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Farmers
Package Insurance |
Note that May 27-June 2 is Hurricane Preparedness Week.
The National Weather Service has several resources which are accessible at www.nhc.noaa.gov/prepare/
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We will help you protect your most valuable asset...your
farm! The farmowners policy is designed for farmers who
own acreage and engage in some degree of farming or own
livestock. This is a package policy offering property coverage
for your farmhouse and its contents, barns, storage buildings,
other outbuildings and their contents, machinery and equipment,
stored crops, plus personal liability protection. Help us
design the right coverage for your needs at the right price! |
| Request
a Farm Package quote |
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Renters/Tenants
Insurance |
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If you are farming on a rented property, we can provide
property protection for your owned equipment and livestock
plus personal liability protection. Just because you do
not own the farm doesn't mean you have less to lose or a
lower probability of loss. Protect yourself and your property
properly with the right farm tenant insurance protection. |
| Request
a Farm Renters quote |
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Workers
Compensation Insurance |
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State law requires Workers Compensation (WC) coverage
for all of your employees. Whether part-time or full-time,
employees are covered on the job for work-related injuries
and lost time from work. WC rates are affected by:
- job classification
- total payroll for each job class
- experience
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| Request
a Farm Workers Comp. quote |
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Commercial
Auto Insurance |
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Most farmers use pickup trucks in their daily operation.
Sometimes, those pickups can be covered under a personal
auto policy. However, if the farmer owns larger vehicles
or specialized trucks (cattle trucks, grain haulers, etc.),
we can insure those vehicles on a farm commercial auto policy.
Commercial auto rates, in part, are affected by:
- the size of the vehicle
- the operating radius
- the driver and his record
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| Request
a Farm Commerical Auto quote |
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Life
Insurance |
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Life
insurance provides financial protection for you and your
family. It is used to cover debt obligations (mortgages,
home equity loans, car loans, credit card debts, etc.)
and provide cash flow in the case of an unexpected and
premature death of one or more of the family breadwinners.
Life insurance comes in several forms and can also be
used for estate planning purposes. Forms of life insurance
include term, universal, variable universal, and permanent. |
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Term: |
- lower
initial cost
- protection
for a specific time period
- covers
a specific need
- option
to include income stream
- option
to convert to permanent life insurance
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| Universal: |
- flexible premiums
- flexible coverage amounts
- flexible term
- guaranteed interest rates in a tax-deferred vehicle
- opportunity to accumulate cash value
- access to cash value
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| Variable Universal: |
- same benefits as universal
- investment subaccounts (mutual funds) to accumulate
cash value
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| Permanent: |
- policy guarantees
- protection for your entire life
- access to cash values
- higher initial premium
- tax-deferred vehicle with guaranteed interest rate
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| Request a life insurance
quote |
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Health
Insurance |
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Health
insurance provides financial protection against a catastrophic
medical expense. You can tailor a program of comprehensive
major medical coverage to include networks (PPO's) or
traditional (any provider) plans. You select your deductible,
coinsurance, and options for yourself and family including
maternity, prescription drug card, dental, accidental
medical expense, and a Health Savings Account (HSA) for
the self-employed. Group plans are available for two or
more employees. |
| Request
a health insurance quote |
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| Disability
Insurance |
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Disability
insurance replaces lost wages due to a long-term health
condition that prevents you from working and earning wages.
Provide for your family with the disability insurance
needed to continue paying your everyday living expenses.
Select your level of income, deductible period, term of
benefits and options. |
| Request
a disability insurance quote |
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Long-Term
Care Insurance |
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Long-Term
care insurance can encompass nursing home and home health
care protection. With the cost of nursing home care
exceeding $75,000 annually, life-long savings can be
depleted in short order. Nursing home and home health
care insurance can supplement one's income to pay the
full costs associated with a nursing home or home care
stay. You can tailor a package of care to provide for
a nursing care and/or home health care protection. Choose
from many options including daily benefits ($50 - $500),
length of coverage (1,2,3,4,5,6 years, or lifetime),
elimination/deductible period (0,7,20,30,50,60,90,100,180
or 365 days), inflation protection (none, 5% simple or 5%
compound increase), and home health care benefits. |
| Request
a long-term care insurance quote |
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Individual
Retirement Accounts (IRA's) |
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Individual
Retirement Accounts (IRA's) are available to any employed
or self-employed person who receives earned income or
compensation. Contributions to an IRA may reduce your
taxable income and earnings may accumulate
tax-deferred. The
principal and interest of your IRA are not taxable income
until they are withdrawn, usually upon retirement or mandated
by the IRS after age 70 1/2. Early withdrawals (prior
to age 59 1/2) may incur a 10% penalty. |
| Request
IRA information |
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Annuities |
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Annuities
are insurance company products. They are an investment
vehicle used to provide an income stream at some future
date. You may make a lump-sum contribution or periodic
contributions over time to the annuity. You select the
future date when the annuity's principal and interest
are repaid to you. Annuities are popular investment vehicles
for IRA's, allowing income to be paid in the future over
several years, thus reducing the tax impact. |
| Request
Annuity information |
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