American National’s thoughts are with everyone in the path of Hurricane Matthew. We’re committed to helping you protect what you value most and we hope you will find the following resources helpful while dealing with this natural disaster.
As cold weather approaches, it's important to inspect and take action on potential risks regarding Ice Dams. We've provided a helpful bulletin with the following information: What is an Ice Dam? What causes an Ice Dam? How can this damage a home? Prevention and Mitigation Solutions. Our Loss Control section has more winter safety information.
Farm Family insurance launches new contemporary logo and brand
In 1950, the Farm Family group of insurance companies, Glenmont, New York, was founded to provide insurance protection for the underserved needs of farmers, families and businesses in rural areas. Over the decades, Farm Family has earned a solid reputation built on integrity and trust and is the leading insurer of farms in the Northeast and mid-Atlantic regions of the country. In 2001, the group was acquired by American National Insurance Company, an industry leader that ranks among the largest life insurance companies in the United States. During the past year, American National has been engaged in creating a new Farm Family brand and logo that elevates the group’s identity and supports the unique products and services they offer. The new logo features the Farm Family name in the traditional Farm Family font and color to acknowledge and reinforce its strong history in Northeastern and Greater Atlantic agriculture markets. The American National mark now joins the Farm Family logo to demonstrate the unity and strength of the companies. In addition to the logo, Farm Family has introduced a new tagline: “Smart Thinking, Rewarded™.” The motto reflects the company’s commitment to offer its clients innovative, value-added products and services that meet their unique needs throughout their lifetime. “Our message is clear – choosing the right insurance is important and that choice should be determined by more than just the quickest quote or the cheapest price. We realize that our customers are smarter than that,” said Tim Walsh, president and CEO, Farm Family. “Farm Family offers quality comprehensive coverage for people who want to make an intelligent decision about what best fits their needs. It is for those who recognize the value of reliable service and knowledgeable advice.”
As you gear up for “snowplowing season,” it’s smart to take a good, hard look at your operations. Not only should your equipment be in prime condition and your employees properly trained, but you should also review your practices and procedures. Here you’ll find some important risk management tools to consider in your snow or ice maintenance operations. These tips and tools could help you reduce your loss exposure. You can print the handouts to post or distribute. You can also copy the list, form and log templates and fill them in with your own business information. Click the title to access the guide.
Your business is a labor of love. You’ve nurtured it, watched it grow, taken it through some rocky times. It’s prosperous now, but will it be there for future generations? That’s where life insurance comes in. Depending on your stage of life, there’s a plan on which you can build a solid foundation. One that can provide support and peace of mind for you, so you can go on living. Click the title to see your life insurance options. And talk to your Farm Family agent about what kind of financial plan is right for you.
Life can take unexpected, unpredictable turns toward the amusing, the inspiring, the annoying and even the tragic. So every day you take little steps to improve the odds good things will happen and guard against the bad. You wear your seatbelt. You lock your doors. You buy life insurance for the same kind of reason – to protect your family financially. Life insurance provides financial support when people need it most. In the short term, it pays for immediate expenses, allowing loved ones time to grieve. In the long term, it helps replace lost income so the family can continue to pay for life’s necessities.Now is the perfect time to take stock of your life insurance needs. Start online by using the Life Insurance Needs Calculator on the nonprofit LIFE Foundation’s website, www.lifehappens.org/ lifecalculator. Then meet with a Farm Family agent who can help you determine the right amount and type of insurance to protect the ones you love. Click the title for more information on life insurance.
You’ve worked hard for your money. You’ve invested wisely. Retirement is in sight – and when it comes, you want to enjoy a comfortable lifestyle. You also want to protect your loved ones when you die. Is there any guarantee the money will be there for you when you need it – or for them when you’re gone? That’s where life insurance comes in. Depending on your stage of life, there’s a plan on which you can build a solid foundation. One that can provide support and peace of mind for you, so you can go on living. Talk to a Farm Family agent and secure your foundation for your family’s future.
