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INSURANCE GUIDE 2012
A special supplement to the Delphos Herald -March 2012

2 — The Delphos Herald Insurance Guide

Mistakes people make choosing auto insurance coverage
By Jasper Ericks Choosing the right auto insurance coverage is important to ensure you do not get into the wrong side of law. There are many rules and regulations stipulated by every state that governs the drivers using their vehicles. The most important among these stipulations is the need for a valid insurance coverage. Each year, there are a number of people who are caught by the traffic police and fined or jailed for driving without a valid auto insurance policy. Though many people assume they have a valid policy, they do not realize till much later. If you want to avoid being in such as predicament and ensure you purchase a valid auto insurance policy, there are a few mistakes that you need to avoid. Before you purchase an insurance policy from any provider, you have to verify the authenticity of the provider. You can either visit their offices once or read through the reviews for that auto insurance provider on the internet. Going through the feedback left behind for these companies by previous customers will also give you a fair idea about the credibility of the provider. The next mistake people do is to purchase the coverage without any forethought. There are many factors that you need to take into consideration while choosing the coverage for your vehicle. While the age of your car is definitely the prime factor that you need to consider while deciding on the coverage you require, you also need to tailor in the frequency of usage. If the car is used very often, then you will be a more comprehensive coverage as compared to the coverage you will need when the car is used sparingly.

March 2012

hand while negotiating with the companies of your choice for prices that are easy on your wallet. Ensure you have a clear understanding on the validity of the insurance and that the provider is offering you the basic minimum specified to ensure the credibility of your policy. Buying auto insurance coverage need not be as expensive as you imagine. It is true that the cost of the premiums is increasing with each passing years keeping in mind the increasing rate of fraudulent claims and other aspects. However, it is also true that the premiums can be reduced by planning wisely and varying certain factors that have a strong influence on the insurance rates. It is important to know these factors so you can purchase the auto insurance of your choice at prices that are easy on your wallet. The primary factor that has an impact on the auto insurance premiums is how often you drive the car. Customers who travel by car daily to their workplace have increased chances of meeting with an accident as compared to those who use their vehicles sparingly. As that chances of accidents increase, the liability of the insurance provider also increases. They try to minimize their risk by charging higher premiums to such drivers. Therefore, if you want to keep

Finally, never purchase the auto insurance without comparing the policies. There are many providers in every region, thereby making this field very competitive. As a customer, you stand to benefit since you can get quotes from multiple providers and compare who is giving you the best coverage at affordable prices. You also will have an upper

P B

your insurance premiums to a minimum, it is recommended that you curtail your driving needs. Consider using the public transport system to commute to and fro your workplace. Do not use cars if your workplace is closer to home; consider taking a walk instead. Another aspect that has a bearing on the auto insur(See AUTO page 3)

PURMORT BROTHERS INSURANCE AGENCY
Insurance Since 1876

“Call and compare with the people who care”
• Liability Insurance • Fire Insurance • Group Insurance • Long Term Care • Farmowners

• Homeowners

Family insurance needs

Business insurance needs

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•Automobile

• Life Insurance

• Medical Insurance • Long Term Care • Farmowners

• Business Cars & Trucks

ROBERT D GAMBLE Robert D Gamble gambler@nationwide.com 122 N Washington St Van Wert, OH 45891 (419) 238-0406

419-238-6214 * Mon-Fri 8:00-5:00

101 W. Crawford Street, P.O. Box 350 Van Wert, Ohio 45891

©2006 Nationwide Mutual Insurance Company and Affiliated Companies. Nationwide Life Insurance Company. Home office: Columbus, Ohio 43215-2220. Nationwide, the Nationwide Framemark and On Your Side are federally registered service marks of Nationwide Mutual Insurance Company. Not available in all states.

www.purmortbros.com

General insurance tips:

For getting insurance quotes

TIPS

March 2012

The Delphos Herald Insurance Guide —

3

•Have your current insurance policy with you when requesting your insurance quotes. •Consider a higher insurance deductible. •Place all of your insurance policies with the same company to qualify for a multiple policy discount.

