The Derocher-Culbertson Team

03/31/2026

Life insurance provides more protection than you might think. If something ever happens and you are no longer here to help pay for the mortgage, life insurance is a great way to help your family stay in your home. Plus, enhancing your coverage might be more affordable than you expect. Contact me today to discuss your options and feel confident your loved ones have the financial security they need.

03/24/2026

Life insurance should be customized for your needs, whether that’s a term policy with an affordable monthly premium or a permanent policy that can help you pay for future expenses. Contact me today to discuss which option is right for you.

03/10/2026

Life changes fast. Has your life insurance kept up with you? Along with providing necessary protection, it’s a valuable planning instrument that can help secure your future. Learn more and get a quote for Forbes’ #1 ranked life insurance for 2024: https://cfin.us/LetsTalkLifeInsurance

02/13/2025

11/29/2024

A VERY Happy Thanksgiving to all our clients and business partners. It’s an honor and a pleasure to serve all of you. On behalf of the entire TEAM, we thank you for trusting us to protect what matters most and help you plan for the future. We hope you all have a blessed day with family and friends! All the best, Frederick

06/11/2024

Wow! We’ve been ranked #1 for life insurance in the U.S. on Forbes’ World’s Best Insurance Companies 2024 list! Plus, we placed seventh in the U.S. for auto insurance and eighth for homeowners’ insurance. To our employees and representatives who embody our values to our clients and communities, thank you.

Learn more about the ranking and see the list: https://www.forbes.com/lists/worlds-best-life-insurance-companies/

09/26/2023

My colleague, COUNTRY Financial representative Bret Huett, learned firsthand that having the protection you need during times of crisis can help you focus on what's most important. Contact me to ensure you’re prepared for the unexpected.

09/19/2023

Our new Indexed Universal Life (IUL) insurance is a permanent life policy that offers a death benefit, and also has the potential to build cash value. And you can use that money a lot of different ways! Give me a call or learn more about Indexed Universal Life insurance here: https://cfin.us/IUL

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Policy loans and withdrawals decrease the cash surrender value and death
benefit of the policy. The decision to purchase life insurance should be
primarily based on the need for the death benefit. Life insurance is not an
investment and is not appropriate as a replacement for retirement savings
accumulation.

Policy Forms: ICC21(IUL) and IUL(ND21) | IULHEARSAY(03/23)

09/12/2023

If you’ve recently gotten married, have a child on the way or gone through any other major life change, now’s a good time to review your life insurance beneficiaries. Contact me to schedule your review today.

09/05/2023

Life insurance does more than protect your family in the event that you pass away. It can help you today! You can use it to pay* for college, supplement your income, or put a down payment on a vacation home. Message me to learn about all your options.

*Policy loans and withdrawals decrease the cash value and death benefit amount of the policy. The decision to purchase life insurance should be primarily based on a need for the death benefit. Policies are not an investment and are not appropriate as a replacement for retirement savings accumulation.

08/29/2023

If someone depends on you financially, you probably need life insurance. Use this easy tool to see how much life insurance you need to protect your family: www.countryfinancial.com/LifeNumber