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First State Bank Insurance Services, an independent insurance provider, offers the following products:
- Home Insurance
- Replacement or Actual Cash Value; Broad Form or Special Form
- Have you had your coverages reviewed?
- Auto Insurance
- Liability Limits; Physical Damage Deductibles; Optional Coverages
- Have you had your coverages reviewed?
- Farm Insurance
- Comprehensive Package Policies available; includes property, liability, blanket farm property, farm trucks, farm autos, and umbrella coverage.
- Crop Insurance
 MPCI policies
- Hail policies
- CAT policies
- Business Insurance
- Property & Liability and Business Auto coverage
- Group health ins., critical care ins., life ins., & long-term care ins.
- Owners business continuation insurance (life & disability)
- Life Insurance
- Personal: Term, Universal Life, and Whole Life options
- Term – higher coverage, lower premiums for a set time period
- U.L. or Whole Life – cash accumulation, premiums don’t increase
- Business: Term, Universal Life, and Buy-Sell agreements
 Health Insurance
Wellmark Blue Cross & Blue Shield and Assurant Health plans currently offered.
- Short-term policies for individuals between jobs or laid-off
- Standard PPO individual policies
- Individual policies with high deductibles
- Health Savings accounts
- Business group plans
- Long Term Care Insurance
Golden Rule, MetLife, State Life, and Allianz plans currently offered
- Individual Health Based Plans
- Tailor your policy to your needs and pay premiums for a limited time or continuous. Riders available for return of this premium.
- Individual Asset Protection Plans
- Transfer a current asset such as Cash, IRA, CD, or Annuity to fully fund this policy. Your money goes to your heirs or a charity income tax-free if you don’t use the long-term care benefits. i.e. if you don’t use it – you don’t lose it. A rider is available for a premium to insure coverage if you do use all of the asset portion of the policy.
- Business Group Plans
- 10% discount on premiums
- Spouses and parents qualify to buy under employee plan
- C-Corp, premiums tax deductible advantage
- Executive Carve Out – benefit advantage
These products are not insured by the Federal Deposit Insurance Corporation or any other governmental agency. They are not deposits or other obligations of, or guaranteed by First State Insurance Agency or First State Bank of Mapleton and are subject to investment risk, including possible loss of principal.
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