A GOOD SIGN EVEN IN TIMES LIKE THESE.
A GOOD SIGN EVEN IN TIMES LIKE THESE.

For car insurance quotes:

•Be sure all vehicle discounts are applied (Anti-lock brakes, Alarm system, daytime running lights, vin-etching, etc.). •Take a defensive driving course. •Be very accurate about your mileage to and from work. •Ask about affinity discounts.

For a homeowners insurance quotes:

•Be sure that your home is insured to its value •Be sure all home discounts are applied (Alarm, smoke alarms, fire extinguishers, dead bolt locks, etc.). •If your older home has been renovated, tell your agent.

For a life insurance quotes:

•Consider level premium term insurance. •If you are a smoker, quit for at least 13 months and request that your insurance company consider you for a nonsmoker insurance rate.

For a health insurance quotes

•Consider a higher co-payment or deductible. •Join a group health insurance plan.

For a long-term insurance quotes

•Consider a longer elimination (waiting) period. •Purchase coverage when you are young (premiums are lower). •Pick a daily benefit based on where you live.
Many of us know that having life is insurance is important, but it may not always be clear to people how life insurance works or why exactly it’s so significant to begin with. An agreement between the insurer and policy holder, life insurance pays an agreed upon sum of money to someone whom the insurer names as beneficiary; in case some sort of wrongful death or terminal illness should befall the insurer. In simple terms, life insurance helps take care of your family or loved ones in case something unforeseeable happens to you. It is imperative to remember that if you miss even a single payment, your insurance may be revoked…and if you die at this time, then it might not pay out at all. Knowing and

The Importance of Life Insurance

ance premium is the security features in the car. With an increasing number of cars being stolen regularly, auto insurance providers are apprehensive while offering insurance policies to customers, especially the ones with new cars since the chances of those vehicles getting stolen are higher. Therefore, they charge such customers high premiums to reduce their risk. If you want to ensure the best coverage for your relatively new car without any compromises, the best bet would be to get certain safety devices affixed to your vehicle to minimize the chances of

(Continued from page 2)

AUTO

understanding your policy completely is the best way to ensure that you don’t lapse on your policy, or fail to understand something completely…both of which could easily lead to non-payment in the event of death. Remember, life insurance isn’t something worth skimping on, it counts to pay more for things you may not need than to leave them out. In this world, you can never be too sure about something, and it pays to cover all your bases. Though with the many pitfalls that accompany life insurance, the industry does help a lot of grieving people each year with expenses they might not otherwise be able to pay for.

Everyone’s looking for an encouraging sign in today’s economy. The fact is, they’ll see one in over 17,500 locations across North America. Because for over 86 years, State Farm® agents have been there helping people protect the things that matter most. That’s why more people trust State Farm. And we consider that a very good sign.
Everyone’s looking for an encouraging sign in today’s economy. The fact is, they’ll see one in over 17,500 locations across North America. Because for over 86 years, LIKE protect the things that matter most. State Farm® agents have been there helping people A GOOD NEIGHBOR, ® STATE FARM IS THERE. That’s why more people trust State Farm. And we consider that a very good sign.

LIKE A GOOD NEIGHBOR, ® STATE FARM IS THERE.

them getting stolen. Insurance providers will reward this move by offering you higher discounts that can help you save money. The type of the coverage chosen is another factor that has a bearing on the premium. It is important to choose the right type of coverage based on the type of car and its age. If you have a car that is years old and does not have a high market value, choosing the comprehensive coverage can be an unwise move. Choosing the third party coverage instead can prove to be a better choice.

