Rebecca's Homeowners Manual

Boatowners Insurance

You worked hard for your boat. That’s Physical Damage
why it deserves the right protection.
Whatever type of watercraft you own — from personal
Spending time on the water is a great way to get watercraft to larger cruisers — our Boatowners Policy covers
away from it all. At State Farm®, we get it. That’s your boat and commonly used boat equipment such as:
why we’re here to help you cruise worry-free with
boat insurance that protects you and your boat. • Life preservers  • Oars
Whether you’re enjoying your boat on the water, • Extra fuel tanks  • Motors
or storing it on land, our Boatowners Policy can • Detachable canopies  • Tools
help protect what you work hard for. In addition to • Electric trolling motors  • Trailer
providing coverage for your boat, its motor and the • Skis and their tow ropes • Anchors
trailer, our insurance also offers protection from • D inghies to service  • Seat cushions
covered liability lawsuits and medical payments.
your watercraft
Boat Liability Insurance Coverage
Additional Coverage
Watercraft Liability coverage covers your legal
liability for bodily injury and property damage up Our Boatowners Policy doesn’t stop with coverage to
to the policy limits for covered accidents resulting from your boat and its equipment. The policy also includes
the ownership, maintenance or use of your watercraft. these additional coverages:
It may also cover your legal defense.
Watercraft Medical Payments coverage may pay Newly acquired watercraft: An existing State Farm
medical expenses up to the applicable coverage Boatowners Policy will pay for covered damages to a
limit for you, family members who live with you and newly acquired boat, provided you tell us about the
other occupants of the boat injured by a covered new boat within 30 days after it is delivered to you
accident resulting from the ownership, maintenance and pay any premium due.
or use of your watercraft.
Reasonable repairs: Pays for reasonable repair costs
necessary to protect your boat or its equipment from
further damage when damage has been caused by a
Loss Insured.

Boatowners Insurance

Emergency service: Pays up to $500 for reasonable It’s smooth sailing ahead with State Farm.
costs that result from emergency service to your boat,
motor or boat trailer. • S tate Farm has one of the nation’s largest claim networks,
Wreck removal: Pays reasonable expenses caused by so we can help you get back on the water quickly.
any attempted or actual raising, removal or destruction
of the wreck of your boat. The maximum coverage which • Y our State Farm agent is here to help you with your
applies to wreck removal is the cost of total damage of the financial needs not only when buying a boat, but
boat plus wreck removal cost up to an additional 5% above also as your life changes, from starting a family,
Policy A limits. To qualify for payment, the wreck must be to buying a home, to planning for retirement.
caused by damage that is covered by the policy, and removal
or destruction of the wreck must be required by law. • Getting in touch is easy. Just stop by an
office, call or visit statefarm.com®.
What’s not covered?

There are some kinds of damage that are not
covered by our Boatowners Policy. For example:

• Normal wear and tear, such as rust and
corrosion, mold, or wet or dry rot

• Damage caused by birds, vermin, rodents,
insects or domestic animals

• Mechanical breakdown or an already
existing physical defect

• Damage caused by freezing, thawing
or pressure of water or ice

• Damage caused by repair, renovation, servicing or
maintenance. However, fire or explosion resulting
from any of these is covered. Coverage applies only
to the portion of the loss caused by fire or explosion

• Damage that takes place while your boat is
participating in any official race or speed
test (except for sailboat racing)

This is only a general description of the coverages and is not a statement of contract. All coverages are subject
to the terms, provisions, exclusions and conditions of the policy, and any endorsements.
Details of coverage or limits vary in some states.
Each State Farm insurer has sole financial responsibility for its own products.
State Farm Fire and Casualty Company
State Farm General Insurance Company
Bloomington, IL
State Farm Florida Insurance Company
Winter Haven, FL

SMF-50003.8 10-2017 statefarm.com®

Recreational Vehicle Insurance

Take in the great outdoors.
And take along insurance protection
you can count on.

You know that rush of freedom you can only get outdoors. Maybe you’re taking on the
trails in your ATV or zipping around your favorite course in your golf cart. At State Farm®,
we understand your passion. And whether your recreational vehicle is an off-road vehicle,
a snowmobile or a travel trailer, we’ve got you covered.

We’re here to help life go right.® So our State Farm Recreational must be initially treated within one year after the accident.
Vehicle Insurance is designed with your needs in mind. If the The medical expenses must be reasonable and necessary,
unexpected strikes, we’ve got the financial strength, efficient and the medical services must be furnished within three
claims service and years of experience to provide the help you years after the accident. The most we will pay for funeral
need. And the premium may be less than you might think. expenses is the lower of your limit or $3,000.

