Farm Insurance Agents » State Farm Insurance Agents

When a insurance agent of State Farm has the agency in his name . . . who actually owns the agency?

admin — Wed, 07 Oct 2009 18:49:20 +0000

State Farm has captive agents who have agencies in their names, along with the name of State Farm. For Example, John Jones Agent, State Farm & address. However, neither John Jones nor State Farm appear in the corporate records of the Secretary of State, nor does either name appear in the Tax Records of the County?

State Farm in Katrina claims . . . is telling the Courts that the named agents are actually the individuals who own these agencies . . . but these individuals do not show up in any public records . . . as the owners of the agencies or of anything else.

Who actually owns the agencies which State Farm’s captive agents operate out of? How can we prove who owes these agencies . . . since State Farm is not telling even the Courts the truth?

Help needed from Katrina victims of State Farm.

agents own the agency, they buy into the franchise much like owning a mcdonalds. but state farm is the insurer, the contract is between the customer and state farm, not the agent

Question for Car Insurance Agents (I have State Farm) -?

admin — Wed, 07 Oct 2009 11:07:10 +0000

I am a little taken back by my SF agent the other day – I called to report that a heavy item had toppled over in my garage putting a decent little dent in my vehicle. This, the agent agreed, was Comprehensive, which I have $100 deductible for. I got an estimate and not surprisingly with body shop costs nowdays, the total repair cost is going to be about $600. (that is a whole nother story the outrageous over-pricing of replacement body parts and labor to fix cars, a real scam) – Now, I have had State Farm since I was 16 years old, I am almost 50 yrs old now – I stayed with them (same agent/office even !!) through my parents who had them since 1940 !!
I have not had any claims for damages to my vehicles other than a chip in windshield once. So I report this dent to my agent yesterday – and the response was "Well, you know, if its over $100 to fix, there’s a good chance your annual premium will increase !!" I was SO MAD. I said "what about my 34 years with you and no claims? other companies like allstate and many others now have "accident forgiveness" if you’ve had no claims in xx years, other companies are doing refunds for not having accident claims. I said "Doesn’t state farm have ANY of these policies too?" WHY would you increase my policy costs for one darn claim under Comprehensive in all these years. He then stuttered and said, "well, well, it might, or it might not, we don’t know until corporate does its annual updates and policy reviews". As if "he" has no control over it. Is this agent totally bullshitting me here people? I am really PO’d. Talk about NO customer nicety, loyalty, or consideration. Not even trying to be "helpful" with a claim. Just "scare tactics" to disuade me from filing a claim at all !!! What the heck is going on here? Can some other agents explain? I was told by several people in the insurance business that my claim under Comprehensive would NOT cause an increase in my policy rate. HELP !! (thanks to agents, state farm especially) who can answer my questions/concerns.
Thanks to everyone for such great information – a real eye opener – and yes, it was the "actual agent" at my state farm office – we have had this person (including all my parents insurance with them too) for about 20 years or more now. THIS is why I am so taken back by this statement (or idle threat maybe so I would not file the claim?) that my rate could well increase if I file this Comp claim. REALLY burns me and I am shocked if they were just trying to lie about it to intimidate into not filing. Either way this person really Sucks.

granted most comprehensive claims will not raise your premium. but it maybe that State Farm has had a large increase in claims this past year that they will be charging higher premiums, be if for filing a claim or no claims.

now you have several factors in your favor. you have had 2 comprehensive claims; 1 for glass and now for the fallen item that fell from your garage. if you state no liability claims in 34 years, you should be considered a "preferred risk".

get on the phone and talk to an independent agent that handles many insurance companies for a quote. you want to avoid allstate, american family since they are like state farm and can only insure the one company they write business for.

you may find that your premium with other companies to be several hundred dollars less than what you are paying now. now that wont change state farms premium, since they have usually locked in what they will charge.

the only advantage to state farm and the others is that you do everything with the agent 1st. whereas in other companies, you might have to go to the company itself.

