"Summer Vacation? Pack Your iApp
Heading out on the highway for your summer vacation? Take your agent with you … or
at least the new My FBFS iApp.
Traveling with the My FBFS iApp is a smart idea, whether you’re headed across town or
across the country. The instant access to your agent’s contact information provides peace
of mind, while the car BINGO feature provides hours of entertainment for those long car
rides.
Sometimes an accident happens, and when it does, the My FBFS iApp makes it simple to
record all the important information – location, witnesses, responding officer, and if your
phone is equipped with a camera you can take photos. The app helps you connect to our
company website – FBFS.com – where you can find helpful information for reporting a
claim through our claims reporting hotline.
The My FBFS app also includes features such as a gas mileage calculator and links for
staying connected with us through Facebook, Twitter and YouTube. Additional mobile
features are being planned, as well as enhancements designed with you in mind.
Download your free My FBFS app now. It’s just one more way we’re making insurance
simple.
SUMMER ©FBL 2011
Tips brought to you by Farm Bureau Financial Services. For more information about products and
services, call Tammy at (515) 957-1524 or Chris at (515) 957-1616.
*Note- None of the above copy should be changed except for your personal information
[AZ, IA, KS, MN, NE RR, NM, SD, UT- include this disclosure]
Securities & services offered through EquiTrust Marketing Services, LLC+, 5400 University Ave.,
West Des Moines, IA 50266, 877/860-2904, Member SIPC. Farm Bureau Property & Casualty Insurance
Company+*, Western Agricultural Insurance Company+*, Farm Bureau Life Insurance Company+*/West
Des Moines, IA. +Affiliates *Company providers of Farm Bureau Financial Services
"
Wednesday, June 6, 2012
Wednesday, May 30, 2012
"House Hunting and Homeowners Insurance
May is National Moving Month, a time when millions of Americans will prepare for a change of address. If
you’re in the market for a new home, there are a number of factors to consider when purchasing real estate.
One important and often overlooked consideration when buying a home is the value of insurance
protection. After all, you’ll be paying for homeowners insurance for as long as you own the home. Here are
a few points to consider when house hunting.
Age of the home
Common features of older homes, such as ceiling molding, may be expensive to replace and increase the
cost of insurance. Outdated plumbing and electrical systems may also raise the rates of insurance.
Distance from the fire department
Houses located near permanently staffed fire departments, and houses with a nearby hydrant, usually cost
less to insure.
Swimming pool or other special feature
A swimming pool, hot tub or other special feature generally increases the need for excess liability insurance
or an umbrella liability policy, and may limit the availability of insurance options if available. This
coverage provides added protection in the event someone is injured on your property and files a lawsuit
against you.
Flood risk
Damage from flooding is NOT covered by a standard homeowners policy. Homes in an area at risk for
flooding need separate insurance. Flood insurance is available from the federal government’s National
Flood Insurance Program (NFIP).
Once you’ve completed the closing process —but before unpacking boxes — make sure you adequately
insure your new home not only to cover its cost, but to rebuild and replace your belongings in the event of a
total loss.
You may need to consider adding special coverage, such as Residential Equipment Breakdown. This
unique offering provides coverage in cases of mechanical or electrical breakdown1 for almost anything that
uses electrical power- furnace, air conditioner, hot water heater and home electronics systems.
Your Farm Bureau agent can help you determine the right amount and type of homeowners insurance for
you, as well as the appropriate deductible and available discounts. Talk to your agent today about
homeowners insurance coverage that protects your investment and gives you peace of mind.
1Coverage terms and provisions are determined solely by forms that are used after purchase and made part of the insurance policy.
Nothing contained in this informational material shall be constructed to grant or broaden coverage that is not explicitly provided in the
policy forms.
Source: Insurance Information Institute, Home Buyers Insurance Checklist, www.iii.org, visited January 18, 2011. Better Business
Bureau, Avoid Moving Scams This Summer, www.bbb.org/article, visited January 18, 2011.
Tips brought to you by Farm Bureau Financial Services. For more information about products and
services, call Tammy at (515) 957-1524 or Chris at (515) 957-1616.
Securities & services offered through EquiTrust Marketing Services, LLC+, 5400 University Ave.,
West Des Moines, IA 50266, 877/860-2904, Member SIPC. Farm Bureau Property & Casualty Insurance
Company+*, Western Agricultural Insurance Company+*, Farm Bureau Life Insurance Company+*/West
Des Moines, IA. +Affiliates *Company providers of Farm Bureau Financial Services
"
May is National Moving Month, a time when millions of Americans will prepare for a change of address. If
you’re in the market for a new home, there are a number of factors to consider when purchasing real estate.
One important and often overlooked consideration when buying a home is the value of insurance
protection. After all, you’ll be paying for homeowners insurance for as long as you own the home. Here are
a few points to consider when house hunting.
Age of the home
Common features of older homes, such as ceiling molding, may be expensive to replace and increase the
cost of insurance. Outdated plumbing and electrical systems may also raise the rates of insurance.
Distance from the fire department
Houses located near permanently staffed fire departments, and houses with a nearby hydrant, usually cost
less to insure.
Swimming pool or other special feature
A swimming pool, hot tub or other special feature generally increases the need for excess liability insurance
or an umbrella liability policy, and may limit the availability of insurance options if available. This
coverage provides added protection in the event someone is injured on your property and files a lawsuit
against you.
Flood risk
Damage from flooding is NOT covered by a standard homeowners policy. Homes in an area at risk for
flooding need separate insurance. Flood insurance is available from the federal government’s National
Flood Insurance Program (NFIP).
Once you’ve completed the closing process —but before unpacking boxes — make sure you adequately
insure your new home not only to cover its cost, but to rebuild and replace your belongings in the event of a
total loss.
You may need to consider adding special coverage, such as Residential Equipment Breakdown. This
unique offering provides coverage in cases of mechanical or electrical breakdown1 for almost anything that
uses electrical power- furnace, air conditioner, hot water heater and home electronics systems.
Your Farm Bureau agent can help you determine the right amount and type of homeowners insurance for
you, as well as the appropriate deductible and available discounts. Talk to your agent today about
homeowners insurance coverage that protects your investment and gives you peace of mind.
1Coverage terms and provisions are determined solely by forms that are used after purchase and made part of the insurance policy.
Nothing contained in this informational material shall be constructed to grant or broaden coverage that is not explicitly provided in the
policy forms.
Source: Insurance Information Institute, Home Buyers Insurance Checklist, www.iii.org, visited January 18, 2011. Better Business
Bureau, Avoid Moving Scams This Summer, www.bbb.org/article, visited January 18, 2011.
Tips brought to you by Farm Bureau Financial Services. For more information about products and
services, call Tammy at (515) 957-1524 or Chris at (515) 957-1616.
