The Robert Mooney Agency represents and sells Allstate life insurance products that help policyholders provide financial support and peace of mind for family and loved ones.

In the event of an emergency of the policyholder, life insurance can help by paying for living expenses (food, clothing, rent/mortgage, health care), helping a spouse maintain the standard of living they are accustomed to, assist in paying for a child's college tuition or the wedding of their dreams, assisting with care of aging parents or relatives, and paying for medical and funeral expenses after the policyholder passes on.

To determine how much life insurance you need, try Allstate's Needs Analysis Tool.

Term life insurance is typically less expensive because it only covers a set period of time (10, 20 and 30 years). When chosing a term life insurance policy, the policyholder chooses the time span, the worth of the policy and the beneficiary. If the policyholder passes away before the term is over, the beneficiary will receive a lump-sum payment. In some cases, term insurance polices can be converted into permanent life insurance policies.

Learn more about Term Life Insurance policies from Allstate.

There is no time span set on a permanent life insurance policy and coverage continues as long as the policyholder pays adequate premiums. Over time, the life insurance premiums may build cash value that can be used for emergencies and assist with retirement.

Learn more about Permanent Life Insurance policies from Allstate. Contact Robert Mooney Insurance Agency to learn more about permanent life insurance products.

Most cancer-related expenses are not covered by your normal health insurance policy. Allstate suggests that indirect costs of receiving cancer treattment can be twice as much as your medical bills. Indirect expenses include missed days at work, home recovery and extended care.

Cancer insurance is a supplemental policy that works in addition to the medical coverage and disability income you may already receive. Benefits of having a cancer insurance policy include:

• Benefits paid directly to you
• Coverage options that match your budget
• Coverage for you or your entire family
• Intensive care benefits for any covered illness or injury included in some plans
• Additional help paying for travel and lodging for treatment, reconstructive surgery, prosthetics, home care recovery, extended care and hospice and testing

Cancer insurance policies are for policyholders or relatives who have had cancer, do not have a lot of money set aside for unexpected events, do not have extra income in case the policy member cannot work, are single or has a spouse that cannot work or just want to keep your family financially secure.

Allstate Identity Restoration Coverage policy can help policyholders restore their good name. Coverage includes up to $25,000 of reimbursement for coverage expenses.