Steve Bailey 109 W Main Street Steve Bailey Van Wert, OH 45891 109 W Main Street Bus: 419-238-9441 Van Wert, OH 45891 steve.bailey.byyu@statefarm.com

Bus: 419-238-9441 steve.bailey.byyu@statefarm.com

Bus: 419-692-1626 dodie.seller.bxtf@statefarm.com

Dodie Seller 251 N. Canal Street Dodie OH 45833 Delphos,Seller 251 N.419-692-1626 Bus: Canal Street Delphos, OH 45833 dodie.seller.bxtf@statefarm.com

P087083 11/08
P087083 11/08

PROVIDING INSURANCE AND FINANCIAL SERVICES State Farm, Bloomington IL
PROVIDING INSURANCE AND FINANCIAL SERVICES State Farm, Bloomington IL

statefarm.com®
statefarm.com®

4 — The Delphos Herald Insurance Guide

How to choose a
by Melissa Jeffries Choosing the proper health insurance plan is a huge decision for most families. There used to be one type of service (now known as a fee-for-service plan), but since then we’ve been bombarded by choices. Today, trying to find the best plan for you or your family is enough to make you reach inside your medicine cabinet. You need to know what options are available to you, what each of those options offers and whether or not you can afford them. In this article, we’ll look at the two primary issues that most people face when trying to find the right health insurance plan: budget and need. Keep in mind that there is no one-sizefits-all health insurance plan. To find out what kind of coverage you need, and to avoid paying for what you don’t, there are several questions you should carefully consider before you sign on the dotted line. Once you’ve settled on a plan, it’s your responsibility to thoroughly understand it and follow its guidelines. The variety of plans seems endless, so where do you begin to make sense of them all? There are several key factors to consider when purchasing a health care plan -- we’ll wade through these factors to help you find out how to choose the best one for you and your family.

March 2012

HEALTH INSURANCE PLAN
Finding the intersection of budget and need can be tough. The needs of a healthy twentysomething are vastly different from the needs of a family of four, which are vastly different from a baby boomer entering retirement. Luckily there are good options for each situation. Every kind of health insurance plan, be it a managedcare or fee-for-service plan, has different ways of handling every different kind of scenario. First, you need to determine what kind of coverage you need and whether or not you can afford it. Let’s take a look at the questions raised by finances. Those of us who are operating under a low financial ceiling need to pay careful attention to where our health care dollars are going. Do you visit the doctor very often? How much of a monthly premium can you afford? Can you meet your deductible in order to get full coverage? If you choose a managed-care plan, how much more will it cost to go out of the provider network? Is there a limit to the amount you’ll have to pay and to the amount paid to you by your insurance carrier? Of course, these financial concerns are made doubly important when you begin to factor in your own health care needs. Are you caring for any dependents? Do you have any pre-existing conditions? How comprehensive do you want your plan to

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be? Do you need dental and vision plans? Do you have a chronic illness that requires monthly treatment? What are your monthto-month medical expenses, like prescription drugs? What could happen should you require surgery? What if you were injured in an accident? How much preventative care do you want? These are tough questions, but it’s never a good idea to bury your head in the sand, especially where health is concerned. With careful consideration of these questions, you and your family will be able to find that health care sweet spot -- where you get the coverage you need at prices you can afford. Health Insurance Plan Options

Health management organizations (HMOs) are essentially low-cost, but lowchoice, health plans. You choose a primary care physician (PCP) who coordinates all of your health care needs. Therefore, whenever you need a specialist, you must go to your primary doctor first and get a referral. This can be time-consuming, but one advantage of having a primary doctor is that if you have several health issues, there is one person who can be sure you are pursuing the right type of treatment. Also, you are confined to doctors and hospitals that are included in the HMO network. If you choose to wander outside of the network, none of your expenses will be covered. In these types of plans, your co-pay is usually

227 N Main St Delphos, OH 45833 419-695-7010 joan.m.smith@ampf.com www.ameripriseadvisors.com/ joan.m.smith

insurance agency
• Farm • Home • Auto •Life • Fire • Property & Casualty
100 West Main Street Phone: Van Wert, Ohio 45891 Fax: www.rhoadesinsurance.com

Rhoades
James A. Rhoades, LUTCF

Ameriprise Financial Services, Inc. Member FINRA and SIPC. Ameriprise Financial cannot guarantee future financial results. © 2012 Ameriprise Financial, Inc. All rights reserved.

