Duane Jones - COUNTRY Financial

Duane Jones - COUNTRY Financial When you work with me, you get a one-on-one relationship and the added support of a team of experts. Information contained here is not a statement of coverage.

I pride myself on working hard to provide the best possible service to my clients. Being able to help people is a central part of my life and I’m happy I can be of service to my clients and community. I also enjoy meeting new people and building one-on-one relationships. Open and honest discussions are an easy way for my clients and I to connect and ultimately, help them secure their financial sec

urity goals. Terms and Conditions:
Property / Casualty policies issued by COUNTRY Mutual Insurance Company®, COUNTRY Casualty Insurance Company® or COUNTRY Preferred Insurance Company®, Bloomington, IL. Life/Disability Income policies issued by COUNTRY Life Insurance Company® or COUNTRY Investors Life Assurance Company®, Bloomington, IL. Availability and amount of coverages and discounts vary by state. For more information view our full terms and conditions:
http://www.countryfinancial.com/SiteController?url=/staticNav/termsAndConditions

In a world filled with constant change, we shouldn’t be surprised that things offering stability and consistency are app...
06/17/2026

In a world filled with constant change, we shouldn’t be surprised that things offering stability and consistency are appealing. That is one thing you can count on with the right permanent life insurance policy – dependable insurance that is there when you need it. Here’s what this insurance offers:

Death benefit protection - The ability to have death benefit protection that you can’t outlive. Many permanent policies may allow for that death benefit to grow over time, depending on how the policy is configured.

Predictable or flexible premiums - The ability to have a predictable premium experience for whole life policies that can be “locked in” if desired. Some policies may allow you to have limited premium payment periods while supporting long-term protection. Indexed universal life policies allow for flexible premiums.

Favorable cash value access - The ability to have policy cash values growing under tax-favored conditions. When structured properly, cash values grow without annual taxation and allow the tax-free access of those accumulated values in future years.

Protection from creditors - The ability to have limited creditor protection of life insurance cash values and death benefits. The amounts protected will vary by state and depend on circumstances, such as whether or not a bankruptcy filing is in effect.

Sound like this might be a good fit for your needs? Call me to get a quote today.

When planning a getaway, you’re looking to relax and enjoy a break from the stress of everyday life. The last thing you ...
06/13/2026

When planning a getaway, you’re looking to relax and enjoy a break from the stress of everyday life. The last thing you want to worry about is what happens if things go wrong during your trip. Thankfully, you can count on your home and car insurance to protect you even when you’re away. Here are a few ways your home and auto insurance protect you when you’re traveling:

1. Roadside Assistance
While hitting the open road is a great adventure, sometimes breakdowns happen. Your auto insurance may provide you with emergency road service coverage, which can reimburse you for towing expenses, delivery of fuel, repair parts and labor charges.

2. Car insurance coverage for other drivers
Sharing driving duty with others on a road trip? Rest assured, if you give other licensed drivers permission to use your car, they are usually covered. This includes teens with learner’s permits!

3. Rental car insurance coverage
You might be wondering, “does my car insurance cover rental cars?” Generally, your auto policy should apply to the rental vehicle as long as you are driving within the United States (including your deductible). Always read the contract carefully and ask the rental agent to explain anything if you’re unsure.

Additionally, you can add vehicle rental and trip interruption coverage to your auto insurance to provide coverage for a rental vehicle if you have an accident away from home. With this protection, you may be reimbursed for a rental car if you have a covered claim, and if you have an accident more than 100 miles from home, you could also apply this coverage to travel expenses like transportation, lodging and meals. Expense limits differ by state, so talk to your insurance representative about the types of coverage available where you live.

4. Insurance coverage at a hotel or vacation home rental
If you are the victim of theft while you’re renting a vacation home or staying in a hotel, you may have coverage through your home insurance for your personal property. If you accidentally cause damage to the property you're staying in, you may have liability coverage as well.

Planning some fun at home this summer? Make sure your backyard is safe for all your favorite activities by using this su...
06/09/2026

Planning some fun at home this summer? Make sure your backyard is safe for all your favorite activities by using this summer safety checklist.

