change to one of my policies. I never have a long wait time and they always take whatever time is necessary to make sure all of my questions get answered. I have never felt "hurried" or unappreciated, and have felt like a valued customer. I originally only had a homeowner's policy with Allstate, but because I trusted my agent (Kevin) and the staff at this office, I felt more secure/comfortable moving my other policies (cars/boat/Homeowner) over from my former carrier as well. Chris is a very competent manager so I usually deal with him, however, Kevin has always been available or returned my calls promptly (and has always been very friendly) if I wanted to speak with him directly. I would (and have) recommended this agency to my other family members and even a few friends of mine who were not formerly Allstate customers. My business will remain with this office as long as I'm a resident of Florida. (And I'm not going anywhere!) Thank you, to this fine group.
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By: Beth H.
Amistad Insurance
I've read a lot of negative reviews but I guess those were with Infinity Auto Insurance, one of the companies Amistad uses to insure drivers. When I had a claim they really put me through the ringer before finally paying me for repairs. But their prices are much lower than most if not all the others and that makes it worth it. Perhaps that's how they keep their prices low by weeding out false claims. But Amistad is great. Very nice and helpful staff.
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By: gweiner1958
Widner Mary
Mary and her team saved me hundreds of dollars on my Auto Insurance. Thanks Mary!I would recommend using their services for ALL of your insurance needs. Honest, friendly, and reasonable too!
By: Alex P.
Katharine Adams-Love CIC, CPIW, LUTCF: Allstate Insurance
Great to work with! Katharine and Debbie are the best! They will get you something within budget and make suggestions to get the most for your money!
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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