Recreational Vehicle Insurance basic facts Uninsured Motor Vehicle Coverage – If available in
your state, pays for damages arising out of a recreational
Coverages available under our recreational vehicle vehicle accident caused by another person who has no
insurance include: liability insurance.
Liability Coverage – Pays for damages due to bodily injury
and property damage to others for which you are legally Underinsured Motor Vehicle Coverage – If available in your
responsible. The bodily injury or property damage must arise state, pays for damages arising out of a recreational vehicle
from an accident involving a vehicle insured under the policy. accident caused by another person who is insured but is
If you are sued, coverage is available for your defense and considered “underinsured” in your state.
court costs. Medical expenses, pain and suffering, and lost
wages are some examples of bodily injury damages to others Physical Damage Coverage – Pays for either the repairs
that may be payable. Property damage to others includes to or the Actual Cash Value of your recreational vehicle and
damage to property and loss of its use. its equipment if damaged in an accident. For an additional
premium, we’ll also cover a trailer used to carry your off-
Medical Payments Coverage – Pays for medical and road vehicle.
funeral expenses for bodily injury sustained by a covered
person in a recreational vehicle accident. The bodily injury

Recreational Vehicle Insurance

• You could be eligible for a variety of discounts – With
our competitive rates, you may end up with some of
the lowest possible premiums.

Vehicles covered under this insurance may include: Get the keys to great coverage with State Farm

• All-Terrain Vehicles • Minibikes You count on your recreational vehicle to keep the good times
• Camping/Travel Traile rs • Snowmobiles rolling. Why not protect it with coverage that also brings you
• Dune Buggies • Trail Bikes a great value? For over 95 years, we’ve been listening and
• Golf Carts • Utility Terrain Vehicles responding to customers like you. And today, we bring you a
level of service you won’t find anywhere else.
There’s more to like about this insurance • State Farm has one of the largest networks of claims

When you insure your recreational vehicle with State Farm representatives in the United States, so we can get you
you’ll also get: back on your recreational vehicle quickly.
• Helpful service, all day, every day – Whatever you • When your life changes, we’re here. Let a State Farm
agent help you manage your changing insurance and
need, whenever you need it, we’re here for you. You’ll financial needs, from starting a family to buying a home
always have access to your account and knowledgeable or planning for retirement.
assistance. • You may also have some treasured possessions that
• F inancial strength and integrity – State Farm is you take along on your outdoor adventures. Adding a
one of the most financially stable insurers in North State Farm Personal Articles Policy is a great way to
America. Our customers know we’ll be there for the protect valuables like cameras and expensive sporting
long haul. Independent rating agencies, like A.M. Best equipment, usually without a deductible.
and Standard & Poor’s, consistently cite State Farm for • We make getting in touch easy. Just walk into an office,
financial strength and claims-paying ability. call or reach out via our State Farm mobile app or at
statefarm.com.®

Talk to a State Farm agent, and find out what we can do for
you. You’ll see why so many recreational vehicles are insured
by State Farm.

This document contains only a general description of coverages and is not a statement
of contract. All coverages are subject to all policy provisions and applicable endorsements.
Coverages and their availability may vary by state or province. For further information,
please see or call a State Farm agent.
Each State Farm insurer has sole financial responsibility for its own products.
State Farm Mutual Automobile Insurance Company
State Farm Indemnity Company
State Farm Fire and Casualty Company
State Farm General Insurance Company
Bloomington, IL
State Farm Florida Insurance Company
Winter Haven, FL

SMA-40012.4 09-2017 statefarm.com®

Jim Rollo Insurance and Financial Services, Inc.

COVERAGE MENU

Name:

Vehicle: __________________________________

ASSET PROTECTION INJURY PROTECTION

Bodily Injury Property Damage PIP Additional PIP

□ 25/50 □ 10 □ $50,000 □ Q1 Out of state
□ $75,000 □ Q2 $50,000
□ 50/100 □ 25 □ $50,000 w/ ded □ Q3 $100,000
□ $75,000 w/ ded
□ 100/200 □ 50

□ 100/300 □ 100

□ 300/300 □ 250

□ 250/500 □ 300 HEALTH INSURANCE YES NO
YES NO
□ 500/500 □ 500 Company
Deductible
□ 1M/1M □ 1M
SHORT-TERM DISABILITY
Coverage > Net Worth
> Monthly Benefit

VEHICLE PROTECTION PAYCHECK PROTECTION

Comprehensive Collision Uninsured Motorist AD&D
$100 5,000
□ $100 □ $200 □ 25/50 □ 10,000
□ $200 □ $250
□ $250 □ $500 □ 50/100 □
□ $500 □ $1,000
□ $1,000 □ $2,000 □ 100/200
□ $2,000 □ NONE
□ NONE □ □ 100/300

□ 250/500

VEHICLE FINANCING YES NO LONG-TERM DISABILITY YES NO
YES NO
Monthly Payment YES NO Company
Length of Loan Benefit

Gap Insurance LIFE INSURANCE

Company
Type

Benefit

ADDITIONAL COVERAGE

Agent has explained available auto Car Rental ERS
insurance coverage and coverage Yes
selected above haS been chosen by □ 20/400 □ No
the above named policyholder.
□ 80%/500 □

□ 80%/1000

Acceptance: Date (Agent's Signature) Date
(Customer's Signature)

Here to help life go right.™

Wish all days
could be this good.

