Life and Disability Insurance

Life & Disability Insurance

Protect what matters most. Life insurance can provide financial security for your family by replacing lost income and covering expenses should something happen to you.

Insurance is really about mitigating risk. Some risks you can't eliminate, but you can certainly lower the chances. Gain protection from risks that could harm your future and the future of the ones you love. Whether it is for your business, farm, or your life, we provide insurance so you don't have to worry about the unexpected.

Term Life Insurance


Term life insurance guarantees payment of a death benefit during a specific time period, such as 10, 20 or 30 years. Meet with one of our licensed agents to find out which period is best for you.

  • Set term – 10, 20, or 30 years
  • Guaranteed annual premium
  • No cash value, only has death benefit
  • No conversion
  • Lowest premium
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Return of Premium Term Life Insurance


Wish you could have your premium back if you don't need the insurance? A return of premium term life insurance policy does just that. When the term of the life insurance policy is up and you are (thankfully) still alive, you get the amount you put in as premiums returned to you (excluding rider and substandard premiums). Or you could exchange the premiums to a permanent paid-up policy.

  • Set term – 20 or 30 years
  • Guaranteed annual premium
  • Premiums a little higher than term life
  • Returns base premiums at the end of term if alive
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Whole Life Insurance


Ensure you and your loved ones will be covered for your entire lives. With whole life insurance, there are a variety of options available to protect your future. As long as you pay premiums, your beneficiary will receive the benefit amount upon death.

  • Permanent coverage – good up to age 121
  • Can never be cancelled unless premiums not paid
  • Guaranteed premiums
  • Builds cash value and has a death benefit
  • Several types to choose – single pay, level pay, 10-pay, paid up at 65
  • Premiums based on type chosen
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Equal Opportunity Provider. Insurance products offered are: not a deposit, not insured by the FDIC or any federal government agency, not guaranteed by any financial institution, may lose value.

Life Insurance: Common Questions

Disability Insurance

Do you have enough money saved to pay your expenses if an accident or illness prevented you from working?

Disability income insurance can help cover monthly expenses, such as your mortgage, auto payment, groceries and other expenses until you get on your feet again.

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Bankers Who Believe in You

Our insurance team, who also serve as relationship managers, understand the importance of protecting your business and the ones you love from risk. They would be happy to meet with you to explain the benefits of our insurance products or to review your current policy.

Mark Chilson

Mark Chilson
Market President - Durand, Insurance Sales Manager

Email  |  888-254-0615