Securities & services offered through EquiTrust Marketing Services, LLC+, 5400 University Ave.,
West Des Moines, IA 50266, 877/860-2904, Member SIPC. Farm Bureau Property & Casualty Insurance
Company+*, Western Agricultural Insurance Company+*, Farm Bureau Life Insurance Company+*/West
Des Moines, IA. +Affiliates *Company providers of Farm Bureau Financial Services
"
Wednesday, May 23, 2012
"Flexibility, Guarantees & Tax Advantages
Looking for lifetime protection that offers flexible premium payments, access to your money and a
tax-advantaged way to accumulate funds for future needs? Universal Life insurance allows you to
tailor a policy to meet your needs and goals, and make adjustments as your life changes.
Pay any amount you want at anytime – as long as it’s within the maximum limit set by tax law, and
sufficient to maintain coverage. Your policy can be funded to the maximum limit and interest earned
on the funds will accumulate on an income tax-deferred basis. This provides greater accumulation in
later years, which can be used as supplementary income for retirement or other needs along the way.
As you pay premiums, your policy’s accumulated value earns tax-deferred interest with a guaranteed1
minimum rate. You can access these funds through partial withdrawals2 or loans3 should a financial
need arise.
Of course, flexibility and tax-advantages aren’t the only reasons to consider a Universal Life policy.
The coverage also offers additional features and options that can be tailored to your specific needs.
Whether you need financial protection for your family or business, or supplemental income for future
needs, Universal Life will allow you to do what’s right for you.
1The guarantees expressed in this article are based on the claims-paying ability of Farm Bureau Life Insurance Company.
2Partial withdrawals are subject to a fee of $25 or 2 percent of the accumulated value withdrawn, whichever is less. Depending on
your issue age, the first 10 to 15 years of the Universal Life policy and for 10 to 15 years following an increase in coverage, full
surrenders are subject to a current surrender charge based on policy year, age, sex and underwriting category. Surrender charges may
be waived if eligibility can be established due to the insured’s terminal illness, total disability or stay in a qualified nursing care center
for 90 consecutive days (after the first policy year.)
3Any loans from the policy’s accumulated value will reduce the policy’s accumulated value and death benefit if the borrowed funds,
plus interest, are not repaid by the time of your death. Further, if your life insurance policy is classified as a Modified Endowment
Contract (MEC), distributions, including loans, may be taxed less favorably than non-MEC
Tips brought to you by Farm Bureau Financial Services. For more information about products and
services, call Tammy at (515) 957-1524 or Chris at (515) 957-1616.
Securities & services offered through EquiTrust Marketing Services, LLC+, 5400 University Ave.,
West Des Moines, IA 50266, 877/860-2904, Member SIPC. Farm Bureau Property & Casualty Insurance
Company+*, Western Agricultural Insurance Company+*, Farm Bureau Life Insurance Company+*/West
Des Moines, IA. +Affiliates *Company providers of Farm Bureau Financial Services
"
Looking for lifetime protection that offers flexible premium payments, access to your money and a
tax-advantaged way to accumulate funds for future needs? Universal Life insurance allows you to
tailor a policy to meet your needs and goals, and make adjustments as your life changes.
Pay any amount you want at anytime – as long as it’s within the maximum limit set by tax law, and
sufficient to maintain coverage. Your policy can be funded to the maximum limit and interest earned
on the funds will accumulate on an income tax-deferred basis. This provides greater accumulation in
later years, which can be used as supplementary income for retirement or other needs along the way.
As you pay premiums, your policy’s accumulated value earns tax-deferred interest with a guaranteed1
minimum rate. You can access these funds through partial withdrawals2 or loans3 should a financial
need arise.
Of course, flexibility and tax-advantages aren’t the only reasons to consider a Universal Life policy.
The coverage also offers additional features and options that can be tailored to your specific needs.
Whether you need financial protection for your family or business, or supplemental income for future
needs, Universal Life will allow you to do what’s right for you.
1The guarantees expressed in this article are based on the claims-paying ability of Farm Bureau Life Insurance Company.
2Partial withdrawals are subject to a fee of $25 or 2 percent of the accumulated value withdrawn, whichever is less. Depending on
your issue age, the first 10 to 15 years of the Universal Life policy and for 10 to 15 years following an increase in coverage, full
surrenders are subject to a current surrender charge based on policy year, age, sex and underwriting category. Surrender charges may
be waived if eligibility can be established due to the insured’s terminal illness, total disability or stay in a qualified nursing care center
for 90 consecutive days (after the first policy year.)
3Any loans from the policy’s accumulated value will reduce the policy’s accumulated value and death benefit if the borrowed funds,
plus interest, are not repaid by the time of your death. Further, if your life insurance policy is classified as a Modified Endowment
Contract (MEC), distributions, including loans, may be taxed less favorably than non-MEC
Tips brought to you by Farm Bureau Financial Services. For more information about products and
services, call Tammy at (515) 957-1524 or Chris at (515) 957-1616.
Securities & services offered through EquiTrust Marketing Services, LLC+, 5400 University Ave.,
West Des Moines, IA 50266, 877/860-2904, Member SIPC. Farm Bureau Property & Casualty Insurance
Company+*, Western Agricultural Insurance Company+*, Farm Bureau Life Insurance Company+*/West
Des Moines, IA. +Affiliates *Company providers of Farm Bureau Financial Services
"
Wednesday, May 16, 2012
"The Road to Understanding Auto Insurance
It’s probably not a surprise that auto insurance is one of the most common types of
personal insurance. But did you know that not all auto insurance is created equal?
Understanding a few key terms could help you select the best coverage for your specific
needs.
Typically, auto insurance includes two main coverage options: liability and physical
damage.
Liability coverage protects you from claims of bodily injury or property damages caused
by accidents involving your personal vehicle. Property damage liability pays for any
damage you cause to the property of others with your auto. This includes damage to other
vehicles, walls, fences and equipment. Bodily injury liability insurance protects you
against claims of others who are injured in an accident for which you are at fault. Claims
may include medical expenses, lost wages, and pain and suffering.
Keep in mind, if you only carry liability coverage and you’re responsible for an accident,
damage to your vehicle is not covered.
Physical damage coverage includes collision and comprehensive coverage. This type of
coverage protects you from the expense of damages to your vehicle. Collision coverage
pays for damage to your personal vehicle due to accidental collision with an object, such
as another vehicle or a tree. Comprehensive coverage pays for damage to your personal
vehicle for causes other than collision, such as fire, theft, hail, striking an animal or
vandalism.
Keep in mind, the cost of repairing a car can exceed the actual value of the vehicle. In this
instance, insurers will “total” the car and pay you what the vehicle is worth rather than
fixing it. In some cases, an insurer may offer replacement cost coverage, which will
replace your vehicle with a new model in the event of a total loss.+
Your auto insurance policy may include other optional coverages, such as medical
expense coverage, uninsured/underinsured motorist coverage, and auto rental
reimbursement. Your Farm Bureau agent can explain all your options and help you
choose the best auto insurance coverage for your needs.
