Farm Insurance Agents » Farm Bureau Insurance

Successful Farm Insurance Agents Understand That Knowing Their Clients Is The Key

admin — Tue, 27 Jan 2009 06:00:59 +0000

When it comes to asking questions that get results, no one does it better than a successful farm insurance agent.

They seem to have a special knack – you might even call it a philosophy of communication that gets their prospects – the farmers and business owners who depend on them, to open up and tell them about their hopes and fears for their family and their business.

The best of them ask the most in depth questions and get answers to them, without seeming aggressive or pushy. It often comes across to their clients and prospects that they have an interest in them along with a natural curiosity that always makes them want to know more.

And they are masters at creating a relaxed atmosphere for everyone – an environment that encourages openness.

Successful farm insurance agents always seem to know which questions to ask in order to get to the root of the matter – to learn clearly what’s important to the business owners and farmers they serve. They know how to involve their prospects in the conversation.

They know that selling in the 21st Century is collaborative – it is not a monologue sales pitch.

The result, more often than not, is that the prospect ends up creating the solution – makes the buying decision themselves. Their clients come to their own conclusions regarding the best actions to take for the security of their family and business.

Successful farm insurance agents involve their prospects in a way that makes it natural for them to tell them their deepest secret fears and desires. When they demonstrate their willingness to listen, these successful business owners open up completely.

Farm insurance agents I have spoken with tell me this is not magic – it’s just their way. They tell me that their attitude about questioning is what allows them to establish a line of communication with their prospects.

Successful farm insurance agents know that people want to tell you everything – if you are interested in listening, if you are not challenging them, if you are interested in opening up a line of communication – not just pitching your favorite product du jour.

Successful farm insurance agents know theirs is not a relationship that presents a challenge to the other advisiors – they complement one another and because the farm insurance agent gains so much personal insight so quickly, they are positioned as an advocate for the farmer with these other advisors.

The example that comes to mind is trying to push a shopping cart full of beach stuff through deep sand. After about three steps you’re stuck. The harder you push the more stuck you become. So, being the clever resourceful person that you are, you go around to the front and begin to pull it.

Bingo, it moves easily – the same way as a business owner moves through the process of helping their farm insurance agent understand them better. Ask them whatever you want to know and they’ll respond if they believe you are really interested.

Once they are invloved telling their story the agent has their attention and vice versa. Only then can the conversation become a collobration that results in action being taken.

Remember the expression. “I’m rubber and you’re glue – anything you say bounces off me and sticks to you” from when you were a kid? The successful farm insurance agent understands that their role in an interview with a farmer or business owner is to be the rubber.

They are a virtual mirror. A mirror held up to the prospect’s face – to allow them to see themselves more clearly – to better understand what he or she feels is important – that they want and deserve for their family, their business and themselves.

Farm insurance agents understand that their role is to understand their clients inner most hopes, dreams, and fears.

The problems discussed have become the client’s problems. The solution is the client’s solution and it will be very difficult for anyone to upset the decisions the client has made and derail the actions being taken.

Farm Bureau Insurance – Time To Change

admin — Thu, 04 Mar 2010 06:45:20 +0000

Mad Genius created this 15 second spot for Farm Bureau Insurance as a tie in with their sponsorship of a NASCAR Sprint Cup racing team.

Duration : 0:0:15

Farm Insurance Agents in the News

admin — Tue, 13 Jan 2009 18:16:53 +0000

When it comes to finding the right person to handle the insurance needs of your family, farm, or business – farm insurance agents are uniquely qualified to consider the human and business implications that effect you. Their solutions are tailor made to your needs.

Our web site offers information of value to you, whether you are a farm insurance agent yourself, whether you are considering becoming one, or if you are a farm/business owned wanting to know more about them.

Here are some recent posts that we’ve found that you might be interested in.

