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designed to meet your personal, agricultural, business, financial, Medicare and health needs.
Protection for you and your family is always a top priority—and it should be. Let us help you select the right insurance coverage, ensuring peace of mind both now and in the future.
Automobile insurance is important on two levels—to protect your vehicle and the people in it—and to protect others from your potential mishaps. As you move through life, we can help to make sure you have the coverage you need for your automobile, or recreational vehicle.
Owning a home of your own is the American Dream. Let’s face it, this is probably where you’ve invested a great deal of your assets. Protect that dream with the ideal insurance policy.
You’ve worked hard to build your assets – now is the time to protect them. This additional policy helps to protect your assets and future earning potential.
Farming is an important industry in our area. Many area farms have been passed down through generations and are the farmers pride and joy. Our staff is here to make sure you have the right coverage to give you peace of mind to keep your farm insured for the next generation.
Farms typically have multiple locations, often with dwellings at each location. Farm policies allow you to insure your primary dwelling along with other primary or rental dwellings at other locations on the same policy.
Farm policies allow us to insure various buildings as well. This could include machine sheds, livestock barns, manure storage buildings, and commodity barns to name a few.
Farming requires a lot of equipment to get the work done efficiently. It is important to insure this equipment to get you back to work as soon as possible in the event of a claim. This could include your tractors, combines, disc, wagons, augers, and tools to name a few. Farm policies can also protect your equipment from intake of foreign objects.
Livestock is an important aspect of your farm and there is value to each of the animals. Insuring your livestock will help replace them in the event of a claim.
Do you have bigger farm trucks or trailers to haul grain, livestock or commodities? Let us make sure you have the right coverage for these.
If you are going between farm buildings or between fields, the recreational vehicles sure do come in handy. Insuring them on a farm policy will provide off-premises liability as well as physical damage coverage.
Protect yourself against fines and damages from manure run-off by getting a pollution policy. Contact our staff today to get a custom quote for your operation.
Many farmers are contracted to be growers of livestock (ex: swine and turkey) owned by other companies. The owners of the livestock may require you to carry coverage for these livestock to cover their assets in the event you are liable for damages caused to the livestock.
A farm umbrella provides additional coverage over the farm, auto, and recreational vehicles. You’ve worked hard to build your assets – now is the time to protect them. This additional policy helps protect your assets and future earning potential.
If you’re running a business, we understand that you have many challenges to handle. That’s where we can help to simplify the insurance process for you. From business auto to group health, we are here to assist you with your business insurance needs.
When it comes to business property, there are many things that fall under this category besides the obvious structure itself. Whether it is your building, your contents, or your income, let us help you protect your assets.
Liability insurance is a must in business. This helps protect you when something goes wrong and someone becomes injured on your premise or damage occurs at a jobsite, as a result of your work.
Many people do not realize their personal auto policy has a business exclusion. If you are using your vehicle in the pursuit of business, a business auto policy will help eliminate that gap.
Inland marine coverage protects your belongings that are on the go. These can be tools, supplies, equipment or machines that are used on the jobsite.
Crime and EPLI coverage help protect you as the employer in the event there is any employee theft or if an employee accuses wrongdoing by you as the employer. EPLI can also help protect you from third party claims and allegations.
Cyber crime is rampant right now and no business is too small to be a target. A cyber policy can help restore your files, protect your clients moving forward and even help with reputation preservation.
Umbrella policies are an additional layer of liability protection that would protect your business, property and auto. The umbrella policy is utilized once the liability on your underlying policy is exhausted.
These policies allow you to bundle multiple lines of insurance into one policy. Whether it is liability, property, auto or inland marine coverage, it all comes under the same policy number and billing account, which means less paperwork and accounts to manage.
Group health insurance is also known as employer-sponsored health insurance. Group insurance health plans provide coverage to a group of members, usually a company or organization’s employees. These plans can be medically under-written or age based.
The group supplemental coverage provides additional policies that are not typically covered in a group health plan.
We are proud to offer you a team of financial professionals who are trained to help you navigate what might seem like a maze of financial options. Our advisors down the choices, condensing them into understandable options so that your plans and investments are coordinated with your goals, both now and in the future.
Our team can help you navigate the various retirement plan options available to you, whether the plan is through your employer or on your own.
With a professional financial advisor, you can enjoy the benefits of a diversified*, professionally managed investment plan that reflects your unique needs.
*Diversification does not guarantee a profit or protect against a loss.
While the selection of the proper investment choices can often be overwhelming, guidance from our financial advisors can help your investment portfolio suit your unique needs.
Clients can buy and sell individual securities that are sold on major exchanges. Securities include stocks, bonds and ETF’s.