Source: National Association of Insurance Commissioners “What is auto insurance?”
www.naic.org/consumer_auto_definition.htm, visited August 4, 2008.
+ Replacement cost coverage may not be available in your state. Check with your Farm Bureau agent.
Tips brought to you by Farm Bureau Financial Services. For more information about products and
services, call Tammy at (515) 957-1524 or Chris at (515) 957-1616.
Securities & services offered through EquiTrust Marketing Services, LLC+, 5400 University Ave.,
West Des Moines, IA 50266, 877/860-2904, Member SIPC. Farm Bureau Property & Casualty Insurance
Company+*, Western Agricultural Insurance Company+*, Farm Bureau Life Insurance Company+*/West
Des Moines, IA. +Affiliates *Company providers of Farm Bureau Financial Services
"
It’s probably not a surprise that auto insurance is one of the most common types of
personal insurance. But did you know that not all auto insurance is created equal?
Understanding a few key terms could help you select the best coverage for your specific
needs.
Typically, auto insurance includes two main coverage options: liability and physical
damage.
Liability coverage protects you from claims of bodily injury or property damages caused
by accidents involving your personal vehicle. Property damage liability pays for any
damage you cause to the property of others with your auto. This includes damage to other
vehicles, walls, fences and equipment. Bodily injury liability insurance protects you
against claims of others who are injured in an accident for which you are at fault. Claims
may include medical expenses, lost wages, and pain and suffering.
Keep in mind, if you only carry liability coverage and you’re responsible for an accident,
damage to your vehicle is not covered.
Physical damage coverage includes collision and comprehensive coverage. This type of
coverage protects you from the expense of damages to your vehicle. Collision coverage
pays for damage to your personal vehicle due to accidental collision with an object, such
as another vehicle or a tree. Comprehensive coverage pays for damage to your personal
vehicle for causes other than collision, such as fire, theft, hail, striking an animal or
vandalism.
Keep in mind, the cost of repairing a car can exceed the actual value of the vehicle. In this
instance, insurers will “total” the car and pay you what the vehicle is worth rather than
fixing it. In some cases, an insurer may offer replacement cost coverage, which will
replace your vehicle with a new model in the event of a total loss.+
Your auto insurance policy may include other optional coverages, such as medical
expense coverage, uninsured/underinsured motorist coverage, and auto rental
reimbursement. Your Farm Bureau agent can explain all your options and help you
choose the best auto insurance coverage for your needs.
Source: National Association of Insurance Commissioners “What is auto insurance?”
www.naic.org/consumer_auto_definition.htm, visited August 4, 2008.
+ Replacement cost coverage may not be available in your state. Check with your Farm Bureau agent.
Tips brought to you by Farm Bureau Financial Services. For more information about products and
services, call Tammy at (515) 957-1524 or Chris at (515) 957-1616.
Securities & services offered through EquiTrust Marketing Services, LLC+, 5400 University Ave.,
West Des Moines, IA 50266, 877/860-2904, Member SIPC. Farm Bureau Property & Casualty Insurance
Company+*, Western Agricultural Insurance Company+*, Farm Bureau Life Insurance Company+*/West
Des Moines, IA. +Affiliates *Company providers of Farm Bureau Financial Services
"
Wednesday, May 9, 2012
"Today’s Needs, Tomorrow’s Dreams - Guaranteed Lifetime Protection
Like most working adults, you’re likely focused on meeting today’s needs – raising a
family, paying a mortgage or caring for elderly parents. But you’re also concerned that
your financial responsibilities will be taken care of in the future.
Universal Life Insurance with Secondary Guarantee can provide the peace of mind you’re
looking for. It offers guaranteed1 and affordable protection for your lifetime, up to age
121. Plus, you control your premium payments. Make a single premium payment or pay
level premiums as you choose, including 10 years, 20 years, to age 65 or even to age 100.
With this affordable coverage in place, yo u can turn your attention to other needs or
priorities in your life. You may see the opportunity to invest some of your dollars in a
college fund for your children, add to your retirement nest egg or perhaps expand your
business.
Even if you have other life insurance coverage in place, Universal Life Insurance with
Secondary Guarantee can complement and broaden that protection to help meet your
current and future needs.
Talk with your Farm Bureau agent today about the benefits of Universal Life Insurance
with Secondary Guarantee. It can help provide the long-term security and peace of mind
you’re looking for, without impacting your current financial priorities.
1 The guarantees expressed in this article are based on the claims -paying ability of Farm Bureau Life
Insurance Company.
Tips brought to you by Farm Bureau Financial Services. For more information about products and
services, call Tammy at (515) 957-1524 or Chris at (515) 957-1616.
Securities & services offered through EquiTrust Marketing Services, LLC+, 5400 University Ave.,
West Des Moines, IA 50266, 877/860-2904, Member SIPC. Farm Bureau Property & Casualty Insurance
Company+*, Western Agricultural Insurance Company+*, Farm Bureau Life Insurance Company+*/West
Des Moines, IA. +Affiliates *Company providers of Farm Bureau Financial Services
"
Like most working adults, you’re likely focused on meeting today’s needs – raising a
family, paying a mortgage or caring for elderly parents. But you’re also concerned that
your financial responsibilities will be taken care of in the future.
Universal Life Insurance with Secondary Guarantee can provide the peace of mind you’re
looking for. It offers guaranteed1 and affordable protection for your lifetime, up to age
121. Plus, you control your premium payments. Make a single premium payment or pay
level premiums as you choose, including 10 years, 20 years, to age 65 or even to age 100.
With this affordable coverage in place, yo u can turn your attention to other needs or
priorities in your life. You may see the opportunity to invest some of your dollars in a
college fund for your children, add to your retirement nest egg or perhaps expand your
business.
Even if you have other life insurance coverage in place, Universal Life Insurance with
Secondary Guarantee can complement and broaden that protection to help meet your
current and future needs.
Talk with your Farm Bureau agent today about the benefits of Universal Life Insurance
with Secondary Guarantee. It can help provide the long-term security and peace of mind
you’re looking for, without impacting your current financial priorities.
1 The guarantees expressed in this article are based on the claims -paying ability of Farm Bureau Life
Insurance Company.
Tips brought to you by Farm Bureau Financial Services. For more information about products and
services, call Tammy at (515) 957-1524 or Chris at (515) 957-1616.
Securities & services offered through EquiTrust Marketing Services, LLC+, 5400 University Ave.,
West Des Moines, IA 50266, 877/860-2904, Member SIPC. Farm Bureau Property & Casualty Insurance
Company+*, Western Agricultural Insurance Company+*, Farm Bureau Life Insurance Company+*/West
Des Moines, IA. +Affiliates *Company providers of Farm Bureau Financial Services
"
Wednesday, May 2, 2012
"Pedaling into Summer with Bicycle Safety
May is National Bike Month and kids across the country are pumping up the tires on their
two-wheelers for some bike-riding fun. Whether your child will be logging hours of
riding time, or just a couple of laps around the driveway, it’s important to reinforce some
basic safe cycling guidelines:
- Establish rules for when and where your child can ride a bicycle based on age and
ability. The National Highway Traffic Safety Administration recommends children age
10 and younger ride only on sidewalks.
