Protecting your family is the first place to begin your insurance evaluation. What happens to your family in the event of your premature death?
Who pays your mortgage?
Who pays for daily living expenses?
Who pays for the funeral?
Who pays for your children's education?
Who takes care of accrued debt?
Who makes sure that your family can sustain their standard of living?
Our 3 most popular Life Insurance Products are:
Farmers Simple Term - $75,000 to $150,000 limits for 10, 20 and 30 Year Plans. No exam and issued in 24 to 48 hours. Perfect for immediate needs coverage.
Farmers Level-Term 2000 Plans - For 10, 20 and 30 Year plans with limits starting at $150,000. Ask about our Critical Illness riders.
Farmer's Essential Universal Life Plans - Insurance that is guaranteed for your entire life. FEUL Plans build cash value that accumulates year after year at current market interest rates and is subject to annual dividend payments.
Personal Life Insurance Needs
The first step is to let me create our "Windows to Life" evaluation for your household to determine which policy or combination of policies is right for your particular needs. Windows to Life will examine your exposure and need for coverage to address the following concerns:
Final expenses at death
Readjustment expenses
Mortgage obligations
Emergency Funds
Education Expenses
Family Income
Survivor's Retirement
Business Life Insurance Needs
Many people overlook the need for businesses to integtrate Life Insurances Plans into their management structure. Consider:
Key Person Coverage Insurance - What happens to the business when a key person dies prematurely? How will the company pay to hire and train a person to replace the individual?
Buy-Sell Agreements - Many partnership businesses use term insurance to fund their buy-sell agreements. In the event of premature death of a partner, insurance can be used to buy out their interests in the business which may keep the business intact and satisfy the loss of a loved one in the event of a surviving spouse.
Security for a Business Loan - Insurance can provide much needed security to a financial institution when processing capital loans to a business. It protects the interests of the bank or lending institution in the event of premature death of the borrower.
Employment benefit - Farmers Term Life can provide valuable employment benefits to workers at a relatively low cost.