Summer weather can place landscape and agricultural employees in dangerously hot environments. Combining physically demanding work and long days with hot temperatures puts workers at risk for several types of heat stress. The first step toward reducing the risk of heat stress injuries is making sure employees understand the causes of heat stress and recognize the signs of heat stress. Be on high alert for heat stress during hot, humid days. Consider altering the work day to avoid the hottest time period. Wear hats and light clothing. Take regular, shaded rest breaks. Have adequate access to potable water. Do you have a plan in place to help employees cope with heat stress? Click the title for a complete bulletin on heat stress
Camping is a fun way to get family and friends together to enjoy the outdoors. Follow these tips and use the packing checklist to help ensure your camping trip is safe and healthy: get vaccinated; prepare safe and healthy food; practice fire safety; include safe physical activities; protect against carbon monoxide poisoning; avoid wild animals; fight bug bites; protect yourself from the sun; and be prepared. Read the CDC's summer camping checklist for complete details.
A.M. Best Co. has affirmed the financial strength rating of A (Excellent) and issuer credit rating of “a+” of American National Insurance Company [NASDAQ:ANAT]. Additionally, A.M. Best has affirmed the FSR of A (Excellent) and ICR of “a” of ANICO’s life insurance subsidiaries, including American National Life Insurance Company of New York and Farm Family Life Insurance Company. The outlook for all ratings is stable. The rating affirmations of ANICO are based on the company’s more than adequate level of consolidated risk-adjusted capitalization, increased statutory and GAAP earnings reflecting improving results in the property/casualty, life and annuity segments, and diverse products and distribution platform that cover life, annuity and health and property casualty businesses. Concurrently, A.M. Best has affirmed the FSR of A (Excellent) and ICR of “a” of Farm Family Casualty Insurance Company and United Farm Family Insurance Company. The outlook for these ratings is stable. Click title for entire article.
Fresh fruit and vegetables. Fairs and festivals. Locally produced goods. These are just a few of the treats of summer, and several good reasons to download Harvest to Hand.™ The popular, free app is available on the App Store for iPhone® users, and for Android™ users on Google Play. This app connects you to farmers markets, local festivals, locally made products, family-friendly farms, local wineries and eateries, seasonal agritourism venues and more. Have an event you’d like to promote? Go to www.HarvestToHand.com and follow the easy instructions to “Enter your Information.” This app is open to everyone*: the main criteria are that the venue, event or farm must be accessible to the general public and feature locally grown or produced products. Don’t have a smart phone? The Harvest to Hand website has all the functionality of the app. Apple, the Apple logo, iPhone and iPod touch are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. *Subject to terms of use at www.harvesttohand.com.
Boating season is upon us. Each year hundreds of lives are lost... thousands are injured... and millions of dollars of property damage occurs because of preventable recreational boating accidents on U.S. waterways. The US Coast Guard urges you to boat responsibly. Remember these tips: always wear a life jacket; avoid alcohol; be especially careful on personal watercrafts; children younger than age 13 must wear a Coast Guard approved life jacket while underway; enroll in a boater education class; don’t overload your boat; operate at a safe speed; always have a passenger serve as a lookout in addition to the operator; watch out for low water areas or submerged objects. Click the title for more information on boating safety, courtesy of the USGC.
You insure your car, your home and your possessions against the unforeseen, but what about your most important asset – your paycheck? What would happen if suddenly you became ill or had an accident and were unable to work? You’d certainly want to be sure that you and your family could pay bills and living expenses. But without your paycheck, how long would you be able to make your payments? That’s where disability income insurance comes in. Think of it as insurance for your paycheck – if you’re unable to work because of illness or injury, you can continue to receive an income to pay bills and living expenses. Click on the title above and contact your Farm Family agent.
No one expects to be disabled, but it can happen to anyone at any time. If you're like most, it wouldn't be long before you're struggling: 50% of working Americans couldn't make it a month before financial difficulties set in, and more than 1 in 4 would have problems immediately, according to a LIFE Foundation survey. May is Disability Insurance Awareness Month. Learn how you can use disability income insurance to protect your business and the people you love. Click the title for more information.