- Check your child’s bike and helmet for proper fit and function. Many states have laws
requiring bicyclists under age 18 to wear a helmet. Bicycle helmets have been proven to
reduce the risk of head injury in an accident by more than 85 percent.
- Most bicycle accidents are due to falls. Teach children to tie their shoes, avoid hazards
like uneven payment, rocks or sticks, and keep both hands on the handlebars.
- Teach safe riding skills to older children, including awareness of other riders or
vehicles, looking both ways before crossing the road and how to use hand signals for
turning or stopping.
One of the best ways to teach your children bicycle safety is by example. Always wear a
helmet and practice safe riding skills. Your kids will follow your lead and enjoy a
summer of cycling fun.
Source: National Highway Traffic Safety Administration, Prevent Bicycle Crashes: Parents and Caregivers,
www.nhtsa.gov, visited March 15, 2010.
Tips brought to you by Farm Bureau Financial Services. For more information about products and
services, call (515) 957-1524 or Chris at (515) 957-1616.
Securities & services offered through EquiTrust Marketing Services, LLC+, 5400 University Ave.,
West Des Moines, IA 50266, 877/860-2904, Member SIPC. Farm Bureau Property & Casualty Insurance
Company+*, Western Agricultural Insurance Company+*, Farm Bureau Life Insurance Company+*/West
Des Moines, IA. +Affiliates *Company providers of Farm Bureau Financial Services
"
May is National Bike Month and kids across the country are pumping up the tires on their
two-wheelers for some bike-riding fun. Whether your child will be logging hours of
riding time, or just a couple of laps around the driveway, it’s important to reinforce some
basic safe cycling guidelines:
- Establish rules for when and where your child can ride a bicycle based on age and
ability. The National Highway Traffic Safety Administration recommends children age
10 and younger ride only on sidewalks.
- Check your child’s bike and helmet for proper fit and function. Many states have laws
requiring bicyclists under age 18 to wear a helmet. Bicycle helmets have been proven to
reduce the risk of head injury in an accident by more than 85 percent.
- Most bicycle accidents are due to falls. Teach children to tie their shoes, avoid hazards
like uneven payment, rocks or sticks, and keep both hands on the handlebars.
- Teach safe riding skills to older children, including awareness of other riders or
vehicles, looking both ways before crossing the road and how to use hand signals for
turning or stopping.
One of the best ways to teach your children bicycle safety is by example. Always wear a
helmet and practice safe riding skills. Your kids will follow your lead and enjoy a
summer of cycling fun.
Source: National Highway Traffic Safety Administration, Prevent Bicycle Crashes: Parents and Caregivers,
www.nhtsa.gov, visited March 15, 2010.
Tips brought to you by Farm Bureau Financial Services. For more information about products and
services, call (515) 957-1524 or Chris at (515) 957-1616.
Securities & services offered through EquiTrust Marketing Services, LLC+, 5400 University Ave.,
West Des Moines, IA 50266, 877/860-2904, Member SIPC. Farm Bureau Property & Casualty Insurance
Company+*, Western Agricultural Insurance Company+*, Farm Bureau Life Insurance Company+*/West
Des Moines, IA. +Affiliates *Company providers of Farm Bureau Financial Services
"
Wednesday, April 25, 2012
"Life Insurance Myths Revealed
Don’t let common misconceptions about life insurance keep you from securing adequate
coverage. Here, we dispel the myths and uncover the truths about the need for life
insurance.
Myth 1. Life insurance is expensive. If you think you can’t afford life insurance, imagine
how your family would make ends meet without your income. The cost of life insurance
depends on the type and amount of coverage. Term life insurance is generally more
affordable than permanent life insurance, and provides coverage for a specified period of
time. Permanent life insurance provides guaranteed1 protection for your lifetime, while
building cash value2 you can borrow against for your financial needs.
Myth 2. Only families with young children need life insurance. Families with young
children have a need for life insurance, but other reasons for having life insurance include
taking care of costs associated with your death, such as funeral expenses or outstanding
debts. Life insurance proceeds can also provide income for a spouse or financial support
for family members.
Myth 3. Children don’t need life insurance. There are several good reasons to buy life
insurance for children. It guarantees insurability and, in some cases, provides
opportunities to purchase additional coverage in the future. Premiums are also generally
lower. Your Farm Bureau life insurance policy may offer a children’s term rider, which
provides term life insurance for each qualifying child, age 7 days to 23 years.
Myth 4. Term life insurance can’t be converted to permanent life insurance. Some term
policies are renewable up to a certain age, but the cost of renewing or purchasing term
coverage increases as you age or experience health problems. Most term policies allow
you to convert coverage to a permanent policy after a certain time period, and often
without additional health assessment. Your Farm Bureau agent can help you select the
right type and amount of life insurance to meet your needs. Contact your agent today or
visit www.fbfs.com for more information.
1 The guarantees expressed here are based on the claims-paying ability of Farm Bureau Life Insurance Company.
2 Universal Life with Secondary Guarantee insurance is not designed for cash value accumulation.
Tips brought to you by Farm Bureau Financial Services. For more information about products and
services, call Tammy at (515) 957-1524 or Chris at (515) 957-1616.
Securities & services offered through EquiTrust Marketing Services, LLC+, 5400 University Ave.,
West Des Moines, IA 50266, 877/860-2904, Member SIPC. Farm Bureau Property & Casualty Insurance
Company+*, Western Agricultural Insurance Company+*, Farm Bureau Life Insurance Company+*/West
Des Moines, IA. +Affiliates *Company providers of Farm Bureau Financial Services
"
Don’t let common misconceptions about life insurance keep you from securing adequate
coverage. Here, we dispel the myths and uncover the truths about the need for life
insurance.
Myth 1. Life insurance is expensive. If you think you can’t afford life insurance, imagine
how your family would make ends meet without your income. The cost of life insurance
depends on the type and amount of coverage. Term life insurance is generally more
affordable than permanent life insurance, and provides coverage for a specified period of
time. Permanent life insurance provides guaranteed1 protection for your lifetime, while
building cash value2 you can borrow against for your financial needs.
Myth 2. Only families with young children need life insurance. Families with young
children have a need for life insurance, but other reasons for having life insurance include
taking care of costs associated with your death, such as funeral expenses or outstanding
debts. Life insurance proceeds can also provide income for a spouse or financial support
for family members.
