Farmers Union Insurance-Randy Mader

yeah, something I have come to realize! If you have assets to protect, it is time to plan!

Almost Half of Workers Plan For Long-Term Care Needs Individuals tend to make plans for long-term needs and expenses between the ages of 55 to 59, finds Transamerica's new caregiving survey.

this is a fantastic article about the factors that are facing our property insurance customers. Sobering but realistic. We fortunately have answers that are workable for most people.

6 Forces Driving Commercial Property Insurance Costs The market for commercial property insurance continues to be challenging. Learn about several factors contributing to increasing premium for commercial property coverage.

FYI, stuff farmers need to be aware of!

Kansas NRCS Announces Fiscal Year 2024 Farm Bill and Inflation Reduction Act Press release Kris R. Ethridge, Acting State Conservationist for the U

Unfortunately old news. Call us before you pay a premium that goes up like this- everyone is facing this and we may be able to help.

Unstable Homeowners - MyNewMarkets.com Articles about Property Casualty Insurance Coverages Unstable Homeowners October 9, 2023 by Andrea Wells Facebook Twitter LinkedIn Email Print The U.S. homeowners insurance segment has been hit with three consecutive years of net underwriting losses as a result of above-average numbers of natural catastrophes, inflationary pressures and elevated reins...

I'm just a food snob, Yes, I am
Clothes not fitting tight again.
Old temptation is not my friend.
A food snob in demand
Here to give a helping hand
I have the tools to make a skinny stand.
A food snob but I am nice.
You won't see me eating twice.
Making the choices that I know are right.

Food won't get the best of me. Fat is not my destiny.
I’m sticking to it you will see Change my life and I’ll be free
A food snob, yes, I am.
A food snob, yes, I am.

Just a food snob, thinking right. Pants are loose, not kinda tight.
When I’m in a spot, I know what I am not.
Not so careless, all the while Self-control is the new style
I want to be around, no food will take me down.
A food snob that is right Always a plan all day and night
I don’t always win, But I’m never giving in
Food won’t get the best of me. Fat is not my destiny.
I’m sticking to it you will see Change my life and I’ll be free

A food snob yes, I am
A food snob, till the end!

Lyrics to the food snob song!

Lyrics to the Stem (Science, Technology, Education and Math) song

Stem
Stem I think we have found them.
The future of our planet are they
I think we have found them.
Stem not a foe but a friend
Everyone of you can give it try
I think we have found them.

Let us count the ways and all the hard work days.
And we get to all we take Then just take a break.
Later on, get it going Train your brain to do a little think.
Every bit you do Will pay you for a while.
Just look at all you know Math and science and don’t you know.
Look ahead the future is bright Just learn it all right.
And get ahead of the game.

Stem Don’t you see that we need you.
Just put your brain to a good use
I think you will make it.
Stem not a foe but a friend
Everyone of you can give it try
I think we have found them.

From Madagasgar- Move it, Move it, I like to Move it!!!!!!!!!!!

Dementia Risk Rises as Activity Rates Fall TUESDAY, Sept. 12, 2023 (HealthDay News) -- Bolstering the notion that a strong body equals a strong mind, new research indicates that the more inactive seniors are, the higher their risk for dementia.The finding stems from a look at the onset of dementia among nearly 50,000 Brits.All were at least....

Vineyards, wineries, vegetables? Who knows! This is what this program is for. Let us know if you need help! Randy

USDA Expands Whole Farm Revenue Protection, Micro Farm Insurance Plans The U.S. Department of Agriculture's Risk Management Agency (RMA) announced changes to the Whole Farm Revenue Protection (WFRP) and Micro Farm Insurance

This is my third post in a day! However, all three of these are very timely and very appropriate for the people we serve out here in Kansas! I have seen over the last 34 years of doing this that rating factors used are very fair. The biggest issue? How hard does your agent work to get you what you realistically deserve and how honest, ethical and thorough is your agent at communications with you and for you!

Despite recent rate hikes, most Americans find insurance rating factors fair | PropertyCasualty360 More than 40% of policyholders think education level shouldn’t be considered when setting personal auto rates.