fix your car and get on the phone.

good luck

State Farm Agent Lori Wiggins – Insurance In Shreveport, LA

admin — Sun, 25 Jul 2010 09:02:44 +0000

Driving without Auto Insurance in Shreveport, LA? Come see State Farm Agent Lori Wiggins for Car Insurance, Home Insurance, and Life Insurance Call for service you can count on! PH:318-797-3555 http://www.elocalprofiles.com/InsuranceinShreveport49746.html

Duration : 0:0:20

Technorati Tags: Auto Insurance, Car Insurance, Home Insurance, Insurance, Life Insurance

State Farm Insurance Agent Jackie Meadows – Insurance Agency In Cincinnati, OH

admin — Wed, 07 Oct 2009 11:06:20 +0000

Looking for the #1 Insurance Agency in Cincinnati, OH? Then check out State Farm Insurance Agent Jackie Meadows for Affordable Auto Insurance, Health Insurance, and Home Insurance. Call our Experienced Insurance Agents today! PH:513-474-4940 http://www.elocalprofiles.com/InsuranceAgencyinCincinnati50613.html

Duration : 0:0:28

Technorati Tags: Cheap Car Insurance, Insurance Agency

Farm Succession, Appoint a Planning Coordinator to Steer the Process

admin — Sun, 04 Oct 2009 18:48:30 +0000

If someone must be put in charge of the farm succession process who will keep mom and dad in the loop, keep the advisors moving forward, and keep an eye out for successful succession strategies being used by their peers for ideas that work – who should it be? The planning coordinator’s job is to ask questions, assemble information, talk with everyone involved, etc.

Click here to read the whole story.

Technorati Tags: business succession planning, Farm Insurance Agents, farm succession, farm succession planning, succession and planning

State Farm® – “Pocket Agent”

admin — Mon, 19 Jul 2010 23:31:59 +0000

Don’t just trust us – trust your friends, family and neighbors… they’re sure to be one of the 40 million drivers insured by State Farm. More drivers.

This commercial describes the many perks of being a State Farm customer, including our mobile app, Pocket Agent.

http://www.statefarm.com

Duration : 0:0:31

Technorati Tags: Auto, Insurance, iphone app, mobile, State Farm

Financial Retirement Planning

admin — Thu, 07 May 2009 23:55:59 +0000

Financial retirement planning requires a team of professionals who understand you and who have “been there, done that” when it comes to setting up and actually seeing in real life the results of the trusts and estates planning they or their firm has done.

And while a team of professionals is vital – the key information you seek is most likely to come from your peers. These are people who are experiencing what you are experiencing and they have nothing to sell and no advice to protect.

You peer group also provides one of the most important thing any of us can have when trying to make the right decisions. They are your sounding board. From now on you can say, “I’ve got to discuss this with my board” and actually mean it!

Financial retirement planning success results from one thing and one thing only! It comes from making better decisions. It’s that simple, not easy to do on your own however. In fact the most successful leaders among us, in every walk of life, systematically reach out to their hand-pick board of advocates and supporters for insights and advice.

You can have the same tools for creating your own strategic planning and marketing team, a no cost whatsoever. Simply go to www.StrategicConversations.biz and watch the five minute video. Once you join you will receive a powerful video series that will show you how to make decisions about the directions you take and the plans you make with greater confidence. It is 100% free, no strings attached.

Read the whole article here.

Technorati Tags: financial retirement planning, state farm insurance

State Farm Agent Deb Becker on TV18

admin — Sat, 17 Jul 2010 01:17:53 +0000

We made it! TV18 news!

Duration : 0:2:34

Technorati Tags: "State, advertising, Deb Becker, deborah becker, Eau Claire, Farm, Insurance, marketing, overlay, overlay video, State Farm, video, webwalk, WI, Wisconsin

Financial Retirement Planning

admin — Thu, 07 May 2009 23:21:59 +0000

Financial retirem

ent planning requires a team of professionals who understand you and who have “been there, done that” when it comes to setting up and actually seeing in real life the results of the trusts and estates planning they or their firm has done.