Myth 3. Children don’t need life insurance. There are several good reasons to buy life
insurance for children. It guarantees insurability and, in some cases, provides
opportunities to purchase additional coverage in the future. Premiums are also generally
lower. Your Farm Bureau life insurance policy may offer a children’s term rider, which
provides term life insurance for each qualifying child, age 7 days to 23 years.
Myth 4. Term life insurance can’t be converted to permanent life insurance. Some term
policies are renewable up to a certain age, but the cost of renewing or purchasing term
coverage increases as you age or experience health problems. Most term policies allow
you to convert coverage to a permanent policy after a certain time period, and often
without additional health assessment. Your Farm Bureau agent can help you select the
right type and amount of life insurance to meet your needs. Contact your agent today or
visit www.fbfs.com for more information.
1 The guarantees expressed here are based on the claims-paying ability of Farm Bureau Life Insurance Company.
2 Universal Life with Secondary Guarantee insurance is not designed for cash value accumulation.
Tips brought to you by Farm Bureau Financial Services. For more information about products and
services, call Tammy at (515) 957-1524 or Chris at (515) 957-1616.
Securities & services offered through EquiTrust Marketing Services, LLC+, 5400 University Ave.,
West Des Moines, IA 50266, 877/860-2904, Member SIPC. Farm Bureau Property & Casualty Insurance
Company+*, Western Agricultural Insurance Company+*, Farm Bureau Life Insurance Company+*/West
Des Moines, IA. +Affiliates *Company providers of Farm Bureau Financial Services
"
Wednesday, April 18, 2012
"Just Married … and Properly Insured
Spring is a popular time of the year for wedding bells to ring. If you’re planning to tie the
knot or know someone who is, make sure updating insurance coverages is added to the
to-do list.
Life Insurance
Now is a good time to consider purchasing life insurance, or making sure your current
coverage is appropriate. Add your new spouse as a beneficiary on your policy by
downloading the Beneficiary Designation - Life form from www.FBFS.com. Fill it out
and mail it in.
Homeowners & Auto Insurance
Make sure your homeowners insurance or renters coverage protects your newly
combined assets in case of unexpected loss. Update your auto insurance so you and your
spouse are covered under the same policy.
Keep Documents Current
Keep legal, financial and insurance documents up-to-date and in a safe location. As your
life changes it’s important to regularly review your insurance coverages. Call today to
schedule an appointment with your Farm Bureau agent.
Source: National Center for Health Statistics, 2009 Schedule of NCHS Statistical Products and Reports,
www.cdc.gov, visited March 26, 2010.
Tips brought to you by Farm Bureau Financial Services. For more information about products and
services, call Tammy at (515) 957-1524 or Chris at (515) 957-1616.
Securities & services offered through EquiTrust Marketing Services, LLC+, 5400 University Ave.,
West Des Moines, IA 50266, 877/860-2904, Member SIPC. Farm Bureau Property & Casualty Insurance
Company+*, Western Agricultural Insurance Company+*, Farm Bureau Life Insurance Company+*/West
Des Moines, IA. +Affiliates *Company providers of Farm Bureau Financial Services
"
Spring is a popular time of the year for wedding bells to ring. If you’re planning to tie the
knot or know someone who is, make sure updating insurance coverages is added to the
to-do list.
Life Insurance
Now is a good time to consider purchasing life insurance, or making sure your current
coverage is appropriate. Add your new spouse as a beneficiary on your policy by
downloading the Beneficiary Designation - Life form from www.FBFS.com. Fill it out
and mail it in.
Homeowners & Auto Insurance
Make sure your homeowners insurance or renters coverage protects your newly
combined assets in case of unexpected loss. Update your auto insurance so you and your
spouse are covered under the same policy.
Keep Documents Current
Keep legal, financial and insurance documents up-to-date and in a safe location. As your
life changes it’s important to regularly review your insurance coverages. Call today to
schedule an appointment with your Farm Bureau agent.
Source: National Center for Health Statistics, 2009 Schedule of NCHS Statistical Products and Reports,
www.cdc.gov, visited March 26, 2010.
Tips brought to you by Farm Bureau Financial Services. For more information about products and
services, call Tammy at (515) 957-1524 or Chris at (515) 957-1616.
Securities & services offered through EquiTrust Marketing Services, LLC+, 5400 University Ave.,
West Des Moines, IA 50266, 877/860-2904, Member SIPC. Farm Bureau Property & Casualty Insurance
Company+*, Western Agricultural Insurance Company+*, Farm Bureau Life Insurance Company+*/West
Des Moines, IA. +Affiliates *Company providers of Farm Bureau Financial Services
"
Wednesday, April 11, 2012
"Creating a Family Emergency Plan
Mother Nature is unpredictable, and this time of year often creates threatening weather.
Because we can’t foresee when the next flood, tornado or fire may occur, it’s a good idea
to have an emergency plan in place. Here are some tips for preparing for the unexpected.
Develop a family communication plan
Your family may not be together when a disaster occurs, so plan in advance how you’ll
contact one another in different situations. Designate a long-distance friend or relative for
each family member to contact in the event of an emergency, as it may be easier for that
person to communicate among separated family members. Be sure each person knows the
phone number of the emergency contact.
Plan and practice escape routes
In the event of a fire, immediate escape is essential. It takes only minutes for a house to
fill with smoke and become engulfed in flames. The U.S. Fire Administration
recommends planning two ways out of each room in yo ur home, and regularly practicing
escape plans. Make sure each family member knows the safest route out of the house, and
that young children are able to open windows and doors. Once out of the house, meet in a
designated location and wait for help to arrive.
Take inventory of your belongings
Create a list of valuable items in your home, such as electronics, appliances, furnishings
and collectibles. In the event of a disaster, remembering the contents of your home and
their value will be important in determining your total loss.
While it’s not possible to predict or prevent all natural disasters, being prepared can help
you weather the storm, and make filing a claim a much smoother process.
Source: Federal Citizen Information Center documents “Your Family Disaster Supplies Kit” and
“Preparing Makes
Sense. Get Ready Now.” www.pueblo.gsa.gov, visited March 11, 2008.
“Get Out Safely,” U.S. Fire Administration, www.usfa.dhs.gov, visited March 11, 2008.
Tips brought to you by Farm Bureau Financial Services. For more information about products and
services, call Tammy at (515) 957-1524 or Chris at (515) 957-1616.
Securities & services offered through EquiTrust Marketing Services, LLC+, 5400 University Ave.,
West Des Moines, IA 50266, 877/860-2904, Member SIPC. Farm Bureau Property & Casualty Insurance
Company+*, Western Agricultural Insurance Company+*, Farm Bureau Life Insurance Company+*/West
Des Moines, IA. +Affiliates *Company providers of Farm Bureau Financial Services
"
Mother Nature is unpredictable, and this time of year often creates threatening weather.
Because we can’t foresee when the next flood, tornado or fire may occur, it’s a good idea
to have an emergency plan in place. Here are some tips for preparing for the unexpected.