Even on a great day, accidents can happen and turn into a liability
claim. Let’s talk about how the addition of a Personal Liability
Umbrella Policy may help protect your assets and financial future,
just in case.

State Farm Fire and Casualty Company
State Farm General Insurance Company
Bloomington, IL
State Farm Florida Insurance Company
Winter Haven, FL
SMF-50027.3 12-2016 statefarm.com®

Payoff Protector®

Avoid making
car payments after
a total loss.

You expect your auto insurance to cover your car after a Any vehicle financed with
fender bender. But what happens if you suffer a total loss? a State Farm Bank loan is
You may find that you’ll only receive the value of the vehicle covered by Payoff Protector.
at the time of the theft or collision. This amount may be less
than the amount still outstanding on your loan balance. With
most car loans, that could leave you on the hook for payments
on a car you no longer have.
When you finance your car with State Farm Bank®,
the difference is Payoff Protector.
Exclusively from State Farm Bank, Payoff Protector provides
you with financial protection should you incur a total loss to
the vehicle (as determined by your insurer) and the insurance
settlement amount does not cover the remaining unpaid
principal balance due on your loan.1
Finding a way to save you money by turning a total loss into a
win is how we’re working to help life go right.

Payoff Protector

Here’s how it works. Why pay extra for Guaranteed Auto
Protection (GAP) Insurance?
This hypothetical example assumes that a loss happened
at the two-year mark. The borrower would have owed the When financing through a dealership, customers who want
remaining unpaid principal balance of $3,000 if the loan GAP insurance often have to request it and then frequently
hadn’t included Payoff Protector. pay extra for it. But Payoff Protector is automatically included
with every State Farm Bank vehicle loan.
Loan term 5 years Consider refinancing so you can take advantage of
Loan amount $25,000 Payoff Protector.
Loss occurs 2 years If you currently have a car loan through a dealer or another
Unpaid principal loan balance at time of loss $16,000 bank, not only could you save money with the competitive
Insurance settlement (actual cash value of vehicle) $13,000 rates offered by State Farm Bank, you may be able to
Principal balance owed $3,000 eliminate the cost of your monthly GAP payments, too.2
Payoff Protector benefit $3,000 You may qualify for a refund.
Actual out-of-pocket expense $0 If you purchased GAP coverage from another lender, you
may be able to receive a refund when you refinance with
Please Note: This example is for illustrative and educational purposes only. State Farm Bank.2
Its accuracy and applicability to your circumstances are not guaranteed. Enjoy Payoff Protector even if you don’t have an
Please consult with a qualified professional to discuss your specific situation. auto insurance policy through State Farm®.
No matter what insurer you choose for your insurance
Payoff Protector covers any coverage, Payoff Protector will be included in your vehicle loan.
vehicle you finance — auto, A lot of coverage, without a lot of limitations.1
SUV, light truck, motorcycle, There are no limitations on the amount financed or the loan
RV or boat. term/mileage, and no coverage limits per household.1

1 Payoff Protector is not an insurance product. Subject to the terms, conditions, State Farm Bank, F.S.B., Bloomington, Illinois (“Bank”), is a Member FDIC
and restrictions of the Payoff Protector provision in your State Farm Bank and Equal Housing Lender. NMLS ID 139716. The other products offered by
Promissory Note and Security Agreement. If your vehicle is determined to affiliate companies of State Farm Bank are not FDIC insured, not a State
be a total loss before the loan is paid off, State Farm Bank will cancel the Farm Bank obligation or guaranteed by State Farm Bank, and may be
difference between the insurance payout and the unpaid principal balance subject to investment risk, including possible loss of principal invested.
due on the loan. Certain restrictions apply. For example, your loan must be The Bank encourages any interested individual(s) to submit an application
in good standing. for any product(s) offered by the Bank. We also encourage you to obtain
2 Consult your GAP contract for specific information concerning cancellation information regarding the Bank’s underwriting standards for each type of
and refund conditions or limitations. credit or service offered by visiting statefarm.com® or by contacting the Bank
at 877-SF4-BANK (877-734-2265). If you are deaf, hard of hearing, or do not
use your voice to communicate, you may contact us via 711 or other relay
services. To apply for a Bank product, you may also see your participating
State Farm agent.

State Farm Bank, F.S.B.
Bloomington, IL
SMB-30062.5 08-2018

Triangle of Protection® The purpose of this communication
is the solicitation of insurance.

Contact will be made by an insurance
agent/producer or insurance company.

Build a Triangle of Protection
to help safeguard your family.

