Allstate Claims Office Locations & Hours Near Spokane, WA -
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By: zhangoler
Allstate Insurance: Andrew Cline
For the past 6 months I have had the opportunity to work with them in many different business opportunities. There as so many things that this agency do very well, but the thing I like the most is their attention to detail SERVICE AND PRICE. Thye utilizes many different tools to better connect with thier clients - and I think that is another trait that separates them from other insurance agents. If you are looking for insurance, or if you are a small business owner and want advice on how to grow & market your business, They are a great resource and agent!!!!
By: gonecountry2001
Adrian Darrington Agency
I am impressed with the quality of coverages I am offered. The agent, Brandon Toft, is very sincere about his concern to help keep others protected. He will definately have my business for years to come. I will be recommending him to my family and friends. I highly recommend contacting his office for a free consultation review of your current coverages and the coverages that he can provide for your family!!
By: Jay T.
American Family Insurance - Nathaniel Leach Agency
Greg Really cares and goes the full distance to give the best product for the best price. It didn't take long for me to think of everyone in the office as friends and family !!! Jay W. Thielen Sr.
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By: Matt B.
Farmers Insurance - Matthew Benjamin
AJ Johnson — 5 starMatt has done a great job with my Auto and Home owner's policies. He has been very attentive to my needs and has saved me money in the process. Highly recommended!
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By: Katie B.
Very nice and friendly. The got back to me the same day I put in an inquiry and they seem to have professionals who know what they are talking about.
By: Sherry E.
U Save Insurance
One of the best customer service experiences I've ever had! I will recommend U Save insurance to everyone I know! Thanks Mark!Sheryl Emmitt
By: rachel.milbourne.1
Serenity Personal Insurance
Customer service was amazing. Couldn't have Been easier. Thank you!!!
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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