Country Financial of Iowa

Country Financial of Iowa This is the page for the Award Winning COUNTRY Financial Iowa Agency! We have a long history of protecting people.

COUNTRY Financial® was formed by a group of Illinois farmers in 1925 as a fire... and lightning insurance company. A year later, the company expanded and began to offer coverage for autos and equipment. Today, we have more than 3,000 employees and 2,000 financial representatives and offer a full range of products and services to meet your insurance and financial needs.

07/09/2025

Make sure your expensive items are properly insured. Here’s why:

• Typical homeowners insurance policies cover furniture, clothing and other personal possessions, but only up to a certain dollar amount.

• High-value items like jewelry, artwork, smart phones and computers may need additional coverage.

• Do you have any fi****ms or recreational vehicles (like ATVs, jet-skis, etc.)? Those would need to be listed on your policy as well.

The answer is easy: Talk to your insurance agent and make sure everything is covered properly.

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has been protecting families and providing insurance to our clients since 1925. Follow us for more tips on ways to protect what matters most.
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Permanent life insurance policies are different from term life in some key ways. Term life can be great for temporary pr...
06/29/2025

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.

Congratulations!!
06/25/2025

Congratulations!!

Life changes fast. Has your life insurance kept up with you? Along with providing necessary protection, it’s a valuable ...
06/24/2025

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 at https://bit.ly/3F0LaXf

Life insurance should be customized for your needs, whether that’s a term policy with an affordable monthly premium or a...
06/19/2025

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 your local representative today to discuss which option is right for you.

When planning a getaway, you’re looking to relax and enjoy a break from the stress of everyday life. The last thing you ...
06/11/2025

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.

Home fires can start and escalate quickly in everyday moments. So, here are some fire safety tips you can use to prevent...
06/03/2025

Home fires can start and escalate quickly in everyday moments. So, here are some fire safety tips you can use to prevent fires.

1.Pay attention in the kitchen
• Turn the burner off before you walk away.
• Turn pot handles toward the back of stove.
• Keep stove clear of oven mitts, towels etc.
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2. Use a space heater with care
• Leave at least three feet of empty space around the heater.
• Plug the heater into a wall outlet (not an extension cord).
• Ensure heater is approved for indoor use.
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3. Maintain your furnace
• Ask a heating and cooling specialist to inspect it every year.
• Change furnace filters every three months.
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4. Check your chimney
• Pay for annual chimney sweeps.
• Dispose of (or vacuum) ashes only after they’ve cooled for at least 48 hours.
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5. Leave smoke detectors enabled
• If your smoke detector goes off while you’re cooking, don’t turn it off. You might forget to turn it back on.
• Test smoke and carbon monoxide detector batteries at least twice a year.
• Pay attention to your wiring very floor, including the basement.
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6. Pay attention to your wiring
• Don’t overload electrical outlets by reviewing wattage rating and following manufacturer instructions.
• If you blow a fuse, consider it a warning and decrease wattage by plugging that item into a different area.
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Don’t forget to make sure you’re protected with proper home insurance coverage. Give me a call today!

05/03/2025

Winter is gone and spring has sprung, so now is a good time to check your property for any post-winter damage. Read on to find out how you can get your property in shape and avoid costly future damage with our spring home maintenance checklist:

1️⃣ Check your roof
Repair cracked or missing shingles and remove debris buildup, such as leaves and branches. If you have a newer roof or are planning to get a new roof, you may be eligible for a home insurance discount.

2️⃣Clean gutters and downspouts
Clear your gutters and downspouts of leaves and debris to help the spring rain flow freely from off your roof, reducing the chance of damage caused by a backup.

3️⃣ Check for other exterior damage
Repair torn window screens and weather stripping, cover holes and gaps where animals and bugs can get in and check the chimney for damage.

4️⃣ Check your smoke and carbon monoxide detectors’ batteries
These life-saving devices are a key deterrent for home fires, eliminating or reducing damage to your home.

5️⃣ Get a dehumidifier
If your basement is damp, you may have poor ventilation – a dehumidifier can help dry things up. If you have valuables in your basement, talk to your insurance agent about sump pump backup coverage.

❇️ Bonus tip: Check in with your insurance agent
Make sure you’re protected with proper home insurance before severe spring weather hits.

Completing the items on this home maintenance checklist can keep your property looking good and help you avoid future home insurance claims.

04/29/2025

The most common purpose of life insurance is to provide money for your family if something happens to you. Planning to meet the financial needs of your survivors is one of the most important and fundamental steps in creating a sound financial plan for you and your family.

“But how much life insurance do I actually need?” I'm so glad you asked! If you need help determining how much is enough life insurance, check out our Life Insurance Calculator. This interactive tool will help you determine in minutes how much life insurance is right for you.