Would you and your family be prepared if ... Triangle of Protection
• Life insurance — May be used to help pay off your
• You became totally disabled and were unable to work?
• Your home was seriously damaged? mortgage and keep your family in your home if you
• You died unexpectedly? die prematurely.
Your State Farm Mutual Automobile Insurance Company
(State Farm®) agent is here to help you prepare for the • Disability insurance — Can help you pay monthly
unexpected with a Triangle of Protection. expenses if you are unable to work due to total disability,
A Triangle of Protection provides a smart solution. as defined in the policy. We offer two options, Short Term
Your homeowners insurance policy is a great first step toward Disability Insurance with one- and three-year benefit
protecting your home and your possessions. But, it’s also periods to cover specific short-term needs and Long Term
important to protect your family’s financial future if disability Disability Insurance to help protect you until retirement.
or death occurs. • Homeowners insurance — Offers protection for
Did you know disability is the leading cause of personal damage to your home, the roof over your head and your
bankruptcies and causes nearly 50% of all mortgage belongings inside.
foreclosures?1 This may not be an issue if you have the
appropriate insurance coverage to provide funds should the
unexpected happen.
State Farm is here to help you live life fully and protect what’s
important to you and your loved ones. That’s why your State
Farm agent can help you establish a Triangle of Protection.

1 Disabled World-Insurance: Benefits, News & Claims, 2015

Triangle of Protection

You need to be prepared for the unexpected.

Your ability to earn an income is an important asset. It keeps
a roof over your head, food on your table and may help you
achieve your dreams. But, what if you weren’t able to earn
an income due to a total disability as a result of injury or
sickness? How would you and your family maintain your way
of life? Would you have a plan in place to pay for things like:
• Out-of-pocket medical expenses and deductibles
• Mortgage payments
• Daycare
• Utility bills
• Groceries
• Credit card bills
Your State Farm agent is here to help you put a plan in
place to help protect your income and your way of life if
the unexpected happens.
Establish a Triangle of Protection with State Farm.
Talk with your State Farm agent today about how you can
help safeguard your family’s future with the right amount of
protection. Your State Farm agent can put together a Triangle
of Protection for you — Life, Disability and Homeowners
insurance. It’s just another way we’re here to help life go right.™

Benefits, exclusions and limitations will apply. Please contact a State Farm Short Term Disability policy series 97066 (policy form 97066ID in ID; policy
agent/insurance producer for complete details. form 97066MT in MT)
The following policies are underwritten by State Farm Mutual Automobile Long Term Disability policy series 97064 and 97065 (policy form 97064ID
Insurance Company: and 97065ID in ID; policy form 97064MT and 97065MT in MT)

State Farm Mutual Automobile Insurance Company (Health)
State Farm Fire and Casualty Company (Homeowners)
State Farm General Insurance Company (Homeowners)
State Farm Life Insurance Company (Not Licensed in MA, NY or WI) (Life)
State Farm Life and Accident Assurance Company (Licensed in NY and WI) (Life)
Bloomington, IL
State Farm Florida Insurance Company (Homeowners)
Winter Haven, FL
SM-10020.7 05-2017 statefarm.com®

Life Insurance

Starting today, make sure
they’re covered.

Your family counts on you, and you can count on us. Life insurance isn’t just
Have you thought about what would happen to your loved ones if about the future. It’s
you couldn’t be there? Could they keep their home? Would they be also about helping life
able to pay for health insurance? Could the kids still go to college? go right today.
Would your spouse be able to enjoy a comfortable retirement?
Nothing can replace you, but life insurance can help
replace your income.
Protect your loved ones with life insurance from State Farm Life
Insurance Company or State Farm Life and Accident Assurance
Company (residents of NY & WI only). If something happened to
you, they would receive a guaranteed death benefit, and those
funds could help your family maintain their standard of living.
Whether you’re living on your own, starting a family or about to
enjoy your retirement, life insurance can play a role in your life.

Life Insurance

A closer look at life insurance.

TYPE OF INSURANCE BENEFITS

Term Life • Offers coverage for a limited period of time, or term
• Premiums stay the same for the policy term
Whole Life • Initially less expensive, temporary coverage for your choice of time periods
• You can convert to a permanent policy — no matter your health1
Universal Life • Coverage may be continued beyond the original term for an additional premium
• Lifetime coverage (as long as you pay the premiums)
• Accumulates cash value that grows tax-deferred2
• May pay dividends (though not guaranteed)
• The sooner you start, the lower the premium
• Premiums are the same every year
• The ability to take loans or make withdrawals3
• Premiums and coverage are flexible4
• Premiums (less expenses) go into an account that earns a guaranteed minimum interest rate
• Increases in account value grow tax-deferred
• The ability to take loans or make withdrawals3

