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01/12/2016
By: Staci S.
State Farm Insurance - Misty Stathos
Misty Stathos has handled insurance for my entire family for many years. As a second-generation State Farm agent, she has ample experience to steer us in the right directions and answer our questions. Misty Stathos cares about her clients on a personal level, and she goes above and beyond the call of duty for her clients. With honest and trustworthy agents, I definitely recommend Misty Stathos State Farm Insurance.
10/22/2012
By: caroline.brazell.9
State Farm Insurance - Misty Stathos
State Farm Agent Misty Stathos has been GREAT to work with! She has done so much to help our family with our policies over the last several years, and we really appreciate all she has done. If you are looking for someone to help you through the insurance process, call her office for a quote. Her team is knowledgeable and very friendly.
01/19/2017
By: ae-lo1
State Farm Insurance - Misty Stathos
Misty really is a pleasure to work with, and is definitely a great insurance agent to talk to for life insurance or auto insurance, as well as business insurance, renters insurance, and car insurance. Don't believe me? Call her, it will take about two seconds for you to see what I mean.
10/22/2012
By: cutigers52
State Farm Insurance - Misty Stathos
Great place to do business. The people, locations and products offered are wonderful.
08/18/2013
By: jmarrowood
Larry Hutto State Farm
Great discount rates. Friendly service. Fast response time.
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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