Pool safety
• Never leave children unattended
• Kids should never be alone in or near a pool (even if they know how to swim)
• Sign your kids up for swimming lessons

Learn emergency skills
• Young children should learn when to get help. Older children and adults should learn CPR and first aid
• Keep a first-aid kit, ring buoys and reaching poles nearby. Easy access to these items could be lifesaving

Install a safety fence
• Make sure your pool safety fence covers all pool sides and has self-closing gates. Also, install locks and alarms on doors with pool access.
• Create and post safety rules and enforce them.

Trampoline safety
• Add safety features
• Make sure your trampoline has padding and netting. An enclosed trampoline can help prevent falls
• Maintain your trampoline
• Inspect your trampoline regularly for missing pads, tears, exposed springs and other issues that could cause injury
• Enforce safety rules: Only one jumper at a time to reduce risk of injury

Playground safety
• Inspect your playground equipment regularly
• Create a safe landing
• Teach playground rules
• Supervise young children at play

Review your home liability insurance limits

Even if you follow all these tips, accidents happen. Keep your liability insurance coverage updated (and consider adding an umbrella liability policy). If you add a pool, trampoline or playground to your yard, meet with your insurance agent to see if you need to increase your home liability coverage. Stay safe and have fun this summer!

Are you planning to join the millions of holiday travelers this year? Don’t leave your home unprotected. Before you lock...
06/05/2026

Are you planning to join the millions of holiday travelers this year? Don’t leave your home unprotected.

Before you lock up and head out, these smart moves help give your home added security while you’re away.

Check out the image to learn simple ways to guard your home when you travel.

For more on how to keep your home protected go to countryfinancial.com/home.

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has been protecting homeowners since 1925. Follow us for more on how you can protect the things that matter most.

06/01/2026

Are you a newlywed or newly engaged? If so, congrats! Here are our top marriage finance tips to get you started as you plan your new life. Budget together. Discuss separate or combined finances, total debt, savings goals & who manages the bills.

💚 Budget together. Discuss separate or combined finances, total debt, savings goals & who manages the bills.

💚 Consider life insurance: If you think you can’t afford it, you’d be surprised.

💚 Protect your valuables: The engagement ring & wedding bands likely aren’t covered on standard home policies. But they can be.

💚 Ask about Umbrella (liability) insurance: This coverage picks up where traditional car and home insurance drops off.

💚 Find a financial advisor: Before you say you don’t have the $$ to need a financial advisor, that’s exactly WHY you need a financial advisor!

Got questions? I’m just a call or click away!

Don’t wait until you’re under a severe weather alert to gather supplies and make a safety plan. Start preparing today wi...
05/29/2026

Don’t wait until you’re under a severe weather alert to gather supplies and make a safety plan. Start preparing today with these tips.
✔️ Have an emergency plan.
• Decide what your family will do if severe weather is headed your way.
• If you had to evacuate, where would you go? Identify family members or friends who live far enough away for you to get beyond the path of a hurricane, wildfire, or other natural disaster. Tell them you’d like to include them in your emergency evacuation plan and make sure they’re willing to take you in.
• If you have young children, walk through your plan with them, including how they should take shelter in your home.

✔️ Build an emergency preparedness kit. Put together a supply of essentials and safety items in an emergency kit.
Start with the basics:
• Three-to-five-days' supply of bottled water and nonperishable food
• Battery-operated flashlight
• Battery-operated radio and weather radio
• A first-aid kit
• Cell phone charger or battery source for your phone
• Personal hygiene items
• Blankets

✔️ Gather important personal information.
• Make sure you have phone numbers of neighbors, family, friends and utility companies in your phone.
• Keep copies of your insurance and property information in your emergency kit. Many insurers, like us, make this information available through their app. If you’re a client, download our COUNTRY Financial mobile app so these documents are easily accessible.
• Check to see if your healthcare provider offers online resources to store your medical information so it’s easy to access from your phone.
• Keep critical documents, like birth certificates, in a safe or another location you can get to if your home is damaged or destroyed.

✔️ Make sure your home and possessions are covered.
• Create a home inventory with your phone. Save it to the cloud and email a copy to your insurance agent.
• Meet with your insurance agent yearly to review your home insurance policy.
• Check your emergency fund to make sure there’s enough to cover your insurance deductible in case you experience major damage to your home.