You may have heard it said that life insurance will never be as affordable as it is today. It’s true! With our Life Insurance Calculator, you will answer questions about your income, mortgage and debt to get an estimate of how much life insurance you’ll need.

Most people get life insurance to help:
• Pay off debt, like your mortgage
• Replace lost income to take care of loved ones
• Cover burial and final expenses

If you have additional life insurance questions after you use the Life Insurance Calculator, give me a call. I’ll take the time to get to know you and your individual needs, so I can find the best options for you.

Get started today with a life insurance estimate by using our Life Insurance Calculator!

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we're committed to helping you protect your today and plan for your tomorrow. Follow for more on how you can protect the life you love.

Debt is a bummer. Fortunately, reducing debt isn’t as hard as you’d think. Here are two of the most common ways you can ...
04/24/2025

Debt is a bummer. Fortunately, reducing debt isn’t as hard as you’d think. Here are two of the most common ways you can attack your debt.
▪️Avalanche approach▪️
Credit card interest rates are typically higher than rates on cars, mortgages, student loans, etc. And to be honest, paying interest on debt is wasting your hard-earned money.
So that’s where you’ll start attacking debt with the avalanche approach.
Look at your most recent credit card statement and rank your debt based on interest rate, highest first.
Work towards making bigger and bigger payments on those high-rate cards and, over time, you’ll pay less interest each month.
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▪️Snowball strategy▪️
This approach takes a bit longer than the avalanche approach because you’re starting small, but it works better for some people.
Using the snowball strategy, rank your debts by the total amount owed, smallest balance first.
And just like in a snowball fight, start knocking down the debt one-by-one.
Pay your smallest debt as quickly as possible so you can cross it off your list. Once that debt is eliminated, move to the next smallest debt.
For both methods, make sure you’re making minimum required payments on all other debts.
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Pro tip: Use the money that was going to the now paid-off debt to make larger payments on remaining debt.

Debt doesn’t have to keep you down. Whether you choose the avalanche approach or the snowball strategy, working to pay off your debt will set you up for financial peace.

We’re celebrating our 100th anniversary and (if you are local) you can join the fun! For the rest of 2025, you can visit...
04/20/2025

We’re celebrating our 100th anniversary and (if you are local) you can join the fun! For the rest of 2025, you can visit the COUNTRY Financial exhibit at the McLean County Museum of History in Bloomington, IL. Learn about our history, check out artifacts and see how insurance products and services have evolved over the last century. And, as part of our celebration, COUNTRY is sponsoring Free Tuesdays for all visitors!

⚫ If you are not local to Bloomington, no worries! Enjoy these pictures from the 100 years of COUNTRY Financial exhibit.

⚫ Let us know what piece of COUNTRY Financial's history interested you the most in the comments!

⚫ Learn more about the exhibit at: https://cfin.us/43bREN8

Planning a vacation or is a big trip just around the corner? Before you hit the road, here are six simple tips to help k...
04/18/2025

Planning a vacation or is a big trip just around the corner? Before you hit the road, here are six simple tips to help keep your home and belongings secure while you’re gone. ​
✅ Stash your stuff in a safe - Before you leave, place your valuables in a locked safe or safe deposit box. If those aren’t options for you, make sure valuables aren’t in plain sight or in an obvious place.​
✅ Hire a sitter - If you have a pet, you can either hire a pet-sitter or drop Fido off at the local doggie daycare. For pet-free homes, consider hiring a house sitter to help water plants and check in on your home every couple of days. ​
✅ Stop your mail - A tell-tale sign no one’s home is when a mailbox is overflowing and packages are stacked on the porch. Before you leave town, swing by your local post office or fill out their online form to put a hold on your mail. ​
✅ Smart home technology - Burglars aren’t the only thing to worry about while you’re away. Installing smart home technology can help you keep an eye on your home from afar. Many companies offer a variety of smart home technology like smoke and carbon monoxide detectors, garage sensors and water leak detection – so if water is detected in your basement or a smoke alarm is going off, your smart phone is alerted immediately. ​
✅ Keep your landscaping tidy - If you’re going on an extended trip, hire a landscaping company to cut your grass or shovel your driveway. Anything you can do to keep your property looking fresh can deter thieves from breaking in. ​
✅ Be careful on social media - This is nothing new, but something that’s definitely still happening. If you post you’re on vacation, online predators know your house is empty and waiting for them.

Interested in further protecting your property? Contact me today to discuss your insurance options and enjoy your vacation without worry!

Address

West Des Moines, IA
50266

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Telephone

+15152237182

Website

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