Chris 's Blog

Protect those who depend on you!!

Chris Campbell (Farmers ) — Sat, 17 Nov 2007 14:32:40 -0600

Term life insurance provides death protection for a stated time period, or term.

Term life insurance is perhaps the simplest form of life insurance. It was developed to provide temporary life insurance protection on a limited budget. Since term insurance can be purchased in large amounts for a relatively small initial premium, it is well suited for short-range goals such as life insurance coverage to pay off a loan, or providing extra life insurance protection during the child-raising years.

Call Chris Campbell today!

816-285-9483

Protect Your Investment.

Chris Campbell (Farmers ) — Sat, 17 Nov 2007 14:30:06 -0600

Landlord insurance serves to protect landlords during circumstances where they are prevented from using their property to earn an income.

These circumstances include legal disputes between a landlord and tenant. If legal expenses are purchased as a part of the insurance coverage, landlords will be compensated for any related legal fees. In cases where the property damaged to the point that it is inhabitable, landlord insurance will help cover the costs to repair the damages as well as compensate the landlord for the loss in rent collected during the rebuilding. Like all contracts, the precise language of the insurance coverage must be carefully reviewed to understand precisely what is and is not covered. Coverage may be limited to damage of the interior or exterior of the property.

Because of the variety of coverage available, landlords are often advised to carefully consider different options before buying an insurance policy. Comprehensive insurance provides coverage for all types of situations except those specifically excluded. In contrast, peril policies generally cover fewer types of damage and list only those losses that will be covered. Potential policy holders are also often advised by insurance companies to not only consider possible property damages, but also libel, slander and discrimination.

Landlord insurance generally offers two methods through which property losses can be settled: actual cash value and replacement value. Landlords generally pay a lower premium for actual cash value settlement, since they will receive compensation only after deprecation is subtracted from the current value of the property. With replacement value settlement, compensation will cover the necessary costs of replacing the damaged property without considering any deprecation. Property, however, will have to be replaced in order to qualify for this settlement. If it is not replaced, settlement, by default, will likely be actual cash value.

In addition to choosing the actual cash value settlement method, another option for reducing the premium for landlord insurance is to increase the deductible. The deductible is the amount of money the policy holder himself will pay to recover a loss. Higher deductibles can also result in discounts.

Because landlord insurance covers only the property and the rights of the landlord, tenants can greatly benefit from renters' insurance. Damages to personal belongings or another person's property within a tenant's residence become the responsibility of the tenant. Renters' insurance will provide liability coverage and, in some cases, it could also cover pertinent legal expenses. Renters' insurance, similar to that offered to landlords, has a variety of options for coverage.

Chris Campbell

Farmers Insurance

816-285-9483

Multi-Line Discounts!!

Chris Campbell (Farmers ) — Sat, 17 Nov 2007 14:25:35 -0600

Discounts

Purchasing auto insurance shouldn't be a difficult decision. As your Farmers® agent, I will help you understand the ins-and-outs of auto insurance so you can choose the right type of coverage to meet your needs.

As a Farmers customer, you'll not only receive the personal care and service of my agency, but also our award-winning HelpPoint® claims service. Whenever you have a claim to report, simply call (800) HelpPoint - (800) 435-7764 - 24 hours a day, seven days a week to speak to a knowledgeable Farmers representative.

Plus, Farmers has competitive discounts. Our multi-line discount* is just one way to save on the cost of auto insurance by also having your homeowners and Life insurance with Farmers. Ask me about other discounts you may qualify for. Remember, there is more to insurance than just price.

*Products and features are not available in all states and may vary by state. Discounts apply to selected property and casualty coverages, perils and policy types only and may vary by state and eligibility.

Chris Campbell

816-285-9483

Do You Rent?