05/26/2026

The months between Memorial Day and Labor Day are popular for summer travel. If you and your family are planning to cruise the open road this summer, make sure your car is in tip-top shape.
Here’s how to get your car road trip-ready, so you can be on your way.
✅ Car maintenance checklist:
✔️ Check your tires
✔️ Test your wipers
✔️ Make sure your headlights and taillights work
✔️ Get an oil change
✔️ Prepare your emergency car kit
🚨Consider Roadside Assistance coverage
Roadside Assistance reimburses you for the cost of road trip mishaps like flat tires, towing and locksmith services.
✅ Stay safe and alert on the road
✅Check on your car insurance coverage
If things go wrong, your car insurance is there to help get you back on the road again.

Paying for college isn’t easy. How you choose to save for college depends a lot on your unique situation.Luckily, there ...
05/23/2026

Paying for college isn’t easy. How you choose to save for college depends a lot on your unique situation.

Luckily, there are multiple options available to help you pay for a child’s, loved one’s or your own education. Here are a few things you need to know:

◾ ◾ The benefits of a UGMA/UTMA ◾ ◾

Creating an account for your child under the Uniform Gifts to Minors Act (UGMA) or the Uniform Transfers to Minors Act (UTMA) is a common way to save money for college. As the custodian for the account holder (your child), you’d control the fund until your child turns 18 or 21, depending on what state you live in. The account would then be turned over to them.

A UGMA or UTMA can be a good choice if you’re looking for a variety of ways to fund the account and the ability to use the money for things other than education.

◾ ◾ A Roth IRA ◾ ◾

A Roth IRA can be used to pay for qualified education expenses. Only earnings are penalized if withdrawn before you are 59 ½ and if the Roth IRA had not been funded for five years.
A Roth IRA might be good if you want the option of having a retirement fund already in place if all the money isn’t used for education.

There are two ways you can use a Roth IRA for education purposes:

1️⃣ - Your child opens a Roth IRA -

Your child can open a Roth IRA if they have earned income. Since Roth IRAs are funded with after-tax money, the child’s contributions won’t be taxed when the money is withdrawn. The good thing is, the usual 10 percent tax penalty on earnings withdrawn before age 59 ½ is waived when the distribution is used for qualified higher education expenses.

2️⃣ - You open a Roth IRA -

You can open your own Roth IRA and use the assets to pay for qualified education expenses. You can pay those expenses for your child, grandchild, your spouse or yourself. Again, only earnings are penalized if withdrawn before you are 59 ½ and if the Roth IRA had not been funded for five years.

Investment management, retirement, trust and planning services provided by COUNTRY Trust Bank®️.

Interested in learning more about which option is right for you? Contact me today.

Have you ever made a rash decision and then kicked yourself later for not waiting the situation out? For a lot of people...
05/18/2026

Have you ever made a rash decision and then kicked yourself later for not waiting the situation out?

For a lot of people, that’s what it’s like investing money in the market. When the market is doing well, it makes you feel unstoppable. But when the market starts dipping below your “comfort zone,” you act out of fear and pull your money.

We understand. The uncertainty of the market can cause some major stress, but if you have a plan in place and a team of experts behind you, then you can ride the waves of the market with confidence.

As a COUNTRY Trust Bank Financial Advisor®️, I can ease your worries and help keep you focused on your financial goals, even when the market is not looking good. Let’s talk more about what your financial future could look like!

Learn more: https://cfin.us/4rcwA2t
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we’ve been helping families plan for the future and protect the life they love since 1925. Follow us for ways you can protect what matters most.

How much is life insurance?It depends on your age, health, lifestyle & coverage—but getting covered is easier than ever ...
05/14/2026

How much is life insurance?
It depends on your age, health, lifestyle & coverage—but getting covered is easier than ever thanks to modern tools.

Want to lower your life insurance rate?
✅ Buy early
✅ Practice healthy habits
✅ Consider term life

There’s a plan for every budget. Let’s chat to find the right fit for you—you might be surprised how affordable life insurance really is!
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we’re committed to helping you protect your today and plan for your tomorrow. Follow us for more on how you can protect the life you love.

https://www.countryfinancial.com/en/insurance/life-and-health/life.html

Address

105 Southpointe Drive
Edwardsville, IL
62025

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Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 3pm

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