Are you prepared for anything life throws at you? Personal insurance products are an important part of any family’s financial plan, as they help you avoid large unexpected expenses that could lead to crippling debt or bankruptcy. When you go to local insurance advisors like Farmers and Merchants Financial Services, Inc. instead of a national company, you’ll enjoy friendly and personalized service from employees who live and work in the same community as you. We can help you evaluate the coverage you already have, whether through an employer or another insurance company, to determine whether or not you have the right kinds and amount of insurance. Sometimes individuals can realize savings by consolidating their insurance coverage in one company.

Life Insurance Coverage

Life insurance policies protect your family from loss of income or loss of the primary childcare provider in the event of death or serious injury. Many life insurance policies provided by employers don’t offer the amount of coverage a family would actually need, so it’s important to review any existing life insurance policies you have and make sure your family would be provided for in relation to your current standard of living.

  • Term life Insurance consists of paying premiums annually or monthly for a certain period of time in which your family is covered under your policy. Some families want additional coverage while their children are young, in case an income-earning or childcare-providing parent dies or becomes permanently disabled. Other term-specific concerns include mortgages, college, and schools loans or other debt.
  • Whole life Insurance provides a cash benefit that may grow in value in order to assist your family with income loss, funeral expenses, and other concerns resulting from your death.
  • Universal life Insurance offers flexibility, tax benefits, and the ability to borrow against your policy while you are still alive in order to cover large or unexpected expenses.

Contact our Infinex Financial Group Team today!

Get the coverage you need, at rates you can afford, from your local insurance company. Contact us today or stop by your local branch in Augusta, Page, Rockingham, or Shenandoah county to learn more. Individual insurance is a personal matter, so it’s best to discuss your policy options with an experienced member of Farmers & Merchants Financial Services, Inc.’s personal insurance team.

Securities offered through INFINEX INVESTMENTS, INC. Member FINRA/SIPC. Farmers & Merchants Financial Services, Inc. is a subsidiary of Farmers & Merchants Bank. Infinex is not affiliated with either entity.

Securities and Insurance Products:

Not Insured By FDIC or any Federal Government Agency May Lose Value Not a Deposit of or Guaranteed by the Bank or any Bank Affiliate