Long Term Care ▪ Annuities ▪ Health ▪ Business

NOT FDIC INSURED

Protecting Your Financial Future

You work hard to accumulate financial resources. F&M Insurance can help you PROTECT the assets you’ve built ... and make sure that you don’t outlive your financial resources.

F&M Insurance can assure that your “nest egg” is there when you need it. Talk to us today about the many SMART CHOICES available for personal or business insurance and annuities.

It’s Smart To Build Financial Security ... It’s Even SMARTER To Protect It!

Some things are hard to think about ... such as medical and care expenses associated with a long-term illness or injury. The income loss brought about by the death of a spouse. Or the possibility that your lifetime savings won’t last long enough!

Savings and assets can evaporate quickly and unexpectedly unless the proper safeguards are in place. Let F&M Insurance help you make some very Smart Choices to protect the FINANCIAL and EMOTIONAL SECURITY you’ve worked so hard to earn.

Long Term Care... A Vital Part Of Your Financial Plan

No financial portfolio is complete without considering the economic impact of unanticipated medical costs. Even if you may have adequate health insurance or Medicare ... the expenses associated with Long Term Care are rarely covered.

An extended stay in a private nursing home or other care facility can be an enormous financial burden on loved ones, and can drain the resources you saved to secure your family’s future.

F&M Insurance will customize the type of assistance and daily benefits levels you desire. And we offer INFLATION PROTECTION ... so that your level of service you desire NOW is still covered when you actually need it. Benefits include:

• In-home care and assistance from a nurse or therapist
• Homemaker and companion services
• Personal care attendant and chore services
• Community-based care
• Adult day care
• Assisted living facility care and expenses
• Adult congregate living care and expenses
• Nursing home care and expenses

The SMART time to plan for long term care is BEFORE you need it. And the younger you enroll in a long term care program, the smaller the premium required. Let F&M Insurance help you and your family achieve PEACE OF MIND ... knowing that if the need arises ... you will receive the quality Long Term Care you deserve! Click here to Contact Us

Annuities

Retirement can seem so far away. Then suddenly it’s upon us, and we wonder: Will our retirement plans provide enough to cover expenses? Is there a danger that we might outlive our savings and investments?

An annuity is an investment contract between you and the insurance company. There are many kinds of annuities - some tailored for income, some for future growth, and some as savings vehicles depending on your income and investment needs. The BENEFITS of having an annuity are many:

• A GUARANTEED fixed monthly income for life
• Assurance that you can’t outlive your capital
• No medical examinations required
• Contributions can be added over time
• Money management responsibility and investment decisions are eliminated.
• Tax deferred benefits.

An F&M Insurance adviser can analyze your retirement situation and help you make a SMART CHOICE by selecting an annuity best suited for your long-term financial needs. Click here to Contact Us

Insurance For Individuals ... Health, Life and Disability

If you are starting your own business, find yourself between jobs, or work for a company that doesn’t offer insurance benefits ... then you may know the unsettling feeling that comes with being uninsured. Thanks to high health care and prescription drug costs, a serious accident, illness or injury could be devastating financially.

F&M Insurance can help provide you peace of mind that you and your family will be financially cared for in case of the unexpected.

Health Insurance — Few things are more reassuring than KNOWING you can count on excellent health care when you need it ... and preventative care that ensures you and your family stay healthy by catching problems in their early stages. F&M Insurance can help you obtain comprehensive coverage from a variety of respected health insurance companies that offer excellent benefits including:

• Office Visit Co-payments!
• Prescription Drug Benefits!
• Freedom To See Doctors and Specialists YOU Want!
• Click here to Contact Us

Disability Insurance — The coverage of extensive medical costs is one thing. But if an illness or accident prevents you from working for an extended period of time, what about the rest of your expenses? Disability insurance PROTECTS YOUR FUTURE INCOME when medical reasons necessitate a long term absence from work. Protecting your home. Protecting your family. Protecting your credit. Click here to Contact Us

Life Insurance — And what if the unthinkable happens? In the event of your death, or the death of your spouse, will there be enough money to cover the loss of income ... or the care of children normally provided by a stay-at-home parent? Don’t leave the financial security of your family to chance. If you don’t have health, disability or life insurance coverage, let F&M Insurance help you secure the protection you need. Click here to Contact Us

Insurance For YOUR Business Is OUR Business  

To run a successful company ... you must be able to hire and keep the best employees. Offering a quality group insurance plan is an essential element of any compensation plan.

F&M Insurance can help you structure a plan that is affordable for both you and your employees, and provides excellent benefits when medical care is needed. We can help you provide:

• Group Health
• Group Life
• Disability
• Dental
• Supplemental

If you are dissatisfied with your current group insurance provider ... would like a competitive quote ... or if you have previously felt your company was too small to afford health insurance for your employees, give us a call. An F&M Insurance adviser will meet with you at a time and place of your convenience to work out a group coverage solution that’s a SMART CHOICE for your business. Click here to Contact Us

Don’t Delay Getting The Protection You Need  

No one wants to think about disaster. But the only way to protect yourself from life’s misfortunes is to make SMART CHOICES in protecting yourself, your family, your business and your financial security. Call or come by your nearest F&M Insurance office today, and let us help protect your financial future. Click here to Contact Us

* Not FDIC Insured. Not a deposit or other obligation of, or guaranteed by F&M Bank or of the government. Subject to investment risks, including the possible loss of principal amount invested.