Develop a family communication plan
Your family may not be together when a disaster occurs, so plan in advance how you’ll
contact one another in different situations. Designate a long-distance friend or relative for
each family member to contact in the event of an emergency, as it may be easier for that
person to communicate among separated family members. Be sure each person knows the
phone number of the emergency contact.
Plan and practice escape routes
In the event of a fire, immediate escape is essential. It takes only minutes for a house to
fill with smoke and become engulfed in flames. The U.S. Fire Administration
recommends planning two ways out of each room in yo ur home, and regularly practicing
escape plans. Make sure each family member knows the safest route out of the house, and
that young children are able to open windows and doors. Once out of the house, meet in a
designated location and wait for help to arrive.
Take inventory of your belongings
Create a list of valuable items in your home, such as electronics, appliances, furnishings
and collectibles. In the event of a disaster, remembering the contents of your home and
their value will be important in determining your total loss.
While it’s not possible to predict or prevent all natural disasters, being prepared can help
you weather the storm, and make filing a claim a much smoother process.
Source: Federal Citizen Information Center documents “Your Family Disaster Supplies Kit” and
“Preparing Makes
Sense. Get Ready Now.” www.pueblo.gsa.gov, visited March 11, 2008.
“Get Out Safely,” U.S. Fire Administration, www.usfa.dhs.gov, visited March 11, 2008.
Tips brought to you by Farm Bureau Financial Services. For more information about products and
services, call Tammy at (515) 957-1524 or Chris at (515) 957-1616.
Securities & services offered through EquiTrust Marketing Services, LLC+, 5400 University Ave.,
West Des Moines, IA 50266, 877/860-2904, Member SIPC. Farm Bureau Property & Casualty Insurance
Company+*, Western Agricultural Insurance Company+*, Farm Bureau Life Insurance Company+*/West
Des Moines, IA. +Affiliates *Company providers of Farm Bureau Financial Services
"
Tuesday, April 3, 2012
Networking for Your Business
Everyone need to network to increase their business. How do you go about it? I have the same question. I joined the East Polk Rotary, Altoona Chamber & Pleasant Hill Chamber. I meet with another group once a month for some business networking and twice a month I hold meeting with a group of people from Linkedin. Is that enough? I hope so. Just hang in there and keep talking to everyone and have a great time doing it. Just having your face and name out in the community is a great way to get seen.
If you want to join us for the Linkedin group look us up under the Des Moines Networking Groups. I have posted on several of them the time and place. Hope to see everyone there.
If you want to join us for the Linkedin group look us up under the Des Moines Networking Groups. I have posted on several of them the time and place. Hope to see everyone there.
Wednesday, March 21, 2012
"Protecting Yourself from Identity Theft
Identity theft is the number one fraud complaint in the United States, according to the
Federal Trade Commission,1 and it’s also America’s fastest growing crime.2 Because of
this growing crime trend, consumers surveyed said identity theft insurance was second
only to auto insurance on their wish list of products their insurance provider should offer.3
Identity Services and Fraud Expense Coverage is available with your Farm Bureau
Member’s Choice property and liability coverage.4 It costs only $25 per year, and the
coverage includes $25,000 of Fraud Expense Coverage, One-on-One Resolution
Assistance – which provides a fraud specialist as your personal advocate to guide you
through the resolution process – and a number of proactive Identity Services such as
Identity Credit Monitoring and Identity Document Recovery to ensure rapid replacement
of personal, legal and financial documents and notification to insurance companies,
employers and financial institutions in the eve nt of a natural disaster. Talk to your Farm
Bureau agent today for more information.
There are some measures you can take to help protect yourself from becoming a victim of
identity theft or fraud.
Monitor your credit
Early detection of identity fraud may help prevent greater losses, so check your credit
reports with all three of the credit- monitoring services at least annually.5 Once a year,
you can get a free report from all three credit bureaus at www.annualcreditreport.com.
Online security
Use secure Web sites when shopping online. A Web address that begins with “https”
indicates the credit card information will be encrypted or secure. It’s a good idea to
designate one credit card for online purchases for easier tracking of activity.
Safeguard personal documents
Keep credit cards and personal documents that you don’t use regularly, like your passport
or birth certificate, in a safe place. Carry only the credit/debit cards you need, and don’t
carry your Social Security card.
Taking these precautions could help protect one of your most important assets – your
good name. Talk to your Farm Bureau agent today about adding identity theft protection
to your insurance coverage.
1 “Consumer Fraud and Identity Theft Complaint Data,” January –December 2005,
http://ping.fm/SDWCE visited January 29, 2008.
2 “Identity Theft is America’s Fastest Growing Crime,” U.S. Postal Inspection Service,
http://ping.fm/BUgGC visited January 29, 2008.
3 “Study: Homeowners express great interest in insurance providers offering coverage for identity theft,”
www.namic.org/topnews/061031st1.asp , posted October 31, 2006, visited March 11, 2008.
4 Farm Bureau Member’s Choice coverage and Identity Services and Fraud Expense Coverage only available in AZ,
IA, KS, MN, NE, NM, SD, UT.
5 TransUnion, www.transunion.com; Equifax, www.equifax.com; and Experian, www.experian.com.
Tips brought to you by Farm Bureau Financial Services. For more information about products and
services, call Tammy at (515) 957-1524 or Chris at (515) 957-1616.
Securities & services offered through EquiTrust Marketing Services, LLC+, 5400 University Ave.,
West Des Moines, IA 50266, 877/860-2904, Member SIPC. Farm Bureau Property & Casualty Insurance
Company+*, Western Agricultural Insurance Company+*, Farm Bureau Life Insurance Company+*/West
Des Moines, IA. +Affiliates *Company providers of Farm Bureau Financial Services
"
Identity theft is the number one fraud complaint in the United States, according to the
Federal Trade Commission,1 and it’s also America’s fastest growing crime.2 Because of
this growing crime trend, consumers surveyed said identity theft insurance was second
only to auto insurance on their wish list of products their insurance provider should offer.3
Identity Services and Fraud Expense Coverage is available with your Farm Bureau
Member’s Choice property and liability coverage.4 It costs only $25 per year, and the
coverage includes $25,000 of Fraud Expense Coverage, One-on-One Resolution
Assistance – which provides a fraud specialist as your personal advocate to guide you
through the resolution process – and a number of proactive Identity Services such as
Identity Credit Monitoring and Identity Document Recovery to ensure rapid replacement
of personal, legal and financial documents and notification to insurance companies,
employers and financial institutions in the eve nt of a natural disaster. Talk to your Farm
Bureau agent today for more information.
There are some measures you can take to help protect yourself from becoming a victim of
identity theft or fraud.
Monitor your credit
Early detection of identity fraud may help prevent greater losses, so check your credit
reports with all three of the credit- monitoring services at least annually.5 Once a year,
you can get a free report from all three credit bureaus at www.annualcreditreport.com.
