Homeowners
Whether you own or rent, a homeowner’s policy is designed to protect you and your property. You choose the type of protection that best suits your needs, covering damage or loss to your home, detached structures and personal possessions; and financial losses for personal liability and medical payments to others. A variety of coverages are available to match your personal situation.Farmowners
A Farmowner’s Special Farm Package 10 (SFP 10®) Policy goes beyond traditional farm coverage to provide effective yet flexible insurance for your farming operation. Depending on the coverages desired, you may customize your SFP 10® policy by choosing among five divisions and a variety of options within those divisions. SFP 10® combines similar perils (causes of loss, such as wind, fire, theft, etc.) into groups, to achieve the combination of coverages that are right for you. The five divisions are:
• Residences and Household Contents
• Buildings and Building Contents
• Farm Personal Property
• Scheduled Personal Property
• Liability
A wide variety of options are available to customize your policy to meet your individual needs.Businessowners
A policy designed to provide affordable quality protection for retail businesses, offices and apartments. It includes coverage for your buildings, permanently installed equipment, outdoor fixtures, business personal property, liability protection, loss of income and a host of special optional coverages to address your specific needs.Contractors
A Contractor’s policy contains valuable coverages and features for various contracting trades, including carpentry, landscape gardening, painting, masonry, electrical services, plumbing, and more. Coverages include property protection, loss of income protection, and liability protection. As an added benefit, there are optional coverages to address the specific needs of your contracting business.Auto (Personal & Commercial)
Commercial and Personal Auto policies provide property and liability coverage, medical payments and/or No Fault coverage, uninsured and underinsured motorist’s coverage, and coverage for damage to your automobile. Coverages vary from state to state, and some coverages and limits are optional.Liability
Protecting yourself from the risk of lawsuit is something that all of us should consider of primary importance in our protection plan.Commercial General Liability
A Commercial General Liability (CGL) policy is a stand-alone liability policy that can protect your business from claims made against it for bodily injury and/or medical expenses as well as property damage. The CGL policy is sometimes paired with a traditional commercial fire policy. CGL coverage can also be coupled with SFP 10® and applied to the specialized needs of operations involving horse racing, horse-drawn carriages, sleighs, hay rides, pony rides and more.Umbrella Liability
Umbrella Liability policies provide excess coverage, supplementing the primary liability insurance found in property/casualty policies such as auto and homeowners; and include coverage for some exposures not ordinarily provided under your primary policies. Three types of Umbrella Liability policies are available: Personal, covering the normal personal policies such as home and auto; Farm, covering farming and related agricultural activities; and Commercial, covering the specific needs of non-agricultural or larger businesses.Country Estate
The Country Estate program was designed in the late 1990’s to provide affordable farm coverage for the hobby-type farmer where the farming exposure is not the main source of income.Horse Risk
We have a full range of coverages, including policies tailored to the specific needs of horse enthusiasts. Whether you breed horses as a profession, or board them for recreation, we can advise you on the right type of coverages to best protect your interests.Health Insurance
A form of coverage that protects against the loss of life, loss of earnings, or expenses incurred due to illness or injury. Several major health coverages focus on more specific needs, such as accident insurance, disability income insurance, hospitalization insurance or sickness insurance.Boat Insurance
We offer protection for your boat, motor, boat trailer, plus any added equipment and accessories. Our comprehensive plan covers: loss or damage to watercraft; replacement cost on the motor; liability for bodily injury or property damage; personal property protection; emergency service coverage; wreck removal; medical expenses including guests and coastal water coverage.Motorcycle
We offer a policy that addresses all of today’s motorcycle rider’s insurance needs: liability, medical payments, comprehensive and collision, even uninsured motorist protection.
Life Insurance
Protection your greatest asset – your ability to earn income!Whole Life
The most common type of permanent life insurance coverage, providing a face value death benefit for the entire life (“whole life”) of the insured, unless the insured cancels the policy or does not pay premiums. Premiums generally remain constant over the life of the policy and must be paid periodically in the amount listed in the policy.Term Life
A type of life insurance policy purchased for a specified period of time. Often that period of time is a set number of years, such as 1 year, 10 years or 20 years. The policy can also be written for a term that expires at a specified age, for example, when the insured turns 65.Disability Income
Disability Income Insurance is designed to protect you if you are unable to work due to a disabling injury or illness. A fraction of your income now could guarantee you'll still receive most of that income if you become totally disabled. An affordable policy can be designed to meet your unique occupational needs. (Disability Income Insurance is underwritten by Farm Family Life Insurance Company and Illinois Mutual Life Insurance Company).Long-Term Care
All of us are living longer and sometimes our final years are our most expensive because of extended nursing home stays. The risk of this can now be transferred and a family’s wealth need not vanish because of nursing home costs. (Long-Term Care Insurance is underwritten by John Hancock Life Insurance Company).Fixed Annuities
A popular choice in retirement planning, an annuity refers to any type of periodic (generally monthly) payments made to an individual (called the annuitant). Payment options include lump sum, income for life, or income for a certain period of time.Retirement
Various types of plans are available to individuals who wish to set aside funds for their retirement years – IRA’s, SEP, Keogh, 401(K), Annuities to name a few.Estate Analysis
The transfer of assets from one generation to another is one of life’s hardest tasks; it involves legal, financial and emotional stress. Early discussion and proper planning can reduce the impact of the loss of a loved one.
The information contained on this web site is provided for general informational purposes only and is subject to change without notice.
Products & services are not available in all states.
Please read the Important Notices
for a list of states.
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