Insurance Agents Allstate Locations & Hours Near Virginia Beach, VA -

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By: Elizabeth C.
Prosper Insurance Group
I was recommended to contact Shawn at Prosper Insurance by a good friend of mine, who also happens to be my Realtor, while looking for Home Owners Insurance. Since my husband and I are first time home buyers, and I am the one doing the "hard work" of getting all the paperwork in order, I was a little overwhelmed with all of the information out there. Shawn was wonderful and worked amazingly fast to get me not only Home Owners Insurance quotes, but quotes for Auto, Flood, and Term Life Insurance as well. I called the company my husband and I have been using for the last 4 years as our insurance provider (renters, auto and life) to get a Home Owners Insurance quote from them and spent a lot of time on the phone and felt like I was being sold something. The quote wasn't that much better or worse from what Shawn had given me, but since Shawn had gone out of his way to get quotes for those 3 policies on top of the Home Owners, we decided to go with him (plus the rates and policies he gave were better than what we currently have). Shawn is very easy to talk to, explains things well and makes sure all of your needs are covered, all without making it feel like a sale. He is easy to reach via phone and email. I have also been in contact with his co-worker Peter about getting a more specific Life Insurance policy quote (which,when bundled with our Auto coverage, will help our Auto Insurance rate go down). Peter also explained things very well and since I have never in my life shopped for Life Insurance, I felt very comfortable talking with him. All in all, the folks at Prosper Insurance Group seem like a well rounded, level headed group that don't make you feel pushed into a sale and I would highly recommend at least calling them for a quote or estimate.
By: mommaz3
Matt Abbott - State Farm Insurance Agent
After moving to Virginia, we needed to find a new insurance agent. We knew no one here so I just googled insurance agents that represented the same company that we had in Ohio. We hooked up with an agency that at first seemed competent and friendly. While they continued to be friendly, the competence became an issue. Within 6 months, our insurance file became over 1" thick with all of the changes and paperwork that we got. It was information overload and so confusing for us!. I met Jessica through a networking event. She was clearly passionate about insurance and saving her customers money. I contacted her and dropped our enormous file off at her office for her to review. Within a couple of days, she had weeded through the file and had a recommendation for us that not only increased our coverage but also saved us a substantial amount of money. Since then, we have had to contact their office several times and all have been positive experiences. Jessica and the receptionist have taken time to answer questions, help with claims, and also provided recommendations for us for to make small changes in our coverage to save money. Jessica's extensive knowledge of property and casualty insurance, coupled with her passion for her job has made working with her agency a very positive experience!
By: Jeff F.
Cooksey Insurance Agency
My name is Jeff Fox, I own Marlin motors and Marlin motors auto service. I have been With Cooksie Insurance for 18 years. I met Gary Cooksie many years ago and was very impressed with his personal attention and professionalism. Ever since he has provided me with all of my insurance needs. That includes commercial ggarage insurance for my service center. He also provides me with the best insurance rate for Dealer Insurance. He also has provided Health Insurance my entire employee staff and my family's health insurance for the last 12 years. I just locked in my new insurance with the new Obama healthcare program. Talking about a very confusing program, Cooksie Insurance made it very very easy!!! I can tell you right now, that there is no insurance company that I know of in the Tidewater area that knows and has the information about this new government program like Gary Cooksie. If you want price, product, and service, in the health insurance field, Gary Cooksie and Cooksie insurance is to place to go!!!! Hands-down, they are the only place I know, again, that has the information that you need for this new government health program. Call Cooksie Insurance now, you will not regret this!!!! Jeff Fox President of Marlin Motors
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By: Christine C.
Prosper Insurance Group
I was able to get multiple policies with Prosper Insurance: Umbrella, Auto Insurance, and Home Owners Insurance. Joel was able to quickly respond to my questions and offered me an accurate quote within a few hours of calling. He works extremely efficiently and was completely transparent in what everything means. I had him review some of my old policies and he was able to fully explain the differences in our current and old policies. I referred Joel to another one of my friends that is also closing on her house for homeowners insurance because of their competitive rates and transparency with their coverages and rates! I highly recommend Joel as he has been extremely helpful in this process as well as Prosper Insurance Group!
By: dianeherbert
Cooksey Insurance Agency
Gary was first my insurance agency for auto then individual medical insurance when I was self employed. I have been doing business with him for 15 years and value him both for his work ethic and his trustworthiness as a businessman. He labored to find me options of the least expensive premiums with the most coverage. It didn't matter how small his percentage was in the end, he gave of his time and expertise primarily for my benefit. In an era of political upheaval, he can make sense of the complex issues intelligently and yet down to earth. I love commiserating with him. When it comes to his customers, the time-clock does not tick for Gary. You are his focus. And he will not disappoint.
By: marykay.stewart
Prosper Insurance Group
Ashley Latimer was my life saver and I'm not kidding. We were drowning fast, she saved us almost $2200 a year between our hazard and flood insurance (that won't even be required when the new Flood panels are "official") I was ready to pull my hair out after fighting with my mortgage company, FEMA and the City for months. Then Ashley Latimer with Prosper Insurance Group came along and eased all my worries, pretty much saving me from going into foreclosure with what my mortgage payment would have been. I couldn't be more grateful, I tell everyone I know about Prosper Insurance Group now and how ASHLEY LATIMER ROCKS!!!! :)
By: David J.
Cheeks Insurance Agency
Cheeks Insurance Agency always exceeds all my expectations. I am confident that you will be abundantly satisfied when you contact Willie and his staff for Insurance! I never thought buying Insurance could actually be enjoyable but Cheeks Insurance always finds a way to save me money and what is more enjoyable than reduced rates and more money in my pocket! I trust Cheeks Insurance so much that I have my Car, Home, and Life Insurance policies with them. I am confident that you will be happy with them too! Call them and start saving today!
By: Mark L.
State Farm Insurance
I was very impressed with the professionalism of the agents at this location. I bundled my car insurance with my home and saved 20% on my home. That lowered my mortgage payments by $200 a month. Highly recommend if your home is already with state farm adding your cars. I have had no issues with State Farm. I have been with them since I purchased my home and plan to stay with Mike McDonald.
By: giac.biscotti
Cooksey Insurance Agency
Gary has been my Insurance agent for years. In all that time I have never felt this was a client relationship but a friendship. I always feel that Gary is doing the best he can for me and making sure that all my families needs are taken care of regardless of teh time it takes him to do it. You could not find a better person to take care of any insurance needs you may have
By: Charles C.
Prosper Insurance Group
If there was a 6th star Shawn and Prosper Insurance Group would get that too. Shawn delivered on price, coverage, and service. I didn't think my 15 year relationship with my previous insurance could of been beat- I was wrong. Shawn has me covered from top to bottom and I am saving a significant amount of 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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