There are a wide array of annuities that help to serve different functions within a financial plan. Whether planning for income streams or principal protection, an annuity may be an option to help you reach your goal.
Tax preparation services offered for individuals.
Tax preparation services are not offered through, or supervised by, The Lincoln Investment Companies.
Advisory services offered through Lincoln Investment or Capital Analysts Registered Investment Advisers. Securities offered through Lincoln Investment, Broker Dealer, Member FINRA/SIPC. www.finra.org, www.sipc.org, www.lincolninvestment.com. Leugers Insurance Agency, Inc. and the above companies are independent, and non-affiliated. Tax, legal, or Social Security claiming services are not offered through or supervised by Capital Analysts or Lincoln Investment. This site has been prepared solely for information purposes and is not intended to be a solicitation, offer or sale of securities products or investment advisory services to anyone who resides outside the United States.
Lincoln Investment and Capital Analysts and its Financial Representatives may only transact business in a particular state if first registered and only after complying with registration requirements. Lincoln Investment and Capital Analysts are registered as investments advisers with the U.S. Securities and Exchange Commission and Lincoln Investment is registered as a broker/dealer in all 50 states. When you link to any of these websites provided here, you are leaving this site. We make no representation as to the completeness or accuracy of information provided at these sites. Nor are we liable for any direct or indirect technical or system issues or consequences arising out of your access to or use of these third-party sites. When you access one of these sites, you are leaving our website and assume total responsibility for your use of the sites you are visiting.
Life insurance is something you may consider adding to your financial plan if you are interested in providing a measure of security for your loved ones. Proceeds from a life insurance policy can be used to pay final expenses, eliminate outstanding debts, or cover day-to-day expenses.
Covers you for life as long as your premiums are paid.
Certain types of permanent life insurance can also have an investment component that allows policyholders to accumulate a cash value.
Provides coverage for a certain period of time or a specified “term” of years.
If the insured dies during the time period specified in the policy and the policy is active, or in force, a death benefit will be paid.
Whether you are turning 65 or on social security disability for 24 months, navigating Medicare is hard. We can help you navigate all the plan options available.
Medicare supplements plans, also referred to as Medigap, helps fill gaps in Original Medicare. Original Medicare pays for much, but not all, of the cost for covered health care services and supplies. A Medicare supplement plan can help pay the remaining costs like copayments, coinsurance and deductibles.
Medicare Advantage is another way to get your Medicare Part A and Part B coverage. Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by Medicare-approved private companies that must follow rules set by Medicare. If you join a Medicare Advantage Plan, you’ll still have Medicare but you’ll get most of your Part A and Part B coverage from your Medicare Advantage Plan, not Original Medicare.
Medicare prescription drug plans help pay for prescription drugs you need. Even if you don’t take prescription drugs now, you should consider getting Medicare PDP coverage. Medicare drug coverage is optional and is offered to everyone with Medicare. If you decide not to purchase it when you’re first eligible, and you don’t have other creditable prescription drug coverage (like drug coverage from an employer or union) or get extra help, you’ll likely pay a late enrollment penalty if you join a plan later. Generally, you’ll pay this penalty for as long as you have Medicare drug coverage. To get Medicare drug coverage, you must join a Medicare-approved plan that offers drug coverage. Each plan can vary in cost and specific drugs covered.
Naturally you want to enjoy life to the fullest, and good health makes that possible. However, the large number of available health insurance options can make the decision process seem overwhelming. That’s why we’re here to help you select the appropriate policy.
Individual health insurance is a necessity. Health risks and uncertainties are a part of life. From your deductible, co-insurance, co-pays, and max out of pockets, we will assist you in navigating the ins and outs. Purchasing health insurance is an important part of your financial planning. We can help review what options work best for you and your family.
Dental insurance is a form of health insurance designed to help pay a portion of the costs associated with dental care. It can cover preventative care to minor or major services.
Vision insurance is designed to reduce your costs for routine preventative care to coverage for new frames or updated lenses and contacts.
Group health insurance is also known as employer-sponsored health insurance. Group insurance health plans provide coverage to a group of members, usually a company or organization’s employees. These plans can be medically under-written or age based.
Disability insurance insures the beneficiary’s earned income against the risk that a disability creates a barrier preventing you from performing your employment functions. Disability insurance can provide a peace of mind knowing that in the event of a disability claim, a stream of income will be provided.
Long term care insurance refers to many services that are not covered by regular health insurance such as assisting with daily routines, like bathing, dressing or getting in and out of bed. A long term care policy helps cover the costs of care when you have a chronic medical condition, disability or disorder and may reimburse for care provided in a variety of places such as a your home, nursing home, assisted living or adult day care facility.