Chris Campbell (Farmers ) — Sat, 17 Nov 2007 14:22:33 -0600

You might think you don't need Renters Insurance if you rent.
Add up the cost of your furniture, your electronic equipment, your CD/DVD collection, computer, garments and other personal items. Can you afford to replace everything in the event of a fire or burglary?
Renters Insurance is relatively inexpensive. The average cost of renter's insurance begins about $12 a month for around $30,000 worth of property coverage and $100,000 worth of liability coverage.

Repair or replacement of your personal property damaged, destroyed or stolen as the result of various types of peril -- fire or lightning, windstorm or hail, explosions, smoke, vandalism, theft, damage by glass, electrical surge damage, and water-related damage from home utilities, and more. If your home is made unlivable by one of these perils, Renters insurance will pay for the associated expenses (cost of a temporary residence, meals eaten out, etc.). Coverage is usually limited to a percent of the total value of the policy. Renter's insurance can even cover you for personal possessions that don't happen to be in the apartment at the time of the loss.

Many renters are under the impression that their landlord's policy covers their belongings as well. That's not the case, and they often don't find that out until after a disaster or a robbery. Your landlord's policy doesn't cover anything that's yours. The only exception to this would be if the loss was caused by negligence on the part of your landlord, and then you would still have to prove it in court. This is where Renters Insurance comes in.

When getting an insurance quote on your rental, condo or home, consider asking for a quote on an auto policy as well. Farmers offers a discount if you carry all your policies with us.

Call Chris Today

816-285-9483

When was the last time you reviewed your insurance program?

Chris Campbell (Farmers ) — Sat, 03 Nov 2007 14:47:26 -0500

Most people buy insurance because they have to have it. I ask all of my prospective clients "Why did you pick this coverage and these liability limits?" The number one answer is my agent did it for me over the phone, or the lizard helped me do it online. I am getting used to hearing it but it still amazes me. The most important part of your insurance program is your liability limits, if you bang up a car it can be fixed, a leaky roof while a headache is not a financial death sentence. But on the other hand if you are driving a car and run a stop light and seriously injure or even kill someone, that is when your insurance can save your financial security and future earnings.

Example: You injure a hardworking family man that has a stay at home wife and 3 school age children. He makes $70,000 a year as a commercial plumber, has a mortgage, 2 car payments, saving for kids college, ect. You injure him and he is off work for a year and can't return to his old job, he must find a lesser paying job but he still has the same financial needs as he did before you ran that red light. He is going to need you or your insurance liability limits to reimburse him for his lost wages, medical bills not covered by his medical insurance and not to mention the loss of income from the old to the new job he must take for the next 20 years due to his injuries.

I see people with liability limits set at 50,000/100,000 or even less. The first number is per person limits and the 2nd is per accident. These limits would be wiped out in a heartbeat, and guess who pays the difference, hint not the lizard or the agent on the phone. Yes you are responsible for the shortage. Do me a favor and look at the back on your big phone book, who is on there? A lawyer!! That is who will sue you for his/her clients loss of income, medical bills and pain and suffering.

Now do me one more favor, dig out you current auto and home insurance policies and check your limits. If you do not have a minimum of $250,000/500,000 on your autos and $500,000 on your homes run don't walk to the phone and call me. 816-285-9483. Increasing your limits will not cost as much as you think, it is the least expensive thing on your policies to increase. I also recommend that you have an umbrella policy that extends your liability limits an additional $1,000,000 for less than the price of a dinner each month.

Call Chris Campbell

816-285-9483

Apartment Renters Insurance

Chris Campbell (Farmers ) — Sat, 03 Nov 2007 14:44:38 -0500

When getting an insurance quote on your rental, condo or home, consider asking for a quote on an auto policy as well. Farmers offers a discount if you carry all your policies with us.

Call Chris Today

816-285-9483

The Rule of 72!

Chris Campbell (Farmers ) — Sat, 03 Nov 2007 14:41:49 -0500

If you want to know how long it will take to double your money, take the number 72 and divide that number by the interest rate you are getting. So if you deposit $3,000 into an account with a 2% interest rate, 72 ÷ 2 is 36. So in 36 years you will have $6,000.