Of course, coverage only lasts as long as you pay your premiums. A company you can trust with your life.
Your State Farm® agent will explain your choices.
Your agent is ready to go over your options so you can choose For over 80 years, policyholders have counted on State Farm
the type and amount of insurance that make sense for your for life insurance. Here’s why you can, too:
family, your long-term financial goals and your budget. • Major independent ratings agencies have consistently

Depending on the policy you choose, awarded State Farm with very high ratings for financial
you can have: stability and claims-paying ability
• We offer a variety of products to fit your life
• A cash value that grows tax-deferred1 and can • Your State Farm agent is ready to help life go right by
be accessed during your lifetime providing personal service

• The potential to earn dividends, although they
are not guaranteed

1 Conversion options may vary by state. Please talk with your State Farm agent. This is only a general description of coverage. A complete statement of
2 Neither State Farm nor its agents provide tax or legal advice. coverage is found in the policy.
3 Unpaid loans and withdrawals will reduce the guaranteed death benefit and Select Term-10, Select Term-20, and Select Term-30 Policy series:
policy cash value. Loans also accrue interest. 06020, 06070, A06020, A06021, and A06022.
4 Changes in policy coverage amounts are subject to policy limits. Whole Life Policy series: 11000, 11050, A11000, and A11050.
Increases are subject to underwriting and may require additional premium. Universal Life Policy series: 11030, 11080, A11030, and A11080.
Each State Farm insurer has sole financial responsibility for its own products.

State Farm Life Insurance Company (Not licensed in MA, NY or WI)
State Farm Life and Accident Assurance Company (Licensed in NY and WI)
Bloomington, IL
SML-20005.3 12-2017 statefarm.com®

Disability Insurance The purpose of this communication
is the solicitation of insurance.

Contact will be made by an insurance
agent/producer or insurance company.

Disabled and can’t work because of
sickness or injury? Get paid anyway.

What is disability insurance?

State Farm Mutual Automobile Insurance Company You could also use the money to pay for any additional
(State Farm®) disability insurance helps protect your income. expenses caused by your disability, such as health care bills
For example, if you couldn’t work because of an illness or and household maintenance (like child care and lawn care).
injury,1 a disability policy would give you funds every month Choosing the right health care coverage is an important
that could help you: decision. Fortunately, your State Farm agent/insurance
• Make your rent or mortgage loan payments. producer is here to help. For more details about any of
• Take care of utilities. these coverages, be sure to ask your agent/insurance
• Buy groceries. producer.
• Handle your car payments.
• Make your credit card payments.
• Avoid tapping into retirement and/or college savings.

Disability Insurance

Disability insurance: Myths and realities

MYTHS REALITIES

Why would I ever need disability insurance? Your risk of becoming disabled might be higher than you think. When it comes to
a 20-year old worker insured for disability benefits, more than 1-in-4 becomes
disabled before reaching retirement age.2

If I become disabled, Social Security Disability Insurance In order to receive benefits, you have to meet the government’s very strict definition
(SSDI) will cover me. of disability.2 And it can take many months to process a benefit application.2

I already have disability insurance through my employer. Your employer plan may have limited benefit amounts, deductibles and benefit periods.

Disability insurance is only for people who have a high Insurance statistics show that only 9% of long-term disabilities actually resulted from
chance of a serious injury. serious accidents.3

Choose your policy

State Farm offers three types of disability insurance. Your percent of your prior monthly earnings, a reduced benefit based
State Farm agent/insurance producer can help you choose on the degree of lost earnings is available.
the policy or policies that are right for you. • A ccidental Death and Dismemberment: Helps protect against
Long Term Disability Insurance – Pays a monthly income the loss of life or certain bodily injuries resulting from covered
directly to you when you are unable to work because of a accidents. This coverage provides financial protection for accidents
covered disability. sustained on or off the job in which accidental death, loss of sight
• You choose the length of time you must be disabled before and/or dismemberment occurs.
• S ocial Insurance Supplement Rider: Pays an additional
you start receiving benefits (your Elimination Period), and monthly benefit which is reduced by any social insurance
the length of time you would receive benefits. benefits you are entitled to receive. Social insurance benefits
• O ptions include five-year benefit period and To Age 67 include Social Security, Railroad Retirement benefits, Worker’s
benefit option. Compensation and similar governmental plans.
• M aximum monthly benefit amount of $20,000. • C ost of Living Adjustment Rider: After you have received
• C an be used in combination with disability insurance disability benefits for 12 consecutive months, this rider provides a
available through your employer up to the maximum cost of living adjustment benefit to help with inflation.
participation limit. • Additional Protection Benefit: If your coverage needs change
• If you need to prepare for a different occupation due to your over time, you may have the option to purchase more coverage
disability, the policy may pay expenses for a vocational or on or after your second policy anniversary with an abbreviated
educational program. application process that does not include a medical evaluation.
• I f you satisfy your Elimination Period or 90 days of your Short Term Disability Insurance5 – Provides funds to help with
Elimination Period (whichever is earlier), State Farm will monthly expenses, rent, mortgage, utilities, etc.
pay your premiums for you. Premiums will be paid for you • Options include one- and three-year benefit periods.
until your disability ends or the maximum benefit period is • Maximum monthly benefit amount of $3,000.
reached (again, whichever is earlier). • If you become disabled and your Elimination Period is satisfied,
When you choose a Disability Insurance policy, you could add State Farm will pay your premiums for as long as you remain
even more benefits to your coverage:4 disabled, up to the end of your benefit period.
• F ive-Year Regular Occupation Extension Rider: Individual Credit Disability Insurance – Provides funds to
For the first five years of disability, benefits will be help you make your loan payments, such as an auto loan or other
considered based on the insured’s own occupation when installment plan, if you become totally disabled.
the disability occurred. • You’ll begin receiving monthly benefits after you are totally
• T o Age 67 Regular Occupation Extension Rider: disabled by illness or injury for more than 30 days
If disabled, benefits will be considered based on the (the waiting period).
insured’s occupation when the disability occurred and • You’re eligible for monthly benefits as long as you remain totally
payable until insured is age 67. disabled or until your loan is paid off.
• R esidual Disability Benefit: While continuing under your • Policy benefits will be sent directly to your lender(s).
physician’s care, if you are able to work at your regular • Helps protect your credit rating.
occupation or any other occupation and you experience a
loss in earnings due to your injury or sickness of at least 20

