Low Auto Rates Low Auto Rates Low Auto Rates
Vehicle models which have lower claims payments are given a rate lower than their MSRP. We offer lower rates on comprehensive and collision coverages for more than 500 vehicle models.

Fast, Fair, Friendly Claims Service
Having your claim handled quickly, fairly and courteously is important to you. And, it's important to us too. We take pride in our commitment to provide you with prompt, courteous service in the event of a loss. We're there when you need us, whether it's for a fender-bender or a major accident.

Towing and Road Service
When you or your loved ones are stranded and need help, we're as close as the telephone. You can reach us 24 hours a day, 365 days a year, with just one toll- free call. And, with our sign-and-drive feature, you won't need a credit card or check to get the help you need.

Auto Glass Replacement Program
Our Auto Glass Replacement Program takes the headache out of repairing or replacing damaged or broken auto glass. An optional program allows you to simply notify your Agent when the damage occurs. In most cases, repairs will be made within 24 hours.

Youth Education and Safety Program
Making sure the new drivers in your household know as much as there is to know about auto insurance and driving safety is no easy task. We feel that's part of our responsibility too. That's why we developed the Youth Education and Safety program (Y.E.S.). This program presents information that can improve a young person's driving. In some states, young drivers who complete this program may qualify for a discount on their auto insurance.

Ways to Save Money
Our carrier offers many discounts to help keep your premium as low as possible, including Good Driver, Good Student, Auto/Home, Multi-Car and more. Call us about the available discounts you may qualify for.

Deferred Annuity
The return on deferred annuity contributions is tax-deferred until the annuity payout begins, usually at retirement. Generally, with a deferred annuity, you start with as little as $50, and make contributions on a monthly or annual basis. The more you contribute, the more your annuity grows. You can also set up a deferred annuity with a single payment. Your single contribution continues to grow until the specified payout time. If you should die before receiving annuity payouts, your named beneficiary receives the total of your contributions plus earnings in the annuity.

Immediate Annuity
This is a single payment annuity often purchased by people who are ready to retire. It is a way to ensure an income stream from the proceeds of a pension plan, Traditional IRA or other retirement vehicle. The level of monthly income depends on the amount of time the annuity payouts are to be continued -- 10 years, 20 years or for the rest of your life.

Tax-Sheltered Annuity
Employees eligible to establish a Tax-Sheltered Annuity are those employees of:
Public schools, state colleges and universities
State departments of education
Qualifying non-profit, tax-exempt hospitals and medical schools
Parochial schools
Religious organizations
Private colleges and universities
Foundations and charitable institutions
(The above is not intended as a comprehensive listing of eligible employees.)
Contributions to a Tax-Sheltered Annuity are not included in the employee's gross income, and are therefore not subject to federal income tax withholding. They are, however, subject to Social Security tax.

Payout Options
You can schedule your payouts on a monthly, annual or other basis. You can also choose the length of time you will receive payouts.

Fixed Term Certain Payout -- you receive a payout for a specified number of years after you retire.
Life payout -- you receive a payout guaranteed for your life.
Fixed Term/Life Payout -- You receive payout for life. Should you die before the annuity pays benefits for the specified term, your beneficiary receives the same payout for the remainder of the term.
Joint Survivor Payout -- You and your spouse receive payout until one of you dies. The survivor then receives a reduced payout for life. The reduced payout is generally 50% to 100% of the original payout.

Comparing an Annuity with a CD
Mortality studies show people are living longer and will need to increase savings to supplement Social Security. Annuities offer the advantage of being tax-deferred until distributed. Distribution usually occurs when the annuitant is retired and in a lower tax bracket. Interest on a CD is taxable every year interest is earned.

About The Policy
You can enjoy carefree cruising with our boat owners policy. The policy protects you anywhere in the territorial limits of the Western Hemisphere.* You, your boat, outboard motor, boat trailer, plus any equipment and accessories you wish to include, * are protected by your low-cost policy.

Plus...
· 30-day automatic coverage for newly acquired or replacement boats (that qualify under policy guidelines), motors and trailers.
· A variety of deductibles to choose from.
· An available discount if you have completed the Coast Guard Auxiliary "Safety and Seamanship" Course or the U.S. Power Squadron's "Boating Course."
· Includes coverage for scheduled trailers and equipment not permanently attached for up to to 10% of the hull coverage amount on your boat, at no additional cost.
· $1,000 per person medical expense for guest skiers ($2,000 per occurrence).
· A Boat/Home discount/credit may be available when you insure your boat and home with us.**
*Refer to your specific policy for the coverage's and exclusions.
** Not available in all states.

LIFE insurance covers your family's needs in the event of your death, from funeral expenses to ongoing financial requirements. There are several types of life insurance that offer different coverage and payment options. Before you decide which works for you best, you should know:

How Life Insurance Is Typically Used:
For any immediate needs at the time of death, such as final illness expenses, burial costs and estate taxes. For funds for a readjustment period, to finance a move, or to provide time for family members to find a job. For ongoing financial needs, such as monthly bills and expenses, day-care costs, college tuition or retirement.