419-238-2341 419-238-9544

March 2012

The Delphos Herald Insurance Guide —

5

low, if you have one at all. So, if you have several doctor’s appointments each month, this makes good financial sense. In a preferred provider organization (PPO), health care providers (like doctors and hospitals) have made an agreement with the insurance companies to offer substantially discounted fees. The system has a kind of “you scratch my back and I’ll scratch yours” feel to it. The insurer gets a discount from the provider, which theoretically is passed along to you, and in return, the provider gets a much larger group of patients to bill. A PPO does not require you to maintain a PCP, so you can seek care from a specialist without a referral. Also, you can use a provider outside of the network -but the expenses can be substantially higher. A point of service plan (POS) combines the formulas used by HMOs and PPOs. Like in an HMO, your PCP must refer you to in-network specialists in order to maintain the lowest expenses possible. When receiving care from a provider within the network, you are responsible for a small co-payment, but you don’t have to meet a deductible. It is when you go outside of your network that a POS acts more like a PPO. A POS will allow you to self-refer outside the network. In this scenario, you must first meet the deductible, and then

you’ll probably have higher coinsurance. A PPO offers a strong financial incentive to remain within the network, but does not forbid it the way an HMO would. Catastrophic insurance is a type of feefor-service policy that is designed to give protection against, well, a catastrophe. It is sometimes referred to as a High Deductible Health Plan because low monthly premiums, usually around $25, are traded for a significantly higher deductible, usually between $500 and $5,000. This means that with this plan, out-of-pocket expenses like routine doctor’s visits and prescription costs are higher, but monthly and annual premium fees are lower. By opting to lower your monthly premiums, you are taking on a greater responsibility for covering your own health care costs. Feefor-service plans, or indemnity plans, are what older generations know simply as “health insurance.” They are the most traditional, expensive and liberal type of coverage. They work by reimbursing you for around 80 percent of what you pay out of pocket. You pay the bill for services, then your insurance company pays you back. It works out to be the same as paying a 20 percent co-pay, but you are responsible for all of the up-front costs. You can seek any type

of care, wherever and whenever you want. Most plans of this sort do have a lifetime maximum to the benefits you’ll receive, though. If flexibility and freedom are more important to you than minimizing your out-of-pocket expenses, this plan might be just what you’re looking for. Finding that equilibrium between budget and need is a delicate balance. Maybe one type of plan would be better for you

in the long run but is financially out of reach at the moment. Anticipating health care needs is a great way to extend your own life as well as that of your checking account. What is most important is for you to know what you’re getting, and what you’re giving up, when you enter into a health insurance policy. There are plenty of options, and one of them is bound to be the right one for you.

RETIREMENT IS FOR
Long term care insurance can help protect you and your family.

ENJOYING YOUR FAMILY,
NOT DEPENDING ON THEM.
You cherish your loved ones. That’s why it’s so important to help protect them from financial burden if you should require in-home assistance or a nursing home stay. Edward Jones offers a variety of long term care insurance plans that can help cover the continually rising costs associated with this type of care. It’s important to know that health insurance, Medicare and Medicaid may not cover all types of long term care. Together, we can discuss how a long term care insurance policy may be able to help protect your savings and provide support for your loved ones. Call today for details on the costs, benefits, limitations and exclusions of a long term care insurance policy.

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Long term care insurance products are underwritten by GENWORTH LIFE INSURANCE COMPANY.
This is a solicitation of insurance for policy form series: 7042, 7042 Rev, 7044, 7044 Rev, and 7048. (In Florida, 7042FL, 7044FL; in Idaho, 7042ID Rev, 7044ID Rev, 7048ID; in North Carolina, 7042NC Rev, 7044NC Rev; in Oklahoma, 7042OK Rev, 7044OK Rev, 7048OK; in Texas, 7042TX Rev, 7044TX Rev; in Washington, 7042WA, 7044WA, 7048WA; in Vermont, 7042VT, 7044VT.) Not all policies are available in all states.

20 W. Second St., Ft. Jennings

G A BROWN INS AGENCY INC Greg Brown 346 E. Main St. Ottawa, OH 45875 (419) 523-5527

Andy North
.

