State Farm Insurance Locations & Hours Near Republic, MO -
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By: Nancie M.
Debra Corner - Missouri Farm Bureau Insurance
Were A DIE HARD FARM BUREAU INS. Customer. Debbie Corner And Kami have always treated us like family when we have to go in and pay our INS on our car. We have had to use them in the 07 ice storm and when A truck hit our utility pole in Springfield Deb was in Springfield and I called her she came to my home and set on the porch with me and consoled me never had an agent do that before **WHAT A PRECIOUS LADY*. Then we Moved to Nixa and when we bought our house the Ins Co. they put us with we did not have enought coverage so since we'd been with FB for 18 or 19 yrs car and life we called Deb told her we didn't have enought coverage with the other Inc Co. she said bring in our policy we did we had to pay A little more to be with FB but was worth it. Then we had A alot of storms in the Spring our home started leaking so I called Deb we had an adjuster out very quick we needed A whole new roof . FB paid us fast to get our roof put on. Of all the INS COMPANIES OUT THERE I"D NEVER TRUST OR HAVE NO ONE BUT FARM BUREAU AND I DEARLY LOVE DEBRA CORNER AND KAMI. IN MY OPINION they are the BEST Debra Corner works hard for you and is Friendly and Very helpful and Kami is A very curtious OFFICE Manager always has us Tootsie Rolls:). MY HUSBAND AND I ARE VERY HAPPY TO BE PART OF DEBRA CORNER INS FAMILY .P.S. When I know someone who needs INS I send them to FB and to the BEST AGENT DEBRA CORNER SHE'S THE BEST. Sincerly, HAPPY TO BE PART OF THE DEBRA CORNER AGENT AND FARM BUREAU FAMILY . SINCERLY YOURS, VIRGIL L. & NANCIE MARSH
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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