Financial Services Oversight Hearing on the Implementation of the … – Cameron Findlay, Executive Vice President and General Counsel, Aon Corporation on behalf of The Council of Insurance Agents & Brokers. Panel 3. Dr. Alan S. Blinder, Gordon S. Rentschler Memorial Professor of Economics and Co-Director of …
fema, mema to offer insurance agents icc workshop - any interested insurance agents who want more information on the increased cost of compliance (icc) portion of flood insurance policies are invited to attend a free workshop on filing claims under the program.
ag addresses southeastern insurance association – attorney general martha coakley was the keynote speaker yesterday at the annual meeting of the metrosouth independent insurance agents association. the meeting was held at the shaws center in brockton. attorney general coakley spoke …
Irda may change commission structure of insurance agents – Money … – Irda may change commission structure of insurance agents, Currently, Life Insurance Corp. of India, or LIC, the country?s biggest insurer by premiums, pays commissions based on the tenure of the policy, Money Matters.
UNUM PROVIDENT UK US INSURANCE POLICIES: Insurance News … - StreetInsider.com (subscription), MI – 3 minutes ago. MAYFIELD VILLAGE, Ohio–(BUSINESS WIRE)– Independent insurance agents who want to grow their business by harnessing the power of the Progressive name need . …

Farm Insurance Agents and the Power of a Buy – Sell Agreement

admin — Fri, 02 Jan 2009 21:31:57 +0000

If it turns out that your offspring are not interested in sunning your farm or business into the next generation you have two options.

Option number one is for you to keep working forever (ok you may be able to find someone to rent it) until you simply wear out and die. At that point your widow (wives outlive husbands by an average of 10 years on the farm) can put it up for sale.

Option number two is for you to negotiate the sale of your place in advance, getting the best price and terms possible, so that your family’s financial future position is secured and known well in advance.

For most of those who choose Option #1 getting the maximum value for their lifetime of hard work is a pipe dream. Potential buyers will offer less than the farm/business is worth for a couple of very logical – to them, reasons. You will not be around to reason with them so what makes sense to the potential buyers is much more important that what your family may think is true.

Typically farm insurance agents have seen these unhappy scenarios play out again and again where people they know thought they were somehow special and the rules of nature and finance would not apply to them. People who learned, or at least their families learned, the truth the hard way.

If farming was easy, anybody could do it. Good years and bad years come and go with some farmers doing better than others during both the up years and the down. Your efforts and your knowledge are probably responsible for some of the profits and success you’ve had over the years.

If you’re no longer around, everything else being equal, your farm’s profits will shrink and the farm’s earning power will decline. In fact the farm, without you, may no longer exist as a going concern that produces income above what you could rent the land to a neighbor for.

If you have special knowledge and experience that produces fatter cattle, more milk per head, greater yields, etc. buyers will want to discount the price to or below the local rental value since you will not be available to provide your special insights to help them get the most from their investment.

Another problem is that the purchase price will be arrived at through negotiation, without you, allowing potential buyers to offer less than the asking price. The final price will be the result of a compromise reflecting the bargaining strength of both parties. Who do you think will have a stronger position, the potential buyer or your family, if you’re not around?

In most situations the potential buyers will have more leverage and so they will have more control of the final price and the terms. If your family also needs cash and the potential buyers know it, there may be a tremendous loss of total price in exchange for the cash your family needs desperately. Your family will inevitably receive less than the full value of what you’ve built.

Farm insurance agents know that there is a way, Option #2, where you can make sure your farm business is sold for what it’s really worth. That’s by doing your negotiations NOW while you’re in your best bargaining position.

You can seek out, maybe with your business accountant’s and lawyer’s help, interested purchasers and negotiate an agreement that will give your family the most possible dollars for your years of hard work. Naturally the best way to accomplish this is with a written contract that establishes the terms of sale – today, in advance of the day it will be needed.

Such a contract is called a Buy & Sell Agreement. It formalizes the procedure for transferring your interest over to new owners. It provides a smooth transition of ownership and minimizes lost business value.

