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Our Promise to You

When it comes to your family’s future, protection shouldn’t be a luxury.

Farmers & Ranchers County Services brings reliable, affordable insurance options to our communities. We understand the unique challenges that come with rural living, from limited access to healthcare to financial uncertainty during times of illness or loss. We’re here to help bridge that gap with straightforward coverage you can trust.

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Our Coverage Options

From sudden health events to long-term care and final expenses, our insurance plans are designed to provide security, flexibility, and peace of mind. Explore coverage options built to help you stay prepared for the unexpected.

Cancer, Heart Attack, Stroke and Accident

When you're facing a serious diagnosis like cancer, stroke, or heart attack – or recovering from an unexpected injury – the last thing you should have to worry about is your finances. CHASA Insurance from Farmers & Ranchers County Services provides cash benefits that help lighten the financial burden so you can focus on healing, not hospital bills.

Cancer, Heart Attack, Stroke and Accident

Nursing Home and Home Healthcare

Whether it’s a temporary recovery period or a long-term health issue, the cost of care can quickly add up. Farmers & Ranchers County Services offers Nursing Home and Home Healthcare Insurance to help ease that financial burden. These policies provide direct cash benefits to help cover the cost of professional care, so that you don’t have to dip into your savings or retirement funds.

Nursing Home and Home Healthcare

Life Insurance

Life insurance is one of the most important financial tools you can have in place. Whether you’re looking to cover final expenses or secure your family’s home and lifestyle, Farmers & Ranchers County Services offers affordable life insurance options designed to provide peace of mind when it matters most.

Life Insurance

Companies We Work With

gerber life insurance company
corebridge financial
americo financial life and annuity insurance company
gtl guarantee trust life
aig
washington national
mutual of omaha
aflac
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Testimonials

Hear it from the heart: Read what our tenants have to say in their own words.

When we first took out our cancer policy, we really hoped we'd never need to use it and only take advantage of the return of premium feature. I never had much family history but quickly discovered that it does not make a difference when dealing with cancer. After a routine dentist visit, my dentist discovered something that didn't look right. After a few days of antibiotics, it appeared that something might be more serious, and I was sent to a specialist. My local physician diagnosed it as cancer but urged me to go to Mayo Clinic in Rochester. It was serious and within a week I had two surgeries and began weeks of daily treatment, Monday through Friday, with radiation therapy. Although we carried what is considered one of the best health insurance providers in Iowa, I quickly discovered all the out-of-pocket non-medical expenses. Our lodging bill in Rochester alone was almost $40,000. that in addition to deductibles, copayments, travel back-and-forth, including follow-up checkups with additional travel and unapproved non-medical bills can really add up. Our cancer policy provided tremendous financial support in our time of need. Instead of focusing on the stress of the expenses, I was able to focus on recovery and healing. The company paid claims quickly and I don't know what we would've done without them. I would highly recommend everyone not to wait and to take advantage of a cancer policy as we just never know what tomorrow brings.

Mishelle E.

My husband was diagnosed with Stage 4 Esophageal cancer and lived for 26 months after his diagnosis. Our heart, stroke & cancer policy was a true blessing to have. It paid us for MRI's Scans and cancer treatments. In those 26 months we received somewhere around 100,000. I would highly recommend this policy to anyone.

Trish K

We purchased a cancer, heart and stroke plan many years ago. I never thought I would end up with cancer and my wife's cancer returned after 22 years. The money we received allowed us to stay in a hotel versus driving back-and-forth for treatments. We also used for in-home healthcare and long-term care for my wife. We were paid $200,000 plus and would have been BROKE if we had not had all this coverage. Great company and payments were always on time. Thank you!

Leo O.

Interested in Making a Difference?

Join a team committed to service, integrity, and helping families plan for the future. Contact us to learn about current openings at Farmers & Ranchers County Services.

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Get the Coverage You Need

Let’s talk about a policy that fits your life and your budget. Reach out to Farmers & Ranchers County Services for a personalized quote.

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