Read the whole article here.

Technorati Tags: financial retirement planning, state farm insurance

How is Term Life Insurance Like Wetting The Bed?

admin — Wed, 15 Apr 2009 19:31:59 +0000

You may not have thought of the comparison, but it’s accurate. Term life insurance is like wetting the bed because it provides immediate relief, but sooner or later you are going to have to get up and do something about it.

Because term life insurance is pure protection, providing only a death benefit, it is like renting the coverage for as long as the policy lasts or as long as you pay the premium. If you die during that time, the policy will pay its death benefit.

However, as you get older you see that while the original reason you bought the policy has gone away, it has invariably been replaced by another reason, usually one with an even higher price tag and even more dire consequences if you do not have the cash to satisfy it.

There are lots of different bells and whistles insurance companies add to make their term insurance policies salable.

For example, some have premiums that are level from the day you buy it until the end of the term. Since every year the actuarial cost of protection increases, the real corresponding costs your payments would rise each year, compared to the levelizeded premium term life insurance policy.

When your premiums rise according to the actual actuarial costs, if there was any chance that you could be convinced that you no longer needed the insurance, you would drop it in a heartbeat and the insurance company would not make as much money – because the early year premiums are lower than the later year premiums.

There is a “guaranteed renewable” feature in most term insurance policies – before or at the end of the initial term. Insurance companies have been selling insurance to people for a long time, and they know that your needs for insurance will last for as long as you live, and they want you to keep paying for insurance far beyond that initial term period.

The renewable feature’s primary benefit to you is that you don’t have to pass another physical to show that you are still “insurable” in order to keep the term insurance policy in force for longer that originally intended. In every term life insurance policy I’ve seen, each time you renew, the premiums will be higher for the next period of years than the last – because you are older and, therefore, more likely to die.

Another feature, convertibility, is usually part of the policy as well. In my opinion the convertibility feature is vital and something you should clearly understand in order to make sure the policy is as flexible as you will want it to be.

Convertibility is a feature that could be critically important to you. It allows you to exchange this policy for another type of life insurance at any time before the expiration of the policy’s term. By purchasing a convertible term life insurance policy you remain in control, the policy can be converted to a permanent type of coverage at a later time, and importantly – without having to prove that you are still insurable.

Here’s where my wetting the bed analogy comes in. Generally people choose term insurance for protection when they need it as a permanent solution for a temporary obligation, such as mortgage protection, bank loans and security required by a vendor, or perhaps as income replacement when their children are young. These are times when the requirements for immediate cash protection to meet your commitments is paramount if you were to die – and term insurance may only possible solution that provides the amount of coverage you need at a premium you can afford.

Over time the original loans get repaid – so you borrow more, kids grow into teenagers – now it’s their college education you want to assure. And as retirement nears – money is still going to be needed by the survivors, to meet expenses, pay taxes, etc.

In other words, term life insurance is a permanent solution for a temporary obligation. And it is a temporary solution for a permanent need.

The question most people ask is, in order to work out the right type of insurance for their specific situation – where can I get both the advice and input I need and the cost effective solution to the challenge of finding the right policy for me right now?

In my opinion, the right answer to that is one that makes the most sense both for you and your family but your business as well.

It’s finding an insurance agent who has spent a lifetime helping people like you. He or she will have insights and experiences to share that you can benefit from.

Remember, when you buy life insurance, commissions will be paid to someone – an online service, a web only company, or a flesh and blood agent. There is nothing you or I can do about that.

So, why not get your money’s worth by using the help of a trained professional you trust who has to look you in the eyes for as long as you all shall live?

Technorati Tags: Farm Bureau Insurance, Farm Insurance Agents, State Farm Insurance Agents, term vs whole life insurance