Financial Advisor 1122 Elida Avenue Delphos, OH 45833 419-695-0660

www.edwardjones.com

Member SIPC

(419) 286-2660

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INS5533ADA 06/08/09

6 — The Delphos Herald Insurance Guide

Tips to buying

March 2012

By Scott Purve Shopping for homeowner insurance is one of those nagging home buying details that sometimes manages to slip though the cracks. It’s not unusual for insurance agents to receive last-minute frantic phone calls from title and / or escrow companies requesting a home insurance binder. To save yourself trouble, it’s a good idea to start shopping for a homeowner policy as soon as your purchase offer is accepted. Here are a few tips about buying homeowner insurance that are designed to save you time and money: Determine Insurability Your insurance agent needs extensive information from you to quote you the best rate for your policy. To determine insurability, an agent will ask: When was the home built? How old is the plumbing and electrical? What type of roof? What’s the square footage? How many claims have been filed over the past 5 years?

Homeowner Insurance

Where is the home located? If the home is located in a rural area without a nearby fire department or there is no fire hydrant on the street, some companies may refuse to insure it. In that case, you may have to inquire at a specialty or surplus-lines company, and this quote will take longer to obtain. Deductibles You can save money by having a higher deductible on your policy. Typically, insurance companies will start giving discounts at a $500 deductible and increase the discount as your deductible increases. Most companies offer deductibles up to $10,000. Be careful, however, because many mortgage companies will not allow you to exceed a $1,000 deductible, so check with your lender before opting for a higher deductible. How Much Insurance Do You Need? Most agents use a cost estimator to figure cost replacement estimates. This will ensure that your home is insured for the correct amount. Insurance companies do not insure dirt. If you buy a home that

TRUSTED PROTECTION
Auto • Home • Annuities Life • Business Farm • Health

includes a large lot, do not be astonished when you receive an insurance policy for a lot less than what you paid for the home. This is because you are buying coverage for the home and not the land. In the past, replacement coverage was called Guaranteed Replacement Cost. There is no such coverage anymore. Today it is Replacement Cost Coverage, which means each insurance company designates a percentage of additional coverage on top of the insured amount. This is designed to protect the homeowner who has suffered a loss from having to pay additional construction costs to rebuild. It can cost more to build because of inflation or simply because material prices have increased. For example, if the dwelling coverage is insured for $300,000, and the company has 125% replacement cost coverage, the homeowner would receive an additional $75,000. Many recommend 200% replacement cost coverage, which gives homeowners double the coverage. Policy Options You have other choices on your home

insurance policy that you can tailor. Liability coverage is a part of your homeowner’s insurance policy that is often overlooked. This protects the insured against claims arising from bodily injury and property damage to others. For example, if your fiveyear-old was playing with matches and set your neighbor’s house on fire, your liability coverage would pay for this damage. You might have to move out of the neighborhood, but your insurance policy would pay your neighbor. It is common to see $300,000 in coverage for liability, but the cost to raise it to $500,000 is about $20 more a year. You can have up to one-million coverage on most policies. Over that, you need an excess liability policy or “umbrella” policy. Umbrella policies give you an additional $1,000,000 liability coverage for a $300 to $500 premium. Available Discounts Make sure that you are getting all of See HOMEOWNER page 7