If you have an interest rate of 12%, you will make $6,000 in six years. The higher the interest, the quicker it is.

Protect Your Assets!

Chris Campbell (Farmers ) — Sat, 03 Nov 2007 14:39:59 -0500

Umbrella insurance is designed to give one added liability protection above and beyond the limits on homeowners, auto, and watercraft personal insurance policies. With an umbrella policy, depending on the insurance company, one can add an additional 1-5 million in liability protection.

This protection is designed to "kick-in" when the liability on other current policies has been exhausted.

Liability insurance is the portion of a homeowners or auto policy that pays for expenses such as the injured persons medical bills, rehabilitative therapy, and lost wages due to the negligence of the at fault person. The liability portion of an insurance policy also covers a legal defense representative if the negligence would happen to land the at fault person in the court room. After adding up all of the medical expenses for the injured and the legal fees of the negligent person, the standard liability in one's homeowners or auto policy is often not enough. Almost every state has financial responsibility laws that will hold drivers accountable for bodily injury and property damage resulting from car accidents and the at fault driver could be sued for the damage. Personal assets from the at fault driver could be seized resulting from a lawsuit. Similar laws are also in force for home and watercraft owners.

There is good news. A personal liability umbrella insurance policy can give one added liability protection without a large added cost. Additional liability insurance is often inexpensive, especially compared to the added coverage one gains. Furthermore, liability insurance covers one's non-business activities anywhere in the world. Having the added protection of a liability umbrella policy is coverage no one should go without.

Call Chris Today

816-285-9483

Protection for the Price of 1 Dinner per Month.

Chris Campbell (Farmers ) — Sat, 03 Nov 2007 14:37:03 -0500

Term life insurance provides death protection for a stated time period, or term.

Call Chris Campbell today!

816-285-9483

Life Insurance tied to Investments.

Chris Campbell (Farmers ) — Sat, 03 Nov 2007 14:34:00 -0500

Variable Life Insurance is another type of permanent life insurance and is much riskier than standard whole life and universal life. Variable life is a pure investment policy, and as such is much more expensive than the other types. However, it gives the policyholder complete control over his or her investment portfolio. It varies by insurer and policy, but most often the insured decide what they want to invest the cash value portion of their account in, whether it is stocks, bonds, or money market funds. There is usually an unlimited number of times that you can change your investment portfolio, but as with everything else, that is dependent upon the insurer and the policy itself.

Do You Need More Liability Protection?

Chris Campbell (Farmers ) — Sun, 07 Oct 2007 19:53:24 -0500

Personal Umbrella Insurance!

This protection is designed to "kick-in" when the liability on other current policies has been exhausted.

Call Chris Today

816-285-9483

Info. on Renter's Insurance!

Chris Campbell (Farmers ) — Wed, 12 Sep 2007 15:01:24 -0500

When getting an insurance quote on your rental, condo or home, consider asking for a quote on an auto policy as well. Farmers offers a discount if you carry all your policies with us.

Call Chris Today

816-285-9483

Investment Property Coverage.

Chris Campbell (Farmers ) — Wed, 12 Sep 2007 14:55:54 -0500

Landlord insurance serves to protect landlords during circumstances where they are prevented from using their property to earn an income.

Cost Effective Life Insurance

Chris Campbell (Farmers ) — Wed, 12 Sep 2007 10:42:36 -0500

Term life insurance provides death protection for a stated time period, or term.

Call Chris Campbell today!

816-285-9483

The Need for Life Insurance!

Chris Campbell (Farmers ) — Wed, 12 Sep 2007 10:38:11 -0500

Life insurance may sound like something you only have to think about when you get older, but there are a variety of benefits to buying life insurance early on in your working career. Even if you don't have a family that is dependent on you, or if you feel that your employer's life insurance policy is adequate for your needs, there are many reasons why you should consider taking out your own life insurance policy.