How much disability coverage do you need? $
$
For an estimate, use this Disability Needs Worksheet.
$
Step 1: Major monthly expenses $
$
First, you’ll need to figure out how much you’ll need to meet your current expenses. $
$
Mortgage loan (including property taxes) or rent payments $
Car payment(s) $
Insurance premiums $
$
Auto $
Home
Life
Health
Other
Food/Personal items
Utilities
Installment payments (student loans, credit cards, etc.)
Other (savings, retirement, etc.)
Total of Major Monthly Expenses

Step 2: Current monthly disability income available

Now, add up how much in disability benefits you might receive from your employer, and any other disability income coverage you might have.

MONTHLY AMOUNT WAITING OR ELIMINATION PERIOD LENGTH OF BENEFIT PERIOD

Individual disability benefits $ days months

Group disability benefits $ days months

Total Existing Monthly Disability Income Available $ days months

Step 3: Go figure $
$
Now take your Major Monthly Expenses (total from Step 1) $
And subtract your Existing Monthly Disability Income Available (total from Step 2)
Estimated Additional Monthly Disability Insurance Needs

PLEASE NOTE: This Disability Needs Worksheet is for illustrative purposes only, and is intended to assist you in approximating your
potential disability income insurance needs. This is in no way meant to be indicative of the actual amount of disability income insurance
that you may qualify for. The actual amount of coverage that may be issued by State Farm, in combination with other disability income
sources, is based on our Maximum Issue and Participation Limits, as well as earned income requirements.

Disability Insurance

1 In order to qualify for policy benefits, the insured must meet the definition 3 LIMRA 2015 Disability Awareness Month.
of disability set forth in the policy and must satisfy the elimination period 4 Not available in all states.
for the period of disability. 5 Not available in all states.
2 Social Security Administration Publication No. 05-10570 January 2015. For exact terms and conditions see:
Note: This is a Marketing tool intended for use in the sale of insurance. Long Term Disability policy series 97064, 97065 (policy form 97064ID and
Completion of an application for a State Farm insurance policy will require 97065ID in ID; policy form 97064MT and 97065MT in MT)
contact with a State Farm insurance agent/insurance producer. Short Term Disability policy series 97066 (policy form 97066ID in ID; policy
This brochure provides a brief, general description of the coverage provided form 97066MT in MT)
by this policy. It is not a contract and certain exclusions and limitations apply. Individual Credit Disability policy series 97021Z (policy form 97021ZID in ID;
A complete statement of the coverage provided is found only in the policy itself. policy form 97021ZMT in MT)
Policy coverages, exclusions and limitations may vary in some states.
Please contact a State Farm agent/insurance producer for complete details.

State Farm Mutual Automobile Insurance Company
Bloomington, IL
SMH-60037.4 05-2017 statefarm.com®

State Farm® Visa® Credit Cards

A better way to pay.

The right card provides the mix of interest rate and benefits that fits your life.
That’s why we offer a choice of three cards, so you can find your personal payment solution.

