Robert J. Roll Agency - Farm Bureau Insurance

10/16/2026

- Is there anything more rewarding than your family growing? For me, there isn't.

With every new addition come new joys, new responsibilities, and, of course, new expenses (and a little less sleep!).

As your family grows, so does the importance of making sure they're financially protected.

The life insurance you purchased when you were single, newly married, or welcoming your first child may not be enough for the family you're raising today.

Think about what lies ahead: Daycare. Groceries. A bigger home. Soccer fees. More soccer fees. Even more soccer fees. College tuition.

And all the everyday expenses that come with raising a family.

Would your spouse have the financial resources to manage those responsibilities without your income?

Life insurance isn't just about paying off debt. Its about replacing income, creating options, and giving your family the financial resiliency to keep moving forward.

As your family grows, your protection plan should grow with it.

When was the last time you reviewed your life insurance?

10/08/2026

When was the last time you took a good look at what your money is earning?

If you have money sitting in a CD, IRA, or an old 401(k), it might be worth a conversation.

Our current Multi-Year Guarantee Annuities (MYGAs) offer rates as high as 5.60%, with a guaranteed minimum rate of 2.75%.

No stock market guessing. Just predictable growth and an opportunity to put your money to work.

Not every financial product is right for everyone, but knowing your options is always a good place to start.

Give me a call. Let's see if it makes sense for you.

🍂🍎 October Rate Update 🎃☕
The weather may be cooling down, but there's no bad time to explore options to prevent your long-term security from giving you chills and frights. Check in with your local Farm Bureau Insurance agent to see how we can help.

09/25/2026

- Death and taxes.

Benjamin Franklin famously said those were the only two certainties in life.

More than 200 years later, he’s still got a point.

We spend a lot of time planning around the taxes part. We contribute to retirement accounts. We talk to CPAs. We think about deductions, tax brackets, capital gains and how to keep more of what we earn.

But that other certainty? We’re not nearly as eager to plan for that one...

Life insurance isn’t about predicting when you’re going to die. It’s about deciding what happens financially when you’re no longer here.

Have you left your family with options?
Does the mortgage get paid so your family can stay in the home?
Can your spouse leave the retirement accounts alone?
Can your kids still pursue the plans you’ve been saving for?

Ol' Ben was right about the certainty. You get to decide how prepared you are for it.

09/21/2026

- With fall officially arriving tomorrow, I have a challenge for anyone who knows they need life insurance but keeps putting it off:

Get it done before the last leaves fall.

Do all the fun fall things, like going apple picking, carving the pumpkins, getting lost in a corn maze, and drinking way too much c***r.

But sometime between now and when the last leaves hit the ground, have the life insurance conversation you’ve been meaning to have.

Find out how much you actually need. See what you qualify for. Understand your options.

And if it makes sense, put the coverage in place.

That’s it. That’s the challenge.

Unlike everything else on your fall bucket list, your ability to buy life insurance isn’t guaranteed to still be there next season.

Before the leaves fall. Get it off the list.

09/17/2026

- If you really know me, you know Pearl Jam has provided the soundtrack to 3/4 of my life.

Turns out they also gave me a pretty good life insurance message.

You're still alive.

If you can sing "Oh I, oh, I'm still alive' right now, it's a pretty good time to make sure the people you love are protected.

You're here. Hopefully you're healthy. And you may have choices today that you won't always have.

Life insurance is easy to put off because there is always tomorrow, until there isn't.

So here's my advice, courtesy of 24 years experience in the business and way too many hours jamming to Pearl Jam: Take care of it while you're still alive.

09/14/2026

- September is Life Insurance Awareness Month, so apparently I’m seeing uninsured people everywhere. 😂

All joking aside, being uninsured isn’t usually a conscious decision.

It’s usually something that keeps getting pushed down the list.

“I need to look into that.”
“We have some through work.”
“Let’s talk about it after we get through ______.”

And then months turn into years and you still have no good plan.

The problem with life insurance is that you don’t get to decide when your ability to buy it changes. Your health can change. Your insurability can change. And sometimes the option can disappear altogether.

If you have people depending on you and you’ve been putting this conversation off, there’s no better time than when you’re healthy and have choices.

I see uninsured people. 👀

Let’s fix that.

09/11/2026

- A client of mine recently passed away.

A few years ago, he purchased a $500,000 life insurance policy for a very specific reason. He and his wife had worked hard building their retirement, and he wanted to make sure that if he died before retirement, his death wouldn't force her to start spending those assets earlier than planned.

Unfortunately, that day came.

His wife is grieving the loss of her husband, and no amount of money changes that. But because they planned ahead, she doesn't have to immediately turn to their retirement accounts for the money she needs to live. She has $500,000 of tax-free life insurance proceeds. More importantly, she doesn't have to start dismantling the retirement plan they spent years building just to create income today.

That's a bigger deal than it might sound.

Money in traditional retirement accounts is generally tax-deferred. Pulling money out to live on can create taxable income, and once those dollars are withdrawn, they're no longer sitting in the retirement vehicles they chose, continuing to work toward her future.

His life insurance gave her another bucket of money. It protected time. It protected choices. And it protected years of retirement planning from being disrupted at the worst possible moment.

She can use the life insurance benefit for her needs today while giving their retirement assets the opportunity to remain invested for the retirement they planned.

Today, I'm incredibly thankful he had that conversation about life insurance.

09/10/2026

- Well, apparently I need to add “AI destroys humanity” to my life insurance needs analysis.

Mortgage, income replacement, college funding, final expenses…War Robot uprising?

That last one is new.

I’ve spent 24 years telling people that the best time to have the life insurance conversation is before you need to have it. Admittedly, Skynet has never been part of that conversation.

But the point still stands. Get coverage while you’re healthy and have options. Get enough to protect the people who depend on you. And don’t wait until something changes to find out what you can, or can’t, qualify for.

I can already imagine the underwriting interview:

“Any recent changes to your health?”

“Well, I was just chased and shot at by a T-800.”

Yeah, we probably should’ve taken care of this last year.

09/09/2026

- Imagine your future self looking at their life insurance premium one day and thinking:

“Wait…I’m still only paying THAT much?!”

That’s one of my favorite things about whole life insurance.

When you purchase a properly designed whole life policy, your premium is locked in. The amount you pay doesn’t increase just because you turn 50, 60, 70 or 80.

But here’s the part we don’t talk about enough:

While the premium stays the same, the purchasing power of those dollars generally decreases over time.

A $100 premium today is still $100 decades from now. But because of inflation, $100 likely won’t buy nearly as much then as it does today.

So, in real purchasing-power terms, that fixed premium can effectively become less expensive over time.

And here’s another advantage: properly funded whole life insurance builds cash value and pays dividends, which, depending on policy performance and how the policy is managed, may eventually help pay the premiums itself.

So, lock in tomorrow’s life insurance with today’s dollars.

Your 75-year-old self will look back and say, “That was a pretty good decision.”

09/03/2026

- Your kids do not understand life insurance today.

But, they understand that you provide the home they live in. The food on the table. The clothes they wear. The activities they love. And the plans you’re making for their future.

They depend on you for just about everything.

Life insurance is one of those conversations that’s incredibly easy to put off.

From “We’re young and healthy. What could go wrong?”
To “We’ll eventually get around to it. We have plenty of time.”

Until you don’t.

If someone depends on your income, I challenge you to have the conversation while you still have choices.

Your baby demands it. 😡👶