If your employer provides you with a life insurance policy, you shouldn't necessarily rely on it. While many companies may offer life insurance as one of the key benefits of a job, the figure often doesn't cover enough to be of adequate benefit to your family - especially in the event of your death. For instance, many firms may offer life insurance that is one or two times the amount of your annual salary; but most financial planners will recommend replacing that with life insurance that covers up to 10 times your annual salary.

Furthermore, it is always important for consumers to be aware of types of life insurance they can choose from: essentially, there are two types of life insurance: term insurance or investment type insurance. Term insurance will provide benefits to your family or your dependents if you die during the proposed period covered by your policy. Investment-type life insurance, also known as, "permanent insurance", will include endowment policies and "whole of life" policies. This type of life insurance remains in effect for as long as you continue to pay your premium. Essentially, part of this premium will go to an investment account; so, as well as paying out in the event of your death, it will build up in investment value - which you can actually cash in before you die. This is a great reason to invest in life insurance when you're younger - the earlier you buy, the higher the investment value that will accumulate during your lifetime, and the more you may be able to reclaim when you're older.

Perhaps the most crucial piece of information to keep in mind during your search for life insurance, however, is the importance of shopping around. It is vital to ensure that the insurance you eventually invest in is the most suitable for your particular needs; so, as well as thinking about how much you can afford to pay, it is essential to think about what you actually need from life insurance cover. There are many consumer life insurance comparison sites that exist on the web which provide this valuable service. By utilising such services, as well as vital sources of information like the FSA Check Firm Service and the Citizens Advice Bureau, you will be armed with a hefty arsenal of consumer information so you can reach the right decision when it comes to buying life insurance.

Can You Afford Not to Have an Umbrella When it Rains?

Chris Campbell (Farmers ) — Wed, 12 Sep 2007 10:14:25 -0500

This protection is designed to "kick-in" when the liability on other current policies has been exhausted.

Call Chris Today

816-285-9483

The Value of Term Life Insurance!

Chris Campbell (Farmers ) — Sat, 08 Sep 2007 20:51:58 -0500

Term life insurance provides death protection for a stated time period, or term.

Call Chris Campbell today!

816-285-9483

Variable Life Insurance!

Chris Campbell (Farmers ) — Sat, 08 Sep 2007 20:48:36 -0500

Rule of 72 for Your Retirement Savings!

Chris Campbell (Farmers ) — Sat, 08 Sep 2007 20:44:56 -0500

If you have an interest rate of 12%, you will make $6,000 in six years. The higher the interest, the quicker it is.

Health Care Cost

Chris Campbell (Farmers ) — Sat, 08 Sep 2007 20:22:11 -0500

Facts on the Cost of Health Care

Introduction

By several measures, health care spending continues to rise at the fastest rate in our history.

In 2005 (the latest year data are available), total national health expenditures rose 6.9 percent -- two times the rate of inflation. Total spending was $2 TRILLION in 2005, or $6,700 per person. Total health care spending represented 16 percent of the gross domestic product (GDP).

U.S. health care spending is expected to increase at similar levels for the next decade reaching $4 TRILLION in 2015, or 20 percent of GDP.

In 2006, employer health insurance premiums increased by 7.7 percent - two times the rate of inflation. The annual premium for an employer health plan covering a family of four averaged nearly $11,500. The annual premium for single coverage averaged over $4,200.

Experts agree that our health care system is riddled with inefficiencies, excessive administrative expenses, inflated prices, poor management, and inappropriate care, waste and fraud. These problems significantly increase the cost of medical care and health insurance for employers and workers and affect the security of families.