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HOMEOWNER

Life Insurance Life insurance will help ensure that your family has the money it needs should you meet with an untimely death. Some lenders require that you have life insurance before they’ll issue a loan; this guarantees that the loan will be repaid if you meet with an untimely end. Business Property Insurance Business property insurance helps protect you against loss of inventory or equipment. If your business equipment or inventory is damaged in a flood, fire, or other disaster, this type of insurance will allow you to recoup your losses. General Liability Insurance Comprehensive general liability insurance is necessary for your home-based business if you plan on having clients or customers visit your home. Whether you plan to hold meetings, allow customers to pick up disaster, and will pay for operating expenses merchandise, or have members of the public Life is full ofhome for any other reason, this in- that insuranceup and running. though your life continue to accrue, even enter your changes and challenges. The rightbusiness isn’t surance can help you plan ahead is whatever Workers’ both coveragewill protect you if someone forinjured may happen,Compensation Insurance while on your property. challenges. The right Life is full of changes andThis Call or visit your local Pekin InsuranceTM insurance is an insurance expected pay for your legal defense should life Workers’ compensation and unexpected. insurance will typically coverage canthe wide rangeahead for whateverabsolute that will be your plan on having emhelp you plan of life insurance products necessity if you may happen, both Agent aboutlawsuit as the result of a fall or ployees working out ofTM you face a your home. Without expectedof changes and on your property.your local Pekin Insurancebe other damage unexpected. Call or The life is full and that occurs challenges. visit right life insurance you’ll in. Universal Life preserver for whatever stage of life you areworkers’ comp,Life, Term responsible for any AgentBusiness Interruption Insurance Life,products expenses arising about Whole Life, Single Pay Child Life, Preferredhelp you plan of life insurance Annuities ... andboth your coverage can the wide rangeahead for whatevermedical that willmore will from injuries emmay happen, be Businessfor whateverinsurance will you areployees sustainLife, Term interruption stage of life help life Beyond theunexpected. Call and your loved ones. in. Pekin while working for you. Many go preserver expectedTM natural disasters. localUniversalbusiness expected and recover from for youor visit your home-based InsuranceTMowners mistakenly your business Life, Preferred you forLife, Single Payinsurance Annuities ... this typeyour It will cover Whole range lost Child Life, believe that will be will Agent about the wide incomeof lifeduring the products thatand more of insurance is only reTM go preserver for whatever for you life you loved ones. retail or seplife Beyond the expected stage ofand yourarequired by businesses that have acase. Another in. Universal Life, Term arate location, but that’s not the Life, Preferred Whole Life, Single Pay Child Life, Annuities is and more will only ‘dangerous’ mistake ... assuming that TM TM employers go Beyond the expected for you and your loved ones. (such as construction or movers) (Continued from page 6) bining the two policies with the same com- need this type of insurance. But what if your the credits for which you are eligible. If you pany, you are given a certain percentage employee slips on the stairs or their chair have an alarm system that reports to a cen- discount on both. the percentage discounts breaks? While those are both unlikely, they tral station (a company such as Brinks or vary among companies, so it’s best to shop are possible and the less risky your business, ADT), in some cases, you can get up to a around. the cheaper the insurance will be. 10% discount. If you are over 50 and care to www.pekininsurance.com can help ensure These insurance plans admit it, you may be eligible for a discount. Review Your Policies that you are prepared to face any eventuality Companies have different names for age Call your agent and review your ho- that might occur while you are running your preference policies, from senior discount to meowner policy at least every three years.www.pekininsurance.comaccidents, and criown business. Disasters, mature policyholder discount. Needs change, markets change and cover- ses can strike at any time. By preparing now, The most common discount is the multi- A2010-3 ages change. You should stay up-to-date you may be 2 Col. you and your company Life saving x 6” www.pekininsurance.com policy discount. This will save you money on your insurance because you never know significant financial loss, wasted time, and on your home and auto insurance. By com- A2010-3 will need to rely on it. when you Life difficulty. 2 Col. x 6” buying insurance may not be your first priority, but you cannot afford to ignore it either. When the unexpected happens -- and it will -- having insurance coverage may mean the difference between the success and failure of your home-based business. You may not require all types of insurance listed here, but taking some time now to consider your insurance needs can save you money and headaches in the future. Ultimately, after reading this article, the best way to determine your complete needs is to consult with your insurance agent. Explain to them the details of your home-based business and he or she should be able to determine the best insurance coverage for you (and any employees). Health Insurance Health insurance should be the first consideration for yourself and any employees you may have. If you have just left your current job to start your own business, you may be eligible for COBRA, which will provide temporary interim coverage. This will keep you covered while you search for the best health insurance policy. Disability Insurance Disability insurance will guarantee that you have some income should you suddenly become unable to work because of injury or illness. Having this extra peace of mind is almost always well worth the extra money you

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Agency Name Agency Name Address Address Agency Name Phone Phone Address Phone

Hickey-Morris Agency Name Insurance Agency Name Address Agency, Inc.