Do you love earning Do you sometimes carry Are you in college or
rewards? a balance? trade school?2

State Farm® State Farm® State Farm®
Rewards Visa® Good Neighbor Student Visa®
credit card Visa® credit card credit card
Earn State Farm Loyalty Rewards® A competitive Annual Percentage Start building a positive credit history.
points every time you pay with Rate (APR) can help you pay Earn State Farm Loyalty Rewards
your card, at the register, online or responsibly for what you need today. points every time you pay with your
over the phone. Personal Identity Theft benefit,* card, at the register, online or over
Earn 3 points offered by Visa at no additional the phone.
for every $1 spent on insurance charge, provides coverage up to a Earn 3 points
premium payments, up to maximum of $5,000 for costs for every $1 spent on insurance
$4,000 annually.1 incurred to restore your identity. premium payments, up to
Earn 1 point $4,000 annually.3
for every $1 spent on all other Earn 1 point
eligible purchases.1 for every $2 spent on all other
eligible purchases.3

* Benefit offered through Visa. See page 2 for details.

State Farm Visa Credit Cards

Which card will help life go right for you? STATE FARM REWARDS STATE FARM GOOD NEIGHBOR STATE FARM STUDENT
Earns State Farm Loyalty Rewards Points VISA CREDIT CARD VISA CREDIT CARD VISA CREDIT CARD
Cash Access at ATMs
Account Fraud Monitoring 3 3 3
Chip Technology 3 3 3
Zero Fraud Liability* 3 3 3
Personal Identity Theft Protection* 3 3
Auto Rental Collision Damage Waiver* 3 3 3
$250,000 Travel Accident Insurance* 3
Travel and Emergency Assistance Services* 3 3 3
Warranty Manager Service* 3 3
Visa Checkout 3 3
Visa Online Discounts 3 3 3
Online Year-End Summary Statement 3 3 3
Apple Pay 3 3 3
3 3
3

* Benefits offered through Visa. Certain terms, conditions and exclusions apply. In order for coverage to apply, you must use your Visa credit card to secure
transactions. Please call 877-SF4-VISA (877-734-8472) for additional details. If you are deaf, hard of hearing, or do not use your voice to communicate, you
may contact us via 711 or other relay services.

Make every purchase rewarding. Redeem rewards anytime.

Earn State Farm Loyalty Rewards points with every eligible Go to statefarm.com®.
purchase you make with your State Farm Rewards1 or Just log into your My Accounts page and, with a few clicks,
Student Visa credit card.3 you’ll be able to redeem.
Use our State Farm mobile app.
The State Farm Good Neighbor credit card is not included in the State Farm It lets you redeem your points directly from your smartphone.
Loyalty Rewards program. The information on this page applies only to the Need help?
State Farm Rewards and State Farm Student credit cards. You can also redeem over the phone by calling
877-SF4-VISA (877-734-8472). If you are deaf, hard of
Use your points for your priorities. hearing, or do not use your voice to communicate, you may
You have the flexibility to choose how to use the points contact us via 711 or other relay services.
you earn.
Go take care of business.
Redemption options include:
• Applying your points toward your State Farm®

insurance premium payment, or as a State Farm Visa
credit card statement credit4
• Applying points into a State Farm Bank® account4
• Using points to make a payment to your State Farm
Bank loan4
Go do some giving.
Get gift cards and e-certificates from a variety of popular
stores that participate in this rewards program.
Go somewhere fun.
Vacation away by using points for hotels, airfare and
car rentals.
Go do some good.
You can also redeem points for gift cards that can be
donated to a number of charities.

State Farm Visa Credit Cards

Look at what’s yours, just for being a Apply for the State Farm Visa credit card that
State Farm Visa credit cardholder. meets your individual needs.

Anywhere, anytime account management. To learn more about the State Farm Rewards credit card, the
Keep an eye on your money on your schedule. From Good Neighbor credit card or our Student credit card, ask your
your My Accounts page at statefarm.com, or using your agent, visit statefarm.com, or call 800-324-4946.
smartphone with our State Farm mobile app, you can:

• Check your balance
• Make a payment
• Set up Online Automatic Payments
• View account information
• View and download statements, transactions and

annual summaries
• Set up and manage alerts

Visa Online discounts.
Whether you’re dining, traveling, shopping for yourself or
looking for the perfect gift, check out these savings and
discounts – and pay with your State Farm Visa credit card.

Visa Checkout.
The fast, secure way to pay online saves your credit and
shipping information for one-click convenience. Visa Checkout
is provided by Visa, accepted by top websites and enrolling
qualifies you for special offers. State Farm Rewards and
Student Visa credit cardholders earn State Farm Loyalty
Rewards points with Visa Checkout purchases.

