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Personal Insurance

Personal insurance can help protect your most valuable possessions, from your grandma’s wedding ring to your lake house. Click below for more information on the different insurance lines we offer. 
 

Home

Home insurance policies combine various personal insurance protections, which can include losses to the home, its contents, additional living expenses and loss of other personal possessions. It can also include personal possessions and liability insurance for accidents that may happen at home.

What we need:
  • Full name, birth date, social security number for named insureds
  • Year house was built and year of updates to roof, electrical, plumbing, and heat
  • Copy of current policy, if available

Auto

Vehicle insurance - also known as auto insurance, GAP insurance, car insurance and motor insurance - protects your cars, trucks, motorcycles and other road vehicles.

What we need:
  • Full name, birth date, social security number and driver's license number for all drivers in the household
  • Copy of current policy, if available

Specialty Lines

For your special insurance needs. We offer umbrella, motorcycle, watercraft, ATV, RV, collector cars, flood and landlord insurance.

What we need:
Auto/Recreational Vehicles/Watercraft
  • Full name, birth date, social security number and driver's license number for all drivers in the household
  • Copy of current policy, if available


Property
  • Full name, birth date, social security number for named insureds
  • Year house was built and year of updates to roof, electrical, plumbing, and heat
  • Copy of current policy, if available

Term Life Insurance

Term life provides protection for a specified period of time. If the insured dies within the time of the term insurance, the beneficiary receives the death benefit. Level premium term life insurance has premiums which remain level over a specified period of time. These plans have premiums that remain level for a period of 5, 10, 15, 20, 25, and 30 years. After the initial level period expires, the annual premium increases each year, subject to a guaranteed maximum. In general, term life insurance is suitable when your life insurance needs are temporary or your life insurance needs are long-term but your budget does not permit the higher premiums of permanent life insurance

Whole Life Insurance

Whole life insurance is permanent life insurance and provides protection for life. As long as premiums are paid, a death benefit is paid to the beneficiary. The premiums for whole life insurance policies are designed to remain level over time. In addition, these policies accumulate cash values on a tax-deferred basis. The rate of return on whole life insurance cash values is dependent upon a number of factors including the results of an insurance company's investment performance. Cash values can be used for a variety of options:
 
  • The policy can be surrendered at any time for the cash surrender value.
  • The policy owner can take out a loan and use the cash value as collateral.
  • The policy can be changed to a reduced death benefit amount that is paid up.
  • The cash values may be used to pay premiums for a certain period of time.
  • The cash surrender value can be used to supplement retirement income.

Whole life insurance policies are valuable because they provide permanent protection and accumulate cash values that can be used for emergencies or to meet specific objectives. The cash values of whole life insurance policies may be affected by a life insurance company's future performance. Some factors that influence a life insurance company's performance are expenses, mortality experience, and investment performance.