Term Insurance
Term insurance provides coverage for a specific period of time. It pays a benefit only if you die during the term. Some term insurance policies can be renewed when you reach the end of the specific period. Others give you the ability to reenter. The premium rates increase at each renewal date or each reentry. Many policies require that evidence of insurability be furnished at reentry for you to qualify for the lowest available rates.
Initially, premiums are generally lower than those for permanent insurance, allowing you to buy higher levels of coverage at a younger age, when the need is often the greatest.

Whole Life
This is the most common type of permanent insurance. The premiums for a whole life policy must be paid as scheduled in the amount indicated in the policy. These premium amounts remain constant over the life of the policy. The death benefit and cash value are guaranteed as stated in the policy if premiums are paid when due and there are no loans or withdrawals outstanding at the insured's death. Quite often dividends may be credited to this type of policy.

Universal Life
This variation of permanent insurance allows you, after your initial premium payment, to pay premiums at any time, in virtually any amount, subject to certain minimums and maximums. You can also increase or reduce the amount of the death benefit more easily than under a traditional whole life policy. Typically, current interest rates are credited to the cash value in this type of policy.

Replacement Cost on Contents
Replacement Cost on Contents is provided with some of our plans, or can be purchased for additional premium. This coverage provides for replacement of your damaged property without deduction for depreciation, subject to certain qualifying conditions and limitations.

Homeowners Insurance
Our Preferred Homeowners policies offer you liability, building, and personal property coverage for losses due to many perils, including fire, theft, wind and lightning. We also offer various optional coverages that will help you tailor a policy to meet your individual needs.

Condominium and Townhouse Insurance
These policies are designed to meet your coverage requirements when you live in a condominium or townhouse. Coverages are offered for assessed losses as well as personal property damage and liability protection.

Mobile Homeowners Insurance
Enjoy carefree mobile home living with our Mobile Homeowners Insurance. Our policy protects you against financial loss resulting from certain perils that may occur.

Renters Insurance
Our Renters Package provides you with the liability and property protection renters need. We can provide specific details on the various types of coverage available on this policy. For complete information about the benefits and coverage's of any of our homeowners plans, please contact us.

EACH YEAR, more properties within flood plains are destroyed by flooding than by fire. Changing weather patterns, increased urban development, and the leveling of forests have reduced the land's natural ability to absorb water. As flooding becomes a common occurrence, property owners need to face the facts -- Everyone lives in a flood plain. Flood damage can happen anytime, no matter where you live.

A Homeowner Policy Doesn't Cover Flooding
Property owners know a Homeowners policy covers fire damage, but most don't realize that it won't cover flood or mudslide damage. Rising waters and debris can destroy your home, business, and personal belongings within minutes. If you don't have the coverage, you have nowhere to turn for help.

Federal Assistance is Difficult to Obtain
Most floods don't qualify for federal disaster aid. Only floods that are declared national disasters by the President qualify for federal assistance. This assistance is in the form of a grant averaging less than $2,500, or a federal loan that must be paid back with interest. That loan is in addition to payments on your existing mortgage loan.

Flood Damage is a Growing Problem
As more flooding occurs throughout the country, the cost of rebuilding is skyrocketing. Floods now cause more than $2 billion in property damage each year. That's your tax money being used to help thousands of flood victims across the country. There is an answer -- Flood insurance.

Flood Insurance Puts You in Control
Only Flood insurance protects your home and your belongings from rising water or mudflow. Flood insurance is available for the structure, minus the land value. Contents coverage is also available, but is optional and must be requested. Even if you've had previous flooding, you can still buy Flood insurance. If you've received disaster assistance before, you must first obtain Flood insurance to be eligible for future federal relief. Mortgaged properties within Special Flood Hazard Areas are required to maintain Flood insurance for the life of the loan.

Flood Insurance Costs Less than Flood Damage
The average Flood policy is only $324 a year -- that's less than $1 a day. Compare that to a typical disaster loan of $50,000, costing more than $300 a month for over 18 years! Flood insurance pays all covered claims even if a federal disaster is not declared. Claims are paid quickly so victims can recover faster. You can even get a partial payment right away to get started. Flood coverage is available up to $250,000 for your home, and up to $100,000 for the contents.

Flood Insurance is Easy to Buy
Anyone can buy flood insurance if his or her property is located in a community that participates in the National Flood Insurance Program. Homes, condos, apartments, and business structures are all eligible. Even renters may purchase flood insurance for their possessions. Since Flood premiums are set by the US Government, your rate is the same from any insurer. Premiums are due on an annual basis.

Don't Wait for Disaster to Strike
Over 90 percent of all US natural disasters include flooding. The best time to buy flood protection is now. Flood insurance claims are paid by policyholder premiums, not taxpayer dollars. Flood insurance is the best way to protect yourself and reduce the cost of flood disasters. There is a 30-day waiting period on most new Flood policies, so contact us now for more details.