• Preferred and standard auto
• High risk auto
• Motorcycle
• Motor homes
• Camping trailers, travel trailers, utility trailers

• Homeowners and Homeowners plus protection
• Condominium unit-owner's insurance
• Renters insurance
• Personal umbrella liability
• Replacement cost contents protection
• Inland Marine personal articles

• Provides $1 Million or more in additional liability protection over your home and auto policies.
• Includes an option to increase your protection if you’re hit by an uninsured driver
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• Low cost coverage for a large amount of extra protection.
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• Protects you assets from liability claims

• Term Insurance-offers you a choice of term lengths and coverage amounts and gives you the maximum amount of coverage for your premium dollar.
• Return of Premium Term: Refunds all of your premiums if you live beyond the term of the policy. Great for protecting mortgages and family expenses. The large lump sum can be used to pay off the rest of the mortgage, pay tuition expenses, invest in retirement, or anything else that you may need.
• No lapse-Universal Life: Similar to a life-time Term policy, coverage continues as long as the premiums are paid. Great lower-cost alternative to other permanent life insurance options.
• Universal Life-Flexible policy that builds cash value. You can adjust your premium and face amount over time to fit your needs.
• Whole Life-Guaranteed protection for the rest of your life. Offers options to pay-up early, build cash value, borrow against the value in the policy, and predictable payments for life.
• Burial Insurance to protect your loved ones from the financial burdens of funeral, burial and final expenses.

First Step , which provides your children with a base for saving and planning for a lifetime. Coverage is available through age 30, with the option to convert to a permanent life policy at that time.

We can also help you prepare for your retirement and protect you during periods you cannot work due to disability:

• The Income Protector Policy safeguards your income and protects you and your family from the worries of disability.
• Individual Retirement Accounts include both conventional and ROTH, so you can choose the plan that best fits your needs.
• The Preferred Choice Annuity Series offers competitive interest rates and no monthly fees.
• Long Term Care Coverage-Protect yourself and your family against the expenses associated with long-term-care.

Businesses can benefit from life insurance to fund Buy/Sell Agreements or “Key Person” policies to replace lost revenue caused by the death of someone essential to your business.

Be sure to ask about discounts on your home, auto, and business insurance by combining them with a life policy.

• Farm dwelling and household personal property coverage
• Farmers comprehensive personal liability coverage
• Medical payments coverage
• Coverage for physical damage to the property of others
• Inflation guard protection

We offer a broad line of products to meet your business insurance needs. Products and services include:

• A Businessowners' Policy that is broad and comprehensive to meet the needs of business owners in the areas of property and liability coverage. Coverage for specific businesses and optional extended coverage are also available.
• The Commercial Package Policy is flexible to ensure comprehensive coverages tailored for specific businesses. It includes Property, Comprehensive General Liability, Crime, Inland Marine and Automobile coverages.
• The Commercial Umbrella Policy provides the extra protection every business requires with extra limits where general liability and automobile limits end.
• Loss Control Services that help you reduce loss severity exposure, provide information on reducing loss frequency, and identifies safety programs.