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Insurance is a topic most of us generally relegate to the same status as taxes and in some case is easily neglected and little thought about until we receive the premium billing. Like tax management and maybe even more so, since a major component of taxes is unavoidable, proper insurance management can go a long way in providing the best insurance coverage for the least dollars spent. 

Do I have the proper insurance coverage? Do I have holes or double coverage in my insurance? Am I over insured, underinsured, or properly insured? Do I need supplemental insurance coverage? Should I or do I need to take out a special risk insurance policy?  Can I reduce underwriting risk? Can I save money? 

All of these are valid questions and whether you own a business, a farm or are an individual, from time to time one should have their entire insurance program reviewed with the idea of addressing these questions and any others that may be unique to your situation. A little time invested can easily save you a lot of money in the long run. 

Our resident insurance agents Brandy Darrow and Sherry Herald can review your insurance and give you an honest assessment of your insurance coverage and may even find ways to save you money. 

All it takes is for you to give them a call at 800-320-9273 or 217-322-6758 

This service is provided free of charge and is another way we at First State Bank of Beardstown are: 


( Insurance products are Not FDIC Insured; May go down in value; Not Financial Institution guaranteed)


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