LET THE DREAMS COME TRUE

Insurance is a way of managing risks. When you buy insurance, you transfer the cost of a potential loss to the insurance company in exchange for a fee, known as the premium. Insurance companies invest the funds securely, so it can grow, and pay out when there's a claim.

Insurance helps you:

• Own a home, because mortgage lenders need to know your home is protected.

• Drive vehicles, because few people could afford the repairs, health care costs and legal expenses associated with collisions and injuries without coverage.

• Maintain your current standard of living if you become disabled or have a critical illness.

• Cover health care costs like prescription drugs, dental care, vision care and other health-related items.

• Provide for your family in the event of a death.

• Run a small business of family farm by managing the risks of ownership.

• Take vacations without worrying about flight cancellation or other potential issues.