Life is full of changes and challenges. The right life insurance coverage can help you of changes and challenges. Life is fullplan ahead for whatever may happen, life expected and unexpected. The rightbothinsurance coverage can Call you plan ahead Pekin InsuranceTM helpor visit your localfor whatever may Life is about expected and unexpected. Agent full of changes range of life happen, boththe wideand challenges. The right life insurance coverage can TM insurance products that will be your life Call or visit your local Pekin Insurance help you planthe wide range of lifemay preserver for ahead for whatever you Agent about whatever stage happen, both expected and unexpected. are in. Universal Life, Term Life, your life insurance products that will be Preferred TM Call or Life, Single Pay Child Life, Annuities Whole visit your local Pekin Insurance preserver for whatever stage of life you Agent more will Life, Term Life, Preferred ... and Universal wide range of are in. about thego Beyond the life insuranceTMSingle Pay Child Life, yourones. expected products and will loved life Whole Life, for you that yourbe Annuities preserver for whatever stage of ... and more will go Beyond the life you are in. Universalyou and your loved ones. expectedTM for Life, Term Life, Preferred Whole Life, Single Pay Child Life, Annuities ... and more will go Beyond the expectedTM for you and your loved ones.

Address 452 E. Second St. Name P.O. Agency45833-006969 Phone Box Delphos, OH Phone: 419-692-5876 Phone Address 1-800-686-4091 Fax: 419-695-0897 Email:hickmor@woh.rr.com Phone www.hickeymorris.com
Dennis R. Hickey Daniel L. Morris

www.pekininsurance.com www.pekininsurance.com

Gilden Insurance Agency
403 North Main Street 217 N. Market Street Delphos, Ohio 45833 Van Wert, Ohio 45891 Phone 419-695-4656 or Phone 419-238-6580 1-800-234-9899 email: gildenj@nationwide.com On Your Side® NATIONWIDE INSURANCE
Nationwide Mutual Insurance Company and Affiliated Companies Home Office: Columbus, OH 43215-2220 MISC22 11/00

A2010-3 We’re On Your Side!

Life 2 Col. x 6”

INSURANCE & INVESTMENT
Donald E. Wiechart, General Agent
560 N. St. Marys Road Spencerville, OH 45887 e-mail: dwiechart@watchtv.net

CANAL CITIES

A2010-4 www.pekininsurance.com Life A2010-4 1 Col. x 6” Life A2010-4 1 Col. x 6” Life 1 Col. x 6”

Bus. Ph. (419) 647-6906 Toll Free (800) 265-8891 Fax (419) 647-4617

Securities Offered Through Investment Network, Inc. Member FINRA, SIPC, MSRB. 484 S. Miller Road, STE 101, Fairlawn, OH 44333-4176 (330)564-0568 • FAX (330)564-0567

8 — The Delphos Herald Insurance Guide

March 2012

YOUR HEALTHCARE PARTNER SINCE 1934

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614 N. Perry, St. Rt. 65 • P.O. Box 364 115 N. Main St. 614 N. Perry, St. Rt. 65 • P.O. Box 364 115 N. Main St. Ottawa, Rt. rry, St. Rt. 65 • Perry, St. 3646545875 Box 364 65 • P.O. Main364Fax: 419-358-0046 115 N. Main St. 614 N. P.O. Box OhioN. P.O. 614 • 419-523-0045 115 N. Ohio 45817 1-800-686-4500 Fax:Perry, St. Rt. 115 N. Box St.Bluffton,Ohio 45817 Ottawa, Ohio 45875 Bluffton, Main St. 1-800-686-4500 Fax: 419-523-0045 45875Ohio 45817 419-358-0046 Fax: Ottawa, Ohio 45875 Bluffton, Ottawa, Ohio 45875 Ottawa, Ohio Bluffton, Ohio 45817 Bluffton, Ohio 4581

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Services Services
Kathy Green Catherine Fortman John Fortman Kathy Green Catherine Fortman John Fortman Amy Baker Jonathan Fortman Pam Eickholt Laurie Basinger Sam Brauen Zack Fortman Branden Fortman Dale Metzger Amy Baker Jonathan Fortman Pam Eickholt Laurie Basinger Sam Brauen Zack Fortman Branden Fortman Dale Metzger

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