If you are in business with one or more people a Buy & Sell Agreement is an absolute necessity. If one of you leaves the business it’s likely the others will want to continue. Isn’t that your situation? Wouldn’t you want to continue the farm if your partner left?

In fact, you and your partners probably have the same concerns. You both want full value for your interest if you leave and you want to take over the farm if they leave the business first.

If you are a sole owner you can enter into a Buy & Sell Agreement with a key employee, an outsider such the son of a neighboring farm owner, or even a competitor. If you are selling the buyer should not matter as long as the price is one you agree upon as fair, the terms fit your needs, and the buyer has the resources to make the payments.

So, where should you go to learn more about the ins and outs of Buy & Sell Agreements and how they can help you achieve your objectives? Farm insurance agents have access to the tools and the terms of agreements used successfully by other farm owners.

Farm insurance agents can also arrange for the financing of the agreement so that the buyer gets a huge discount, payments are only required while you are around to make sure they are being made, and farm insurance agents are the only people who will attend your or your partners funerals with a cashier’s check in their pocket for your and/or your family.

How likely is it that my auto insurance premium will increase if I file a claim? I currently have Farm Bureau.

admin — Wed, 03 Mar 2010 21:41:09 +0000

Just because you file a claim, does not mean that your rates will automatically go up. If you are not at-fault for the accident it is unlikely. If you are not at-fault, your insurance company will recover the damage they pay out from the responsible party. Some insurance companies offer "accident forgiveness" plans. Perhaps yours does.

If you have had several accidents over a short period of time, and you were not at-fault, your premuim may go up. Use your insurance, that is why you have it, isn’t it?

I have used my insurance on occasion, and my rates have never gone up.

Premium increases could be related to increases approved by your state.

Farm Bureau Insurance – This Is Fast

admin — Tue, 02 Mar 2010 08:41:05 +0000

Mad Genius created this 15 second spot for Farm Bureau Insurance as a tie in with their sponsorship of a NASCAR Sprint Cup racing team.

Duration : 0:0:16

Farm Bureau Insurance – Holland, MI

admin — Sun, 28 Feb 2010 08:21:04 +0000

Farm Bureau Insurance 616-396-3333 http://www.yellowbook.com/profile/farm-bureau-insurance-cal-timmer-agency_1845237309.html

Duration : 0:0:36

Can our mortgage company require us to go with their insurance company?

admin — Thu, 25 Feb 2010 00:20:22 +0000

We are in the process of trying to refinance with a new mortgage company. We currently have homeowner’s insurance through Farm Bureau Insurance, as well as boat, automobile, and life insurance. The mortgage company we are refinancing with is saying that we must have and escrow account and pay their OWN homeowner’s insurance, instead of Farm Bureau. I don’t want to do this because we get a multi-line discount at Farm Bureau, and I like them. Can they do this?

Absolutely not. Matter of fact, by law, they are required to have you sign an "ainti-coersion" disclosure. It states that they have NOT instructed you to, or required you to use a specific insurance company, to guarantee the closing of your loan. BIG no-no. The law was put in cto protect consumers from companies offering each other kick backs. "send me business, and I’ll send you business". It is fraud. You are encouraged as a consumer to shop for the best deal. That applies to the insurance company, mortgage company, title company, etc. Kick backs and "steering" is seriously frowned upon by the Department of Banking and Regulations. They are risking their license.

Funny Farm Bureau Insurance Commercial–Famous Quotes

admin — Wed, 24 Feb 2010 08:31:03 +0000

Farmer Charlie gets put up in the museum next to John F. Kennedy and Franklin Roosevelt–the school kids were impressed.

Duration : 0:0:33

Funny Hello Farmer Charlie Farm Bureau Insurance Commercial

admin — Sat, 20 Feb 2010 14:16:05 +0000

People call Farmer Charlie on advice on everything from flat tires to how to be neighborly to Puff Daddy’s real name.

Duration : 0:0:31

Farm Insurance Agents » Farm Bureau Insurance

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