1 Earn 3 State Farm Loyalty Rewards points for every $1 spent on the first based on their primary line of business. Purchases without the appropriate
$4,000 of Net Eligible Insurance Premium Payments made annually. Net merchant code will affect your ability to earn points or the rate at which you
Eligible Insurance Premium Payments are insurance premium payments earn points. Earn 1 State Farm Loyalty Rewards point for every $2 spent
made on your State Farm Rewards Visa credit card minus any returns, on all other purchases. Balance transfers do not earn State Farm Loyalty
chargebacks or adjustments deducted from your points balance. The $4,000 Rewards points. Purchases through a third party payment account, digital
threshold will be counted on an annual (January-December) basis. Points wallets or similar technology may not earn State Farm Loyalty Rewards
are earned based on merchant codes that are assigned to the merchant points. Your points do not expire; however, your points may be suspended or
based on their primary line of business. Purchases without the appropriate you may lose points if your account is not in good standing or is closed.
merchant code will affect your ability to earn points or the rate at which you 4 Eligible State Farm products include deposit accounts, mortgages and
earn points. Earn 1 State Farm Loyalty Rewards point for every $1 spent consumer loans. Eligible State Farm products offered by affiliates of State
on all other purchases. Balance transfers do not earn State Farm Loyalty Farm Bank include property and casualty insurance, life insurance, annuities,
Rewards points. Purchases through a third party payment account, digital and mutual funds.
wallets or similar technology may not earn State Farm Loyalty Rewards State Farm Bank, F.S.B., Bloomington, Illinois (“Bank”), is a Member FDIC
points. Your points do not expire; however, your points may be suspended or and Equal Housing Lender. NMLS ID 139716. The other products offered by
you may lose points if your account is not in good standing or is closed. affiliate companies of State Farm Bank are not FDIC insured, not a State
2 The State Farm Student Visa card is designed for those enrolled in post- Farm Bank obligation or guaranteed by State Farm Bank, and may be
secondary educational institutions, which provide a higher level education subject to investment risk, including possible loss of principal invested.
beyond high school. Examples include colleges, universities, junior colleges, The Bank encourages any interested individual(s) to submit an application for
community colleges, trade schools, etc. any product(s) offered by the Bank. We also encourage you to obtain information
3 Earn 3 State Farm Loyalty Rewards points for every $1 spent on the first regarding the Bank’s underwriting standards for each type of credit or service
$4,000 of Net Eligible Insurance Premium Payments made annually. Net offered by visiting statefarm.com or by contacting the Bank at 877-SF4-VISA
Eligible Insurance Premium Payments are insurance premium payments (877-734-8472). If you are deaf, hard of hearing, or do not use your voice to
made on your State Farm Student Visa credit card minus any returns, communicate, you may contact us via 711 or other relay services.
chargebacks or adjustments deducted from your points balance. The $4,000 Visa is a registered trademark of Visa International Service Association.
threshold will be counted on an annual (January-December) basis. Points
are earned based on merchant codes that are assigned to the merchant

SMB-30046.5 10-2017 statefarm.com®

 

Estate Planning Quick List

Do you need to plan your estate? If you already have an estate plan, when was the last
review?

Item Yes No Last
Review

Will – Do you have a will? A will is a key estate document.

Revocable trust – Do you have or need a revocable trust? A revocable (or
“living”) trust can be used as a will substitute.

Irrevocable trust – Is an irrevocable trust need to pay estate taxes (federal
and/or state) and other settlement expenses?

How are assets owned? – Are assets appropriately “titled” to meet all
estate planning goals?

Beneficiary designations – Are beneficiary designations current for life
insurance, 401(k)s, IRAs, and other assets?

Estate settlement costs
● What has been done to reduce estate settlement costs?
● How are any remaining costs to be paid?

Estate taxes – Has estate tax planning been done? Under federal law, net
estates of less than $5,490,000 (2017) are exempt from estate tax. State law
may differ.

Providing for survivors
● Are guardians needed for minor children?
● Do you have any beneficiaries who are minors?
● Is professional asset management necessary?

If you cannot act for yourself – Do you have:
● A “Living Will?”
● A Durable power of attorney for health care?
● A Durable power of attorney for financial affairs?

Is there a letter of instructions? – A private, informal way of guiding your
family or executor in settling your estate.

Do you wish to leave an “ethical will?” – An ethical will is a spiritual legacy
to future generations.

Seek Professional Guidance

The guidance of a trained, experienced attorney is considered essential in the development of
a successful estate plan. Professionals from other disciplines such as income tax, life
insurance, trust administration, charitable giving, and investment management may also be
part of your estate planning “team.”

Presented  by  Jim  Rollo

 

Important Notice

This report is intended to serve as a basis for further discussion with your professional
advisors. Although great effort has been taken to provide accurate numbers and
explanations, the information in this report should not be relied upon for preparing tax
returns or making investment decisions. Assumed rates of return are not in any way to be
taken as guaranteed projections of actual returns from any recommended investment
opportunity.

The actual application of some of these concepts may be the practice of law and is the proper
responsibility of your attorney. This document may provide a summary of the law, but is not
intended to be legal advice of the rights and/or duties created by the law. The laws and/or
regulations may be amended or changed, which would make the information in this
summary outdated. Finally, there may be some exceptions or state variations.

Neither State Farm nor its agents provide tax or legal advice. You should contact your