National Health Care Spending

In 2005, health care spending in the United States reached $2 trillion, and was projected to reach $2.9 trillion in 2009. Health care spending is projected to reach $4 trillion by 2015.
Health care spending is 4.3 times the amount spent on national defense.
In 2005, the United States spent 16 percent of its gross domestic product (GDP) on health care. It is projected that the percentage will reach 20 percent in the next decade.
Although nearly 47 million Americans are uninsured, the United States spends more on health care than other industrialized nations, and those countries provide health insurance to all their citizens.
Health care spending accounted for 10.9 percent of the GDP in Switzerland, 10.7 percent in Germany, 9.7 percent in Canada and 9.5 percent in France, according to the Organization for Economic Cooperation and Development.

Employer and Employee Health Insurance Costs

Premiums for employer-based health insurance rose by 7.7 percent in 2006. Small employers saw their premiums, on average, increase 8.8 percent. Firms with less than 24 workers, experienced an increase of 10.5 percent
The annual premium that a health insurer charges an employer for a health plan covering a family of four averaged $11,500 in 2006. Workers contributed nearly $3,000, or 10 percent more than they did in 2005 .The annual premiums for family coverage significantly eclipsed the gross earnings for a full-time, minimum-wage worker ($10,712).
Workers are now paying $1,094 more in premiums annually for family coverage than they did in 2000.
Since 2000, employment-based health insurance premiums have increased 87 percent, compared to cumulative inflation of 18 percent and cumulative wage growth of 20 percent during the same period.
Health insurance expenses are the fastest growing cost component for employers. Unless something changes dramatically, health insurance costs will overtake profits by 2008.
According to the Kaiser Family Foundation and the Health Research and Educational Trust, premiums for employer-sponsored health insurance in the United States have been rising four times faster on average than workers' earnings since 2000.
The average employee contribution to company-provided health insurance has increased more than 143 percent since 2000. Average out-of-pocket costs for deductibles, co-payments for medications, and co-insurance for physician and hospital visits rose 115 percent during the same period.
The percentage of Americans under age 65 whose family-level, out-of-pocket spending for health care, including health insurance, that exceeds $2,000 a year, rose from 37.3 percent in 1996 to 43.1 percent in 2003 - a 16 percent increase.

The Impact of Rising Health Care Costs

National surveys show that the primary reason people are uninsured is the high cost of health insurance coverage.
Economists have found that rising health care costs correlate to drops in health insurance coverage.
Nearly one-quarter (23 percent) of the uninsured reported changing their way of life significantly in order to pay medical bills.
Almost 50 percent of the American public say they are very worried about having to pay more for their health care or health insurance, while 42 percent report they are very worried about not being able to afford health care services.
In a poll conducted by the Harvard School of Public Health, 43 percent of respondents named high costs as one of the two most important health care issues for government to address.
In a USA Today/ABC News survey, 80 percent of Americans said that they were dissatisfied (60 percent were very dissatisfied) with high national health care spending.
One in four Americans say their family has had a problem paying for medical care during the past year, up 7 percentage points over the past nine years. Nearly 30 percent say someone in their family has delayed medical care in the past year, a new high based on recent polling. Most say the medical condition was at least somewhat serious.
A recent study by Harvard University researchers found that the average out-of-pocket medical debt for those who filed for bankruptcy was $12,000. The study noted that 68 percent of those who filed for bankruptcy had health insurance. In addition, the study found that 50 percent of all bankruptcy filings were partly the result of medical expenses. Every 30 seconds in the United States someone files for bankruptcy in the aftermath of a serious health problem.
One half of workers in the lowest-compensation jobs and one-half of workers in mid-range-compensation jobs either had problems with medical bills in a 12-month period or were paying off accrued debt. One-quarter of workers in higher-compensated positions also reported problems with medical bills or were paying off accrued debt.
If one member of a family is uninsured and has an accident, a hospital stay, or a costly medical treatment, the resulting medical bills can affect the economic stability of the whole family.
A new survey shows that more than 25 percent said that housing problems resulted from medical debt, including the inability to make rent or mortgage payments and the development of bad credit ratings.
A survey of Iowa consumers found that in order to cope with rising health insurance costs, 86 percent said they had cut back on how much they could save, and 44 percent said that they have cut back on food and heating expenses.
Retiring elderly couples will need $200,000 in savings just to pay for the most basic medical coverage. Many experts believe that this figure is conservative and that $300,000 may be a more realistic number.

