UW F YOU are a Farm Bureau 

 I member and do not ask for a 

 I survey of your insurance pro- 

 I gram by one of our agents, 

 you are not getting the full 

 benefit of the lAA associated com- 

 panies' insurance program." 



This is the belief of A. E. Richard- 

 son, manager of Country Life Insurance 

 Company and director of insurance 

 service for the Illinois Agricultural 

 Association. 



"During the coming year we want all 

 of our Farm Bureau members to ask 

 their local agent to make a complete 

 survey of their entire insurance pro- 

 gram — lile, fire, liability, auto, and 

 accident — without cost or obligation 

 to themselves." he continued. 



This progr.im of ser\ ice to all Farm 

 Bureau members will be stressed by the 

 three lAA associated insurance (om- 

 panics in 19l9. Richardson said. 



"If you take time off to help with 

 your own survey you may find it will 

 pay greater dividends than any after- 

 noon's work you could do on your 

 farm," he said. 



To prove its value, Duanc Kuntz, 

 sales director for the lAA associated 

 insurance companies, tells of this in- 

 cident which happened recently when 

 an insurance agent called on a young 

 Illinois farmer to analyse and survey 

 his insurance program. 



"This young man." the agent re- 

 ported, "was paying for auto insurance. 

 liability protection, fire insurance, and 

 for coverage on crop hail." 



The agent's rate book showed that 

 this cost the young farmer as follows: 



Auto insurance S 90 



Liability protection 28 



Fire insurance 30 



Crop hail 110 



Total S258 



"It was easy to show," the agent con- 

 tinued, "that with insurance trom our 

 companies this Farm Bureau member 

 could have had the same coverage for 

 a good deal less money. " 



For insurance coverage in the lAA 

 associated insurance companies, the 

 cost to the young farmer would have 

 been as follows : 



Auto insurance S "i i 



Liability protection 14 



Fire insurance 2i 



Crop hail 60 



Total $152 



"The total savings." ($256 minus 

 $152), the agent said, "amounted to 

 $106. This was not all that the survey 

 disclosed, however. 



"This young farmer needed insur- 

 ance he was not carrying. By using his 

 savings of Sl06 our insurance service 

 could, in effect, present him with a $5,- 



Manager A. t, Richardson of Country LHe Insurants Company tpeaks during the In- 

 suronce conference held in conjunction with the lAA annual meeting In Chicago. Others 

 (left to right) are, Paul Powel, Ivtell Green, and William Shirley, district lAA Insur- 

 ance sales supervisors; Duane Kunt2, director of Insurance service tor members; Dirk 

 Heezen, Country Lite actuary; Dr. J. t. Boland, Country LHe medical director; and Albert 

 Grauer, director of lAA Insurance for cooperatives. 



Picture at 

 right is of I 

 Insurance 

 conference 

 during lAA 

 convention. 



By LEW t 



Field Ec 

 lAA Re 



Richardson Advises Farmers to Request Full Survey of All Insurance Nt^^^^^y \/^i^ 



INSURANCE SALES HI|EW 



000 insurance policy. 



"The policy would provide him $5,- 

 000 in cash on his 65th birthday, or 

 53.000 to his family any time in the 

 case of his death," the agent concluded. 

 An insurance survey will show you 

 many places where you may be under- 

 insured, Richardson said. "It might 

 show that your new deep freeze, wash- 

 ing machine, or other electrical appli- 

 ances were not covered by fire insur- 

 ance, and you might find you were 

 carrying insurance you did not need. 



"Many Illinois farmers will need 

 added coverage of insurance for the 

 extra hundreds of bushels of grain they 

 are carrying over on their farm this 

 winter." he added. 



Here are some of the new coverages 

 and new developments in the expanded 

 lAA associated companies' insurance 

 program. They have been added to 

 present co\erages because farmers have 

 found a need for them. 



A medical coverage has recently been 

 included in the Casualty Company's 

 auto policy. It provides for the med- 

 ical and hospital expenses of the farm- 

 er and his family, or any passengers, in 

 case of an auto accident. Many Farm 

 Bureau members are not aware of this 

 coverage. 



A systematic way to save money — 

 and still be insured — is provided by 

 one of the life insurance policies of the 

 Country Life Insurance Company. This 

 savings and insurance plan can be used 

 to guarantee the payment of a mortgage 

 if the breadwinner dies, help pay in- 

 heritance taxes, or provide savings for 

 college educations. 



"Farm Bureau members should feel 

 free to call on their agent to handle and 

 report claims, or to explain policies not 

 clearly understood," Richartfson said. 



Others do not 

 realize the extent to 

 which they are lia- 

 ble. Fifteen farmers 

 were required last 

 year to show finan- 

 c i a 1 responsibility 

 when their tractor 

 was involved in an 

 accident on the 

 highway. 



In some cases 

 drivers licenses and 

 licenses have been 



L. t. lingenfelter 



all motor vehicle 

 revoked after tractor accidents. This 

 might not have happened if the farmers 

 involved had been properly insured. 



Country Life Insurance Company re- 

 ported a total of $348,635,402 of life 

 insurance in force at the end of the 

 operating year. Sept. 30, 1948. New 

 business for the year totaled $46,447,- 

 840, a record in new business acquired, 

 exceeding any year in the company's 

 20 years of existence. 



The three general agents whose 

 counties produced the largest per cent 

 of their assigned goals this year were: 

 Jasper DeMonbrun, Monroe county, 

 $626,757 in sales, 272 per cent of 

 quota; Walter Specht. Clay county, 

 $192,000, 265 per cent; >X^illiam C. 

 Linker, 'Whiteside, $1,732,204, 208 per 

 cent. 



Country Mutual Casualty Company, 

 commonly known as the auto com- 



pany, conti 

 has registc 

 of policies 

 years it ha' 

 The Casi 

 one rate ini 

 applied onl 

 collision. 

 in general 

 about 100 I 

 "The trei 

 pany is em 

 out of 10 

 added in tl: 

 Wilcox, mj 

 Country 

 provides o 

 all Farm B 

 that 80 pc 

 members h 

 Country 

 $433,977,6: 

 erage and 

 ance in foi 

 year. 



During 

 wrote $2C 

 on crops. 

 "The fi 

 written di 

 with the 

 farm pro 

 president, 

 written by 

 "Losses 

 been higli 

 by windsti 

 added to 

 pany." 



Hail lo 

 severe in ' 



10 



I. A. A. RECORD 



JANUAR 



