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Allstate Insurance Agency
Earnest & Associates, IncLincoln, NE


Office Hours

Day of the WeekHours
MonAvailable by appointment8:30 AM - 6:00 PM
TueAvailable by appointment8:30 AM - 6:00 PM
WedAvailable by appointment8:30 AM - 6:00 PM
ThuAvailable by appointment8:30 AM - 6:00 PM
FriAvailable by appointment9:00 AM - 5:00 PM
SatAvailable by appointment
After-hours appointments available.
Available 24/7 at

3201 Pioneers Blvd,
Ste 104
Lincoln, NE 68502


Between Highway 2 and Pioneer, in the same building as Bonsall Pool & Spa.

Areas Served

Lincoln, Waverly, Seward, Milford, Crete, Eagle, Syracuse
Earnest & Associates, Inc: Allstate Insurance
You can view my financial industry experience and background at FINRA’s BrokerCheck

Local Allstate Agency: Meet Earnest & Associates, Inc

I’ve been represented Allstate for over 15+ years and have worn many hats in the company. My tenure and experience has allowed me to not only understand the ins-and-outs of insurance, but also to service hundreds of families regarding their protection needs. I can help you protect the things that are important – your family, home, car,boat and more.

I’m proud to represent a financially sound and stable company like Allstate. They’ve been helping families protect their assets for over 80 years. Now, they offer financial and life insurance solutions. These products, combined with years of experience, can help you achieve your future financial goals.

I’m committed to helping you protect what you have today and prepare for tomorrow. I understand the importance of thinking about the "big picture” when it comes to your financial future. From life insurance to retirement, I’m committed to helping you reach your financial goals.

Products we offer:

  • Auto
  • Home
  • Condo
  • Renters
  • Motorcycle
  • Business
  • Life
  • ATV
  • Boat
Years of
Years in the
Education dropdown expand/collapse
Bachelor of Business Administration-UNL
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Honor Ring-5 years
Inner Circle Elite-1 years
National Conference Award-2 years
Community Involvement
Community Involvement dropdown expand/collapse
Friendship Home, Board member
Lincoln Cosmo's "Spike Diabetes For Good" Tournament

Our team

Saundra Earnest

Agency Owner - Personal Financial Representative

Will Marshall

Licensed Sales Producer

Kelsea Swartz

Licensed Sales Producer
Learning new things is definitely a hobby of mine. I am a self taught photographer and enjoy capturing pictures and moments of my friends and family. I also taught myself how to snowboard and look forward to the first snow fall every year so I can hit the slopes in Colorado. On the days that it's too cold for snowboarding you can find me in the kitchen baking some warm banana bread.

Kristin Kraemer

Licensed Customer Care Cooridnator
I'm not in Kansas anymore. I grew up in Lawrence, KS and graduated from the University of Kansas with my degree in English. After graduating, I moved from the Midwest to West coast until I eventually settled down in Lincoln back in 2015. My husband and I stay active with our two kids, chauffeuring them around to their many activities. On the rare occasion that I have down time you can find me playing games with my family, watching college basketball (specifically the Jayhawks), or binge watching my favorite Netflix show.

Ashley Earnest

Licensed HR Manager
I was born and raised in Lincoln so it goes without saying I'm a die hard Husker fan. When I’m not on the job you can find me watching football or hockey (Go Blackhawks!), traveling to the next city on my bucket list, or discovering new ways to live a healthy, active lifestyle. I am always open to trying new things that get me outside my comfort zone.

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Local events & news

Proudly Supporting Food Bank of Lincoln

Our agency proudly joined Allstate agency owners, financial specialists and staff in May 2020 to raise funds for local food banks and meal programs, including Food Bank of Lincoln, to help provide critical support in our community. In honor of our efforts, Food Bank of Lincoln received a $10,000 Helping Hands Grant from The Allstate Foundation.

Boys & Girls Clubs of Central Iowa Receives Allstate Foundation Helping Hands Grant

By giving of our time, we earned Boys & Girls Clubs of Central Iowa a $15,000 Allstate Foundation Helping Hands grant that will aid the organization’s intentions to help young people develop positive, life-changing habits. We see firsthand the opportunities and challenges facing our area, which is why we believe in Boys & Girls Clubs of Central Iowa’s work. We’re proud to be among thousands of Allstate volunteers around the country who care for their communities by supporting important local causes.

Allstate Foundation Grant for Ulman Cancer Fund for Young Adults

As volunteers with Ulman Cancer Fund for Young Adults, our team recently volunteered to set up, serve and provide meals for runners, and clean up after their annual 4k for Cancer event. In addition, we helped the organization to qualify for an $8,000 Allstate Foundation Helping Hands in the Community grant. The grant supports Ulman Cancer Fund for Young Adults’ efforts to create a community of support for those impacted by cancer. We see firsthand the opportunities and challenges facing our area, which is why we support Ulman Cancer Fund’s work. We’re proud to be one of thousands of Allstate agencies around the country that care for their communities by supporting important local causes.
Frequently Asked Questions
What are your agency hours?
Monday: 8:30 AM - 6:00 PM
Tuesday: 8:30 AM - 6:00 PM
Wednesday: 8:30 AM - 6:00 PM
Thursday: 8:30 AM - 6:00 PM
Friday: 9:00 AM - 5:00 PM
Sunday: Closed
Are you open on weekends?
Sunday: Closed
Can I text your agency with questions?
Yes, we have text messaging services.
What languages do you speak?
We have staff members available who speak the following languages: English
Do you have more than one location?
No, this is our only location.
Earnest & Associates, Inc is insurance licensed in the state(s) of Nebraska. If you do not reside in the state(s) of Nebraska, please go to the Find an Agent section on to search for another Allstate Agent or Personal Financial Representative.

Based on coverages selected. Subject to terms, conditions, availability & qualifications.

This material is intended for educational purposes only. Auto and homeowners insurance, and other property and casualty insurance products, are available from Allstate Insurance Company, Allstate Indemnity Company, Allstate Property and Casualty Insurance Company and Allstate Fire and Casualty Insurance Company (Home Offices: Northbrook, IL); Allstate New Jersey Insurance Company and Allstate New Jersey Property and Casualty Insurance Company (Home Offices: Bridgewater, NJ); and Allstate County Mutual Insurance Company and Allstate Texas Lloyd's (Home Offices: Irving, TX). Life insurance issued by Allstate Life Insurance Company: Northbrook, IL; and American Heritage Life Insurance Company: Jacksonville, FL. In New York, Allstate Life Insurance Company of New York: Hauppauge, NY. Securities offered by Personal Financial Representatives through Allstate Financial Services, LLC (LSA Securities in LA and PA). Registered Broker-Dealer. Member FINRA, SIPC. Main Office: 2920 South 84th Street, Lincoln, NE 68506. (877) 525-5727.

Check the background of this firm on FINRA's BrokerCheck website.
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