Time for Action on Reining in Health Care Costs

Policymakers and government officials agree that health care costs must be controlled. But they disagree on the best ways to address rapidly escalating health spending and health insurance premiums. Some favor price controls and imposing strict budgets on health care spending. Others believe free market competition is the best way to solve the problems. Public health advocates believe that if all Americans adopted healthy lifestyles, health care costs would decrease as people required less medical care.

There appears to be no agreement on a single solution to health care's high price tag. Many approaches may be used to control costs. What we do know is if the rate of escalation in health care spending and health insurance premiums continues at current trends, the cost of inaction will severely affect employer's bottom lines and consumer's pocketbooks.

Personal Umbrella Insurance!

Chris Campbell (Farmers ) — Sat, 08 Sep 2007 18:52:49 -0500

This protection is designed to "kick-in" when the liability on other current policies has been exhausted.

Call Chris Today

816-285-9483

Term vs Perm Life Insurance?

Chris Campbell (Farmers ) — Fri, 07 Sep 2007 15:04:33 -0500

Some people believe that having life insurance -- planning for their death -- will bring misfortune to their lives, and would rather not have any at all. Unfortunately, too many people don't realize the importance of life insurance until it's too late.

Life insurance protects those who depend on your paycheck, such as your wife, children and quite possibly, your parents. If you die prematurely, life insurance can provide ongoing income to your dependents, until they are able to live comfortably without it. It can also provide emergency support for legal, medical and funeral costs, should family savings not be sufficient to cover them.

who needs life insurance?

A single individual -- or someone who's one-half of a two-income, no-dependents household -- won't likely need an abundance of life insurance, if any.

Remember; life insurance is not a state lottery. Its purpose is to cover any unexpected costs that a family unit cannot afford or that would put the family's financial situation in peril. At this stage in your life, the main concerns to plan for are funeral costs, and unexpected estate taxes.

On the other hand, if you're the sole breadwinner for a large family, with little savings, then life insurance is essential. Once basic items such as shelter and food are covered, life insurance should be next on your list of priorities.

Imagine yourself gone tomorrow; what would the immediate impact on your family be? Are they counting on your paycheck in the years ahead to cover basic needs and future savings goals? Could they afford the funeral costs? Who would pay the home mortgage? Would your family be thrown out on the streets?

At this stage in your life, if you still don't have life insurance, maybe it's time to consider getting some -- not for your sake, but for your family's.

which plan should you get?

In general, there are two basic classes of insurance to choose from: term life insurance, and universal or cash value insurance.

Term life insurance is just that -- life insurance, and nothing more. The premium payments are applied 100% to the cost of the insurance.

As retirement approaches, the need for life insurance is likely to decline, as children become able to support themselves and retirement savings begin to approximate a lump-sum life insurance payment. At this point, term insurance can easily be dropped.

the advantages of term insurance

Simple
Term life insurance, much like car insurance, is the essence of simplicity -- pay the premium, get covered for the term.

Competitive prices
Because of their simplicity, term life policies can be easily compared on the basis of price alone, which has effectively led to extremely competitive prices.

Flexible
Most term policies are very flexible, allowing for both renewable (you can renew for another term policy without a medical exam and convertible terms (convert your term policy into a universal policy).

Maybe you're better off with universal insurance instead?

universal insurance

The second class of life insurance -- universal insurance -- includes a wide variety of financial products. These products combine term life insurance with a long-term, tax-sheltered savings plan. The important thing to understand about universal policies is that they're designed for life.

