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It’s important to understand your life insurance options and it’s advantages from the get-go!


When is a good time to buy life insurance? Many people benefit by having life insurance, when someone else is depending on your income, there’s generally a need for life insurance. You may already have life insurance coverage through your employer. Even so, it’s usually a good idea to consider purchasing additional coverage independently, because policies you buy outside an employer’s plan are portable, meaning your coverage continues even if you lose or leave your job. Also, your employer’s coverage may not meet your financial obligations for adequately protecting your family. Life insurance will never be cheaper than today, so ideally the present time is a good time.


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How much life insurance do you need? One of the biggest questions when talking about life insurance is how much will you need? Since everyone’s financial situation is a bit different, there is no rule to tell you how much to buy. Is it $250,000, $500,000, $1 million or more? Each sounds like a lot of money, I know, but when you have to pay for final expenses, outstanding credit card balances and other debt, the total can quickly add up.

Tom Berger Associate Manager Farm Bureau Financial Services 709 Omaha St Rapid City SD 57701 Office: (605)348.3470 Cell: (605)209.4414

“Did you know a small 10 or 15 year WL policy can be paid for before a newborn reaches middle school? That policy will be with them forever and could even provide guaranteed insurability when they start a family of their own!” –Tom Berger

Join us for Member-Owner Appreciation Day on Saturday, March 16 and enjoy 10% off your purchase!


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Three Studios – One Big Academy Family 605.719.5678 – 230 Main Street, RC 605.342.4426 – Canyon Lake Drive, RC & Sturgis Community Center


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605.348.3331 100 E. Boulevard North Rapid City, SD

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April 27, 2019 “Candyland” and “Game On!” Performances @ Rushmore Plaza Civic Center • Fall Preview Open House May 18

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