Online security
Use secure Web sites when shopping online. A Web address that begins with “https”
indicates the credit card information will be encrypted or secure. It’s a good idea to
designate one credit card for online purchases for easier tracking of activity.
Safeguard personal documents
Keep credit cards and personal documents that you don’t use regularly, like your passport
or birth certificate, in a safe place. Carry only the credit/debit cards you need, and don’t
carry your Social Security card.
Taking these precautions could help protect one of your most important assets – your
good name. Talk to your Farm Bureau agent today about adding identity theft protection
to your insurance coverage.
1 “Consumer Fraud and Identity Theft Complaint Data,” January –December 2005,
http://ping.fm/SDWCE visited January 29, 2008.
2 “Identity Theft is America’s Fastest Growing Crime,” U.S. Postal Inspection Service,
http://ping.fm/BUgGC visited January 29, 2008.
3 “Study: Homeowners express great interest in insurance providers offering coverage for identity theft,”
www.namic.org/topnews/061031st1.asp , posted October 31, 2006, visited March 11, 2008.
4 Farm Bureau Member’s Choice coverage and Identity Services and Fraud Expense Coverage only available in AZ,
IA, KS, MN, NE, NM, SD, UT.
5 TransUnion, www.transunion.com; Equifax, www.equifax.com; and Experian, www.experian.com.
Tips brought to you by Farm Bureau Financial Services. For more information about products and
services, call Tammy at (515) 957-1524 or Chris at (515) 957-1616.
Securities & services offered through EquiTrust Marketing Services, LLC+, 5400 University Ave.,
West Des Moines, IA 50266, 877/860-2904, Member SIPC. Farm Bureau Property & Casualty Insurance
Company+*, Western Agricultural Insurance Company+*, Farm Bureau Life Insurance Company+*/West
Des Moines, IA. +Affiliates *Company providers of Farm Bureau Financial Services
"
Wednesday, March 14, 2012
"Passing On More Than Traditions
According to the United States Department of Agriculture (USDA), the most recent Census of Agriculture report reveals that age 57 is the average age of principal farm operators. Over the next decade, this group of farm operators will face the prospect of passing on the family farm to a new crop of American farmers.
Deciding how to pass on the family farm can be a sensitive topic. After all, a family business is not handed down through the generations as easily as heirlooms and traditions. A successful family business transfer takes careful planning and teamwork to develop a transition strategy for the business you’ve worked decades to build.
If you’re like most of us, you want to be the one making the key decisions when it’s time to transfer your farm or other business operation. That’s why it’s wise to be prepared – with a plan in place – when the time is right.
Ask yourself these questions to help determine if you’re ready to take the next step in succession planning.
Would you like to ...
Keep your family farm or business in the family for the next generation?
Distribute business assets to your children or grandchildren who are active in the family farm or business, while maintaining fairness to your other children or grandchildren?
Make sure your business heir has the right to buy your family farm and business assets?
Provide enough cash to pay off mortgages, personal or business debts and estate taxes?
If you answered yes to any of these questions, it may be time to get started in the business transition process. We can help you build a relationship with your estate planning team – attorney, accountant, banker – and assist in creating comprehensive estate and business succession strategies. Call your Farm Bureau agent today.
Tips brought to you by Farm Bureau Financial Services. For more information about products and services, call Tammy at (515) 957-1524 or Chris at (515) 957-1616.
Securities & services offered through EquiTrust Marketing Services, LLC+, 5400 University Ave., West Des Moines, IA 50266, 877/860-2904, Member SIPC. Farm Bureau Property & Casualty Insurance Company+*, Western Agricultural Insurance Company+*, Farm Bureau Life Insurance Company+*/West Des Moines, IA. +Affiliates *Company providers of Farm Bureau Financial Services
"
According to the United States Department of Agriculture (USDA), the most recent Census of Agriculture report reveals that age 57 is the average age of principal farm operators. Over the next decade, this group of farm operators will face the prospect of passing on the family farm to a new crop of American farmers.
Deciding how to pass on the family farm can be a sensitive topic. After all, a family business is not handed down through the generations as easily as heirlooms and traditions. A successful family business transfer takes careful planning and teamwork to develop a transition strategy for the business you’ve worked decades to build.
If you’re like most of us, you want to be the one making the key decisions when it’s time to transfer your farm or other business operation. That’s why it’s wise to be prepared – with a plan in place – when the time is right.
Ask yourself these questions to help determine if you’re ready to take the next step in succession planning.
Would you like to ...
Keep your family farm or business in the family for the next generation?
Distribute business assets to your children or grandchildren who are active in the family farm or business, while maintaining fairness to your other children or grandchildren?
Make sure your business heir has the right to buy your family farm and business assets?
Provide enough cash to pay off mortgages, personal or business debts and estate taxes?
If you answered yes to any of these questions, it may be time to get started in the business transition process. We can help you build a relationship with your estate planning team – attorney, accountant, banker – and assist in creating comprehensive estate and business succession strategies. Call your Farm Bureau agent today.
Tips brought to you by Farm Bureau Financial Services. For more information about products and services, call Tammy at (515) 957-1524 or Chris at (515) 957-1616.
Securities & services offered through EquiTrust Marketing Services, LLC+, 5400 University Ave., West Des Moines, IA 50266, 877/860-2904, Member SIPC. Farm Bureau Property & Casualty Insurance Company+*, Western Agricultural Insurance Company+*, Farm Bureau Life Insurance Company+*/West Des Moines, IA. +Affiliates *Company providers of Farm Bureau Financial Services
"
Wednesday, March 7, 2012
"Road Rules for Your Young Driver
Driving can be challenging for anyone, but for those with little experience in the driver’s
seat, safety is a top concern. Fortunately, parents can take steps to increase the safety of
their young drivers by setting clear guidelines. Specific expectations can help keep your
teen focused and safe behind the wheel.
Buckle Up
According to the National Highway Traffic Safety Administration, in 2006 the majority
(58 percent ) of young people 16 to 20 years old involved in fatal motor vehicle crashes
were unbuckled. Require your teen driver and all passengers to wear safety belts at all
times; it is the law after all.
Limit Distractions
Young drivers can be easily distracted while driving. Limiting the number of passengers,
and restricting the use of cell phones and text messaging while behind the wheel can help
keep your teen focused on the road.
Zero Tolerance
Remind teen drivers that all states have zero tolerance laws for underage drinking and
driving. The majority of states have also adopted a graduated licensing system, which
restricts nighttime driving, teenage passengers, and requires that all occupants wear
safety belts. Graduated licensing requires that the permit-holder remain crash- and
conviction-free for a certain amount of time before receiving full licensure. Setting basic
road rules is one way to ensure that your teen driver understands that driving is a
privilege that must be respected.
Establish a Safe Driving Pledge with Your Teen
Visit www.fbfs.com for additio nal information and resources about teen driving,
including a Safe Driving Pledge that you and your teen can sign. It’s a good way to begin
the discussion of safe driving and helps set basic expectations and consequences for
driving performance. Click on Young Drivers in the Education & Tools section of our
website.