For nearly 60 years, family-run and small business owners in rural and suburban areas have trusted Farm Family for their insurance needs. We know our quality products have a lot to do with it, but we like to think it’s also because of the special relationship we share with our clients. We’re your business colleagues, neighbors and friends. Every Farm Family client has a story. People like Gerry and John. George, Nancy, Robin and Steve. They were happy to share them. Click on the title above and you can watch them all. Or click on our YouTube station. If their story sounds familiar and you’d like to learn how Farm Family can help protect you and your business, your local agent will be happy to contact you.
Spring weather patterns could increase your risk of flooding. Flood insurance will help you protect your property against spring flooding risks, such as heavy rains, ice jams, rapid snowmelt, and flash flooding. Get the facts, know the risks, and take action to prepare before seasonal events strike. Flood damage is excluded under standard homeowners, renters insurance policies. or in most commercial property insurance policies. Despite efforts to publicize this, many people exposed to the risk of floods still fail to purchase flood insurance. Flood coverage, however, is available in a separate policy from the National Flood Insurance Program (NFIP). Get the facts, know the risks, and take action to prepare before a severe weather strikes. Typically, there is a 30-day waiting period on new flood insurance policies, so the time to act is now. Click the title for more information on flood insurance.
family ... supportive friends ... good health ... safe home ... successful business ... rewarding work ... quiet moments. Whatever makes your life rich and rewarding, be sure to protect it. At this time of year, we reflect upon and give thanks for our clients who make our business a true pleasure. We're grateful you trust us to protect what means so much to you: your home, farm, business, vehicles, lives and financial future. We take this responsibility seriously. We want to do our level best to make sure your needs are being met. May this season bring you peace, joy and some relief. May you find a moment to reflect with gratitude upon the year that has passed, and anticipate the one ahead.
Holidays are times to enjoy spending with family and friends. During this time, many of us decorate our homes and places of work to cherish the holiday feeling with trees, signs, lights and candles. The improper use or placement of holiday decorations could place you and those around you at higher risk for an accident to happen. Each year fires occurring during the holiday season claim lives, cause injuries and cause millions of dollars in damage. Click the title for simple life-saving steps you can take to ensure a safe and happy holiday, from the USCPSC.
You know you need life insurance to help protect your family’s future. But “money’s tight” now. Fortunately, there's a solution to help you protect your loved ones today! Farm Family’s Signature Term Life Insurance series has some of the most competitive rates in the industry. Affordable life insurance coverage is within your reach right now - with options for you and your family down the road. Act now. Click the title for more information and talk to your Farm Family agent today!
The frost is in the air, and if you have a wood stove, you're probably ready to use it. It's a cozy, comfortable way to heat your home, but it comes with some cautionary advice: have your stove professionally installed; use dry, seasoned wood; and have it professionally inspected every year. Don't burn trash in the stove, don't start a fire with flammable liquid, and don't let the fire burn unattended. Click the title for details.
Ice, snow and wind can have devastating consequences on your home. The time to winterize is before the snow falls. Homeowners should take the following precautions: maintain gutters; trim trees and remove dead branches; check insulation; maintain pipes; keep the house warm; check heating systems; maintain steps and handrails; know your plumbing; check smoke alarms; and plan for being away. Click the title for full details from the Insurance Information Institute.
The National Flood Insurance Program was created to help provide a means for property owners to financially protect themselves in the event of flood damage. The NFIP offers flood insurance to homeowners, renters and business owners if their community participates in the NFIP. If you have purchased flood insurance through the NFIP, contact your agent. The Federal Emergency Management Agency encourages all individuals who have damages or have had to evacuate because of a federally declared disaster to apply for disaster assistance. Click the title above for a link to FEMA.
