Julia Ward - Country Financial

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Your teen just started driving. Now what? Here’s how to set real boundaries that stick: No phone while driving. Download...
06/29/2026

Your teen just started driving. Now what?
Here’s how to set real boundaries that stick:

No phone while driving. Download an app that blocks texts and alerts. Set it up with them.
No fiddling with music/maps on the road. Load directions & playlists before leaving.

Make the rule: car = zero distractions. No food. No friends messing around. No gray area.

Want real peace of mind? Do this next:
✅ Sign them up for a defensive driving course
✅ Turn on telematics (most insurers offer apps that track phone use, hard stops, late-night drives)
✅ Review your state’s teen driving laws—curfews, passenger limits, and more
✅ Get our free teen driver safety guide here: countryfinancial.com/teen-driver-safety

Smart habits start now. And yes—your rules matter more than you think.
Let’s help them build confidence and caution.

Message or call me if you want to learn more about our driver safety course.

06/26/2026

Whether you’re a farmer or a parent, life insurance helps you plan for what you can’t control. Contact me today to discuss your options and feel confident your loved ones have the financial security they need.

If you’ve ever thought that you may not have enough life insurance, you’re not alone. According to the 2025 Insurance Ba...
06/25/2026

If you’ve ever thought that you may not have enough life insurance, you’re not alone. According to the 2025 Insurance Barometer Study Report, 25 million Americans feel that they are underinsured, while 74 million Americans don’t have any life insurance at all.

So, what stops us from getting the coverage we know we need? Cost, or more accurately, perceived cost. Historically, nearly three-quarters of Americans overestimate the cost of a basic term life insurance policy. It’s worth noting that respondents, 35 and under, who said they were healthy overestimated the price of life insurance 7-10x the actual cost.

The truth is the right life insurance for your needs might be more affordable than you think. Learn more about life insurance and what options are available to you at countryfinancial.com/life.

we know a thing or two about keeping families protected through all stages of life. We’ve been at it for over 100 years. Follow us for more on how to protect what matters most.

June is National Safety Month, so I’m sharing “Micro Safety Moments” for quick fixes to keep your small business running...
06/24/2026

June is National Safety Month, so I’m sharing “Micro Safety Moments” for quick fixes to keep your small business running safely.

Here are some small tips and fixes you can address today that can make a big difference to the overall safety of your business:
• Replace worn extension cords.
• Do a quick equipment check.
• Label all cleaning supplies.
• Check your building for damage that could pose a risk to customer safety.
• Review your emergency plan and contacts.
• Change your system and computer passwords.

It’s important to make sure your small business’s safety is a top consideration for you, your employees, and your customers. Use these tips today to protect your business tomorrow.
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If you’re running a small business, and you need an insurance checkup, let’s chat!
we've helped over 45,000 small businesses protect what they've worked hard to build. We're confident we can help you, too. Follow us for more tips on how you can protect what matters most.

Do you know what your state’s minimum liability car insurance coverage is? We created a handy chart to help you figure o...
06/24/2026

Do you know what your state’s minimum liability car insurance coverage is?

We created a handy chart to help you figure out if the state minimum is enough or if increasing the limits is in your best interest.

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believes the more you know about insurance, the better prepared you’ll be to make decisions. Follow us for more insurance and financial info.

In our most recent Market & Economic Outlook, the team looks at a period shaped by:➡️ War in the Middle East ➡️ Higher o...
06/23/2026

In our most recent Market & Economic Outlook, the team looks at a period shaped by:
➡️ War in the Middle East
➡️ Higher oil prices
➡️ Changing interest rate expectations
➡️ Market ups and downs.

Even so, the markets have held up better than many might expect.
🔗 Read the full outlook here: https://cfin.us/3RiNfDU

Permanent life insurance policies are different from term life in some key ways. Term life can be great for temporary pr...
06/22/2026

Permanent life insurance policies are different from term life in some key ways. Term life can be great for temporary protection, but if you need long-term security with some added benefits, permanent life might be right for you. Here are some benefits you should be aware of:

*Predictable premiums - Most permanent life insurance, including whole life policies, offer consistent premiums that policyowners can budget for. Individuals with these policies benefit from predictable premiums while securing valuable death benefit protection.

Indexed universal life insurance, a type of permanent life insurance, provides policyowners with significant flexibility in premiums and coverage. This can be valuable for individuals with less predictable incomes or who want to adjust their premium payments from year to year.

*Cash value - One key difference between most term policies and permanent life insurance policies is the presence of policy cash values. These cash values can be accessed by the policy owner for various “living benefit” needs. This may include policy loans, withdrawals or partial surrenders. When structured correctly, policyowners can use cash values without tax consequences, making them an attractive choice for many individuals.

Contact me today to discuss your life insurance needs and get a quote.

Don’t wait until you’re under a severe weather alert to gather supplies and make a safety plan. Start preparing today wi...
06/19/2026

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.

Not sure whether you want a higher or lower deductible for your car insurance? We did the heavy lifting for you. Call me...
06/18/2026

Not sure whether you want a higher or lower deductible for your car insurance? We did the heavy lifting for you. Call me with questions and find out here whether a lower deductible is really worth it.

Has it been a while since the last time you evaluated your life insurance needs? If life has been flying by and some big...
06/17/2026

Has it been a while since the last time you evaluated your life insurance needs?

If life has been flying by and some big changes have happened, it’s a good idea to make sure you have enough coverage to keep your loved ones protected.

If you’re one of the millions of Americans who doesn’t have enough (or any) life insurance*, let's talk to change that today.

*Source: 2025 Insurance Barometer Study Report
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we’ve been protecting families and providing insurance to our clients since 1925. Follow us for more tips on ways to protect what matters most.

Address

1901 George Washington Way, Ste A
Richland, WA
99354

Opening Hours

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

Telephone

+15094918676

Website

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