I began my career as an agent with MFB in 1996, became an ASM in 2013, and earned my LUTCF in 2016. I have achieved the Court of Excellence award numerous times along with the Presidents All American award. I am the recipient of an honorary FFA Area degree and the Friend of 4-H award, have served on the Extension Council, past president of the Shelbina Chamber of Commerce, and hold membership in the AF&AM, Shelbina Masonic Lodge #228. I attend the Paris First Christian Church where I currently serve as the chairman of the Elders Committee and a Trustee.
Some people think young drivers pay too much for auto insurance. They feel younger motorists are being penalized. But this isn't true. Young drivers are involved in 39% of Missouri's accidents. Over 26% of the drivers under the age of 26 are involved in an accident each year. By comparison, only 8.67% of motorists in the 66 and over age group have accidents annually.
Are you renting an apartment or home? It is important to protect your personal property against loss and maintain liability insurance. A renters policy may include the following coverages...
Home Insurance
Make sure your auto and home insurance coverage are adequate. Catastrophic events can put your new family into financial hardship if you are not properly covered.
To help you calculate how much life insurance you need, Missouri Farm Bureau Insurance has developed a system that will present you with a suggested life insurance coverage level and any coverage gap that may exist.
Health Insurance
Providing health insurance solutions for employees and job seekers gives employers an edge when attracting and maintaining qualified talent.
Disability Insurance
Farm Bureau offers a range of Health Insurance products to meet the needs of individuals, families and employers through nationally recognized carriers. Options include individual health insurance, Medicare Supplement insurance, disability insurance, dental insurance, long term care coverage for individuals and families.
Long Term Care
Plan your health insurance strategy. Is there a gap between retirement and the age requirement to qualify for Medicare? Will any temporary plans be needed in the interim? Will Medicare be enough or is a supplemental policy needed? If applicable, is a long term care policy needed?
Our agents, your risk management specialists, will guide you through the types of risks your business may be exposed to and offer coverage solutions specific to your business. These descriptions can be used as a general guide to unique business coverage options.
Workers Compensation Insurance
This coverage provided by part 2 of the workers compensation policy provides coverage to the insured (employer) for liability to employees for work-related bodily injury or disease, other than liability imposed on the insured by a workers compensation law.
Commercial Liability Insurance
BUSINESS LIABILITY PROTECTION - Protects if someone is injured on your property due to your negligence. Your liability policy may pay for their injuries and any legal costs.
Professional Liability Insurance
PROFESSIONAL LIABILITY - Professional liability insurance, also known as errors and omissions (E&O) insurance, covers a business against negligence claims due to harm that results from mistakes or failure to perform. There is no one-size-fits-all policy for professional liability insurance. Each industry has its own set of concerns that will be addressed in a customized policy written for a business.
Annuities provide an opportunity to accumulate funds on a tax-deferred basis. An individual fixed annuity is a type of long-term personal retirement account designed to help your assets grow and provide a steady income stream when you retire. Your interest accumulates on a tax-deferred basis with no federal or state income taxes on your earnings until they are withdrawn. The fixed annuity also guarantees the return of principal and there is a guaranteed minimum rate of return.
Liability Insurance
You've worked hard to build wealth. Umbrella insurance provides catastrophe protection to an individual or company against financially crippling lawsuits demanding substantial sums of money as damages. This coverage pays sums in excess (over the top) of the underlying liability limits of your existing auto, home or business policies.
Pet Insurance
Choosing pet insurance can be a significant decision for pet parents. Not only is pet insurance a financial choice, but it is also important when it comes to taking care of your pet’s health.
Standard homeowners policies don't cover flood damage to property and possessions. Instead, coverage must be purchased through the National Flood Insurance Program (NFIP), a service offered by the Federal Emergency Management Agency. For homeowners in high-risk areas, lenders generally require this coverage. For other consumers the coverage is optional.
Earthquake Insurance
Earthquake insurance is a concern for many Missourians. The New Madrid Seismic Zone (NMSZ) consists of several faults crossing five state lines extending in southward from Charleston, Missouri south along I-55. The peril of Earthquake is not covered by most unendorsed homeowner or commercial property policies. Farm Bureau Insurance has solutions available for earthquake insurance coverage.