Insurance Plans

            Insurance is a way of managing risks. When you buy insurance, you transfer the cost of a potential loss to the insurance company in exchange for a fee, known as the premium. Insurance companies invest the funds securely, so it can grow, and pay out when there’s a claim.

Insurance helps you:

  • Own a home, because mortgage lenders need to know your home is protected
  • Drive vehicles, because few people could afford the repairs, health care costs and legal expenses associated with collisions and injuries without coverage
  • Maintain your current standard of living if you become disabled or have a critical illness
  • Cover health care costs like prescription drugs, dental care, vision care and other health-related items
  • Provide for your family in the event of a death
  • Run a small business or family farm by managing the risks of ownership
  • Take vacations without worrying about flight cancellations or other potential issues

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