Here's how a universal plan works. A portion of your premium payment is used to pay for the life insurance alone. The balance, less management charges and commissions, is applied to your savings or investment account.

The cash value savings goal provides additional income during your golden years to cover insurance premiums.

why consider it?

Insufficient retirement savings
If you don't have a separate plan for retirement savings, you may want to consider a universal policy.

Tax-efficient estate planning
This is a very complicated topic and well beyond the scope of this article, but if you want Uncle Sam's hands kept out of your estate, you might want to consider a universal policy as a way of bypassing the tax man.

Forced savings
By adding a savings component into a bill that must be paid, you'll be ensured a guaranteed savings discipline. However, considering that you can ask your bank to automatically transfer funds into a reinvestment plan, a universal policy can be an expensive way to save.

which one's better?

People have their own needs, but I personally recommend term insurance. Leave the investment component for your financial planner or invest it yourself, and keep your life insurance policy as what it's meant to be -- an insurance policy.

how much coverage?

So you finally decided to get insurance. The only other important issue left to take care of is how much insurance, and for how long? The easiest way to approach this is to ask yourself: if you're the primary caregiver to dependents, what will it cost to replace you with a paid provider, and for how long?

The most basic way to calculate your insurance needs is to replace your annual income until you retire. Start with your current annual before-tax salary, and estimate how many years left until retirement.

Once you have these two numbers, you can figure out how much insurance your family will need in order to replace the lost income should something unfortunate happen to you.

For example, to replace a salary of $35,000 for 25 years, you're going to need at least $575,000 of life insurance coverage.

get a professional opinion

A lot of people buy life insurance without doing the proper research, or without having a clue as to what they're really buying. A slick insurance salesperson can take advantage of these circumstances and prey on an individual's emotions in order to sell them the most expensive options.

Before sitting down with an insurance salesperson, invest the time and money in an estate-planning attorney to make sure you're getting exactly what you need for your specific situation.

Call Chris Campbell

Farmers Insurance Group

816-285-9483

The Importance of Life Insurance

Chris Campbell (Farmers ) — Fri, 07 Sep 2007 14:58:16 -0500

Discounts

Chris Campbell (Farmers ) — Fri, 07 Sep 2007 14:48:42 -0500

Farmers HelpPoint

Chris Campbell (Farmers ) — Fri, 07 Sep 2007 14:37:06 -0500

Farmers is dedicated to being the right choice for auto insurance, home (homeowners and renters), life insurance, business insurance, umbrellas, boat and recreational vehicle insurance, and a whole lot more. As your personal, local Farmers agent, you have my commitment that I'll help you develop the coverage that's right for your life - at a price that's great value for your insurance dollar. No insurance company offers more discounts than we do, and our industry-leading HelpPoint® claims service means you can count on us to be there when you need us. Anytime, day or night, just one call to (800) 435-7764 will help you restore your world to order - fast! Give me a call and I'll give you more information on all the many products and discounts my Farmers agency offers, whether it's auto insurance, homeowners insurance, life insurance or something more specialized.

Chris 's Blog

Protect those who depend on you!!

Protect Your Investment.

Multi-Line Discounts!!

Do You Rent?

When was the last time you reviewed your insurance program?

Apartment Renters Insurance

The Rule of 72!

Protect Your Assets!

Protection for the Price of 1 Dinner per Month.

Life Insurance tied to Investments.

Do You Need More Liability Protection?

Info. on Renter's Insurance!

Investment Property Coverage.

Cost Effective Life Insurance

The Need for Life Insurance!

Can You Afford Not to Have an Umbrella When it Rains?

The Value of Term Life Insurance!

Variable Life Insurance!

Rule of 72 for Your Retirement Savings!

Health Care Cost

Personal Umbrella Insurance!

Term vs Perm Life Insurance?

The Importance of Life Insurance

Discounts

Farmers HelpPoint

Call The Campbell Agency @816-285-9483

Call The Campbell Agency @
816-285-9483