State Farm Agent Locations & Hours Near Independence, MO -
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By: Janelle S.
Combined Insurance
Wow - can't say how much I appreciate my agent and Combined paying out my claims! Payout was fast and I got more than I expected! My parents were policyholders, I am and now my children. I recommend Combined to anyone I meet.
By: Rixie A.
American Family Insurance - Brian Manning Agency, Inc.
Insurance is one of "those things" that you have to have. If you drive, there should not be an option. My husband and I were assigned to the Brian Manning Agency after our agent left. Because we believed in American family, we decided to stay with Brian. Great decision!! Brian and his staff bring something that in my opinion is as valuable as his expertise; this something is "Time". They are always ready to not only answer questions, but to do the necessary research to resolve problems and offer addition insights. In my opinion, my insurance needs are important to this agency. Brian is an excellent insurance agent, but where this agency truly shines in Customer Service. Thank you Brian, for your knowledge, time, and efforts spent on my behalf.
By: vdubevansjr
Stacey Schell Newland - State Farm Insurance Agent
Stacey Schell-Newland and her staff are top notch.
By: Tammy E.
Stacey Schell Newland - State Farm Insurance Agent
We moved our vehicle policies to Stacey Schell Newland - State Farm Insurance six months ago. We also were able to ADD renter's insurance and still pay less for all the policies combined than what we were previously paying for just our vehicles with another company. When you need help or just have a question, the staff at this office is QUICK to answer and always goes above and beyond the call of duty. Something that is so rare these days. Their service, quality, and great prices are unbeatable. I strongly recommend them.
By: mini.offield
Phil Burress - State Farm Insurance Agent
Great folks at this agency. Easy going, and answer all questions without judgement!
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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