Severe thunderstorms account for 70% of all claim's increases!

Verisk: Severe thunderstorms, wildfires no longer ‘attritional perils’ | PropertyCasualty360 Verisk reports that severe thunderstorms have accounted for more than 70% of insured losses in 2023 so far.

shocking! There are restrictions that we have seen with a variety of our main carriers. We have markets for insurance and can adequately help a lot of the people we work with and who contact us. However, give us a little time before it is due!

Home insurance costs have increased an average of 21% since 2022 | PropertyCasualty360 The U.S. home insurance premium is 35% higher today, on average, than it was two years ago, according to Policygenius.

Really good information, sobering but good that we know! We are spending a lot of time helping people through the multiple markets that we have. Now is the time!

Car insurance rates just had their biggest annual jump in 47 years. This is why Across the United States, the cost of car insurance is up 19% compared to a year ago, according to August’s Consumer Price Index report released on Wednesday. That’s the biggest annual increase since 1976.

These are a set of fingerstyle guitar videos, short fun things I have wrote, mostly, some learned!

What does this mean? It means that homeowners (personally owned and entity owned single family homes) are very expensive now for average storm damage- roofs, siding etc and the frequency of severity is up. Which affects us here in Kansas too!

First-Half P/C Underwriting Loss Just $2B Shy of Loss for All of 2022 The total net underwriting loss of $24.5 billion for the U.S. property/casualty industry after the first six months of 2023 is $2 billion less than total

We need to be aware the the farmers part of the Farm Bill is a small part!

Is the farm bill just for farmers? By Maddy Rohr, K-State Research and Extension news service Farm and fo

I am in the process of getting a few videos uploaded about our business. Too much for one week! Will hopefully get the basics of our agency together by Monday night. Life (as we have learned is a lot of patience and persistence!)

We are coming up on the two year mark on the fires that changed things in this area. LInda and I realize full well the impact of fires and this fire in Hawaii will impact a lot of policy moving forward. I will explain on a brief video what this article means to me at this point.

As lawsuits mount over Maui wildfires, Hawaiian Electric hints at defenses | PropertyCasualty360 Although lawsuits are being filed, no wrong doing by Hawaii Electric has been found at this time.

We are having to make sure people understand this when they write their insurance on an 'ACV' Basis. it is a savings but at a price.

What does 'actual cash value' mean in an insurance policy? | PropertyCasualty360 Review why ACV is critical for insurance and how it differs from replacement value.

This is something I have known for awhile. Things will be different for convalescent care of seniors in the future!

Will AI provide in-home long-term care? One-third of Americans and more than half of millennials believe AI and robotics will provide their future in-home long-term care.

very good post

The surprisingly very long list of things your car insurance won’t cover Don’t wait until after a collision to find out what your automobile insurance policy actually does — and does not — cover.

This is a great summary of the benefits of crop insurance.

The Vital Role of Crop Insurance: Protecting Farmers, Ensuring Food Security, and Strengthening Rural Economies - MyNewMarkets.com Articles about Property Casualty Insurance Coverages The Vital Role of Crop Insurance: Protecting Farmers, Ensuring Food Security, and Strengthening Rural Economies August 6, 2023 by Jim Korin Facebook Twitter LinkedIn Email Print Crop insurance is more than just a risk management tool for farmers — it is a vital component of the American agricultur...

We think only stuff happens in the US and it is not so!

Severe Convective Storms Top Insured Natural Disaster Losses in H1: Swiss Re Global natural catastrophes cost insurers US$50 billion in the first half, (H1 2022: $48 billion), with most of the losses stemming from severe convective

very good read!

You may be in for a shock to learn these 13 common risks aren’t covered by most homeowners insurance The most common home insurance policy for owner-occupied, single-family homes is an open peril policy with named exclusions. Here are some of those exclusions.

Yep, we knew this was coming! Randy

More than one-third of policyholders are considering a new insurance carrier | PropertyCasualty360 Compared with 2021, 4% fewer consumers would say something positive about their current insurance provider.