Sources: National Highway Traffic Safety Administration, www.nhtsa.dot.gov, visited March 19, 2008.
National Safety Council Young Drivers Fact Sheet, www.nsc.org, visited March 11, 2008.
Tips brought to you by Farm Bureau Financial Services. For more information about products and
services, call Tammy at (515) 957-1524 or Chris at (515) 957-1616.
Securities & services offered through EquiTrust Marketing Services, LLC+, 5400 University Ave.,
West Des Moines, IA 50266, 877/860-2904, Member SIPC. Farm Bureau Property & Casualty Insurance
Company+*, Western Agricultural Insurance Company+*, Farm Bureau Life Insurance Company+*/West
Des Moines, IA. +Affiliates *Company providers of Farm Bureau Financial Services
"
Driving can be challenging for anyone, but for those with little experience in the driver’s
seat, safety is a top concern. Fortunately, parents can take steps to increase the safety of
their young drivers by setting clear guidelines. Specific expectations can help keep your
teen focused and safe behind the wheel.
Buckle Up
According to the National Highway Traffic Safety Administration, in 2006 the majority
(58 percent ) of young people 16 to 20 years old involved in fatal motor vehicle crashes
were unbuckled. Require your teen driver and all passengers to wear safety belts at all
times; it is the law after all.
Limit Distractions
Young drivers can be easily distracted while driving. Limiting the number of passengers,
and restricting the use of cell phones and text messaging while behind the wheel can help
keep your teen focused on the road.
Zero Tolerance
Remind teen drivers that all states have zero tolerance laws for underage drinking and
driving. The majority of states have also adopted a graduated licensing system, which
restricts nighttime driving, teenage passengers, and requires that all occupants wear
safety belts. Graduated licensing requires that the permit-holder remain crash- and
conviction-free for a certain amount of time before receiving full licensure. Setting basic
road rules is one way to ensure that your teen driver understands that driving is a
privilege that must be respected.
Establish a Safe Driving Pledge with Your Teen
Visit www.fbfs.com for additio nal information and resources about teen driving,
including a Safe Driving Pledge that you and your teen can sign. It’s a good way to begin
the discussion of safe driving and helps set basic expectations and consequences for
driving performance. Click on Young Drivers in the Education & Tools section of our
website.
Sources: National Highway Traffic Safety Administration, www.nhtsa.dot.gov, visited March 19, 2008.
National Safety Council Young Drivers Fact Sheet, www.nsc.org, visited March 11, 2008.
Tips brought to you by Farm Bureau Financial Services. For more information about products and
services, call Tammy at (515) 957-1524 or Chris at (515) 957-1616.
Securities & services offered through EquiTrust Marketing Services, LLC+, 5400 University Ave.,
West Des Moines, IA 50266, 877/860-2904, Member SIPC. Farm Bureau Property & Casualty Insurance
Company+*, Western Agricultural Insurance Company+*, Farm Bureau Life Insurance Company+*/West
Des Moines, IA. +Affiliates *Company providers of Farm Bureau Financial Services
"
Wednesday, February 29, 2012
"Sewage Backup The biggest problems arise in systems that combine storm water and raw sewage into the same pipeline. During many rain storms, the systems are exposed to more volume than they can handle, and the result is a sewage back up situation that allows sewage to spew out into basements and other low lying drains.
At an affordable cost you can have a backwater valve installed; this sewer backup prevention device is a bargain compared to the cost and damage of mitigation a sewage loss. The valve can be installed in a short amount of time and once installed you can experience heavy rains like before; but without the headaches of a sewage backup in your home.
Even though you have taken measures to prevent sewage backup, be sure to include water backup coverage to your homeowners insurance.
"
At an affordable cost you can have a backwater valve installed; this sewer backup prevention device is a bargain compared to the cost and damage of mitigation a sewage loss. The valve can be installed in a short amount of time and once installed you can experience heavy rains like before; but without the headaches of a sewage backup in your home.
Even though you have taken measures to prevent sewage backup, be sure to include water backup coverage to your homeowners insurance.
"
Wednesday, February 8, 2012
Frozen and Broken Pipes
The cold winter freeze brings lots of hazards. At the top of the list are frozen and broken pipes, which can bring serious damage to your home or business.
Due to extremely cold temperatures each winter, many families and business owners are faced with water damage caused by frozen or broken pipes. When water freezes in a pipe it expands and can exert pressure up to 2,000 pounds per square inch causing the pipe to rupture. A ruptured pipe can spill several hundred, at times thousands of gallons of water, leaving a home or business in shambles.
The cold winter freeze brings lots of hazards. At the top of the list are frozen and broken pipes, which can bring serious damage to your home or business.
Due to extremely cold temperatures each winter, many families and business owners are faced with water damage caused by frozen or broken pipes. When water freezes in a pipe it expands and can exert pressure up to 2,000 pounds per square inch causing the pipe to rupture. A ruptured pipe can spill several hundred, at times thousands of gallons of water, leaving a home or business in shambles.
Friday, February 3, 2012
How can life insurance provide protection in Retirement Income Distribution?
Life insurance can provide many benefits for the beneficiary(ies) of the insured. The death benefit is generally income tax free to the beneficiary. It can be used to provide for final expenses and needed cash at death. Life insurance can be used to replace income for the spouse from a lost pension or Social Security ...benefit. Life insurance proceeds can be used to fund a trust for children’s health, education, maintenance, and support. Other needs may include funding special needs trusts or providing charitable gifts.
Life insurance can be used to fund a buy-sell agreement for business continuation. Life insurance can be a great tool to pay estate taxes that are due. Permanent life insurance can also provide income in situations where the policy has been properly funded. The cash value of a life insurance contract can be put into a payment option to provide an income stream. On a properly funded permanent life insurance contract, clients can also use policy withdrawals and/or loans to provide an income source. Any cash withdrawal or loan can reduce the death benefit on the life insurance policy.
Life insurance can provide many benefits for the beneficiary(ies) of the insured. The death benefit is generally income tax free to the beneficiary. It can be used to provide for final expenses and needed cash at death. Life insurance can be used to replace income for the spouse from a lost pension or Social Security ...benefit. Life insurance proceeds can be used to fund a trust for children’s health, education, maintenance, and support. Other needs may include funding special needs trusts or providing charitable gifts.
Life insurance can be used to fund a buy-sell agreement for business continuation. Life insurance can be a great tool to pay estate taxes that are due. Permanent life insurance can also provide income in situations where the policy has been properly funded. The cash value of a life insurance contract can be put into a payment option to provide an income stream. On a properly funded permanent life insurance contract, clients can also use policy withdrawals and/or loans to provide an income source. Any cash withdrawal or loan can reduce the death benefit on the life insurance policy.
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