We're here to help you in the claims and recovery process. If you need to report a claim you can call (800) 948-3276 or use your smartphone by going to www.farmfamily.com and clicking on the Claims button. You'll need your policy number handy if you're using your smartphone. To check on the status of a storm-related claim, call (800) 575-0988 or email sandy@farmfamily.com.
American National Insurance Company (Nasdaq: ANAT) announced third quarter 2012 net income of $59,186,000 ($2.20 per diluted share) compared to net income of $57,650,000 ($2.16 per diluted share) for the same period in 2011. Third quarter after tax operating income, which excludes after tax net realized investment gains, increased to $50,782,000 ($1.89 per diluted share), as compared with $49,408,000 ($1.85 per diluted share) for the same period in 2011. After tax net realized investment gains were $8,404,000 ($0.31 per diluted share) for the third quarter of 2012 as compared with the net realized gains of $8,242,000 ($0.31 per diluted share) for the third quarter of 2011. Click the title for the entire article.
As you gear up for snowplowing season, it’s smart to take a good, hard look at your operations. Not only should your equipment be in prime condition and your employees properly trained, but you should also review your practices and procedures. Here you’ll find some important risk management tools to consider in your snow or ice maintenance operations. These tips and tools could help you reduce your loss exposure. You can print the handouts to post or distribute. You can also copy the list, form and log templates and fill them in with your own business information. Click the title to access the guide.
October is Domestic Violence Awareness Month. Financial security and access to resources is the number one predictor of whether domestic violence victims will stay in or leave an abusive relationship. And insurance is an important component of financial planning that helps survivors prepare for a better life, according to the Insurance Information Institute. The following strategies are recommended for anyone who is leaving or has left an abusive situation: 1) secure your financial records; 2) know where you stand financially; 3) build a financial safety net; 4) make necessary changes to your insurance plan; 5) maintain good credit; and 6) seek assistance. This last step is critical.Plan for your safety by contacting a local domestic violence program to discuss your options and learn about the community resources you can access for support (i.e. emergency assistance funds, shelter, utility assistance, rent assistance, public benefits and affordable housing as well as legal aid). There are many programs and organizations that can help. To locate a program in your community, contact that National Domestic Violence Hotline: (800) 799-SAFE. Click the title for detailed information from the III or go to http://www.ncadv.org.
Protect your Family from Fire! It's important to have a home fire escape plan that prepares your family to think fast and get out quickly when the smoke alarm sounds. What if your first escape route is blocked by smoke or flames? That's why having two ways out is such a key part of your plan. This year’s theme of Fire Prevention Month,“Have 2 Ways Out!” focuses on the importance of fire escape planning and practice. The National Fire Protection Association provides educational material and tip sheets on the leading causes of home fires, information about protecting your home and families, and the importance of home escape planning. Click the title for details.
You’ve worked hard for your money. You’ve invested wisely. Retirement is in sight – and when it comes, you want to enjoy a comfortable lifestyle. You also want to protect your loved ones when you die. Is there any guarantee the money will be there for you when you need it – or for them when you’re gone? That’s where life insurance comes in. Depending on your stage of life, there’s a plan on which you can build a solid foundation. One that can provide support and peace of mind for you, so you can go on living. Talk to a Farm Family agent and secure your foundation for your family’s future. Click the title for details.
Take a safety check of your farm. How safe are your barns and farm buildings? Click the title for a checklist that can help you identify fire dangers today to prevent possible losses tomorrow for: housekeeping, smoking, electrical, refueling and storage of vehicles and hay. Do you have more safety concerns? Contact your Farm Family insurance agent for answers to your questions on protecting your agribusiness.
Your business is a labor of love. You’ve nurtured it, watched it grow, taken it through some rocky times. It’s prosperous now, but will it be there for future generations? That’s where life insurance comes in. Depending on your stage of life, there’s a plan on which you can build a solid foundation. One that can provide support and peace of mind for you, so you can go on living. September is Life Insurance Awareness Month. Click the title to see your life insurance options. And talk to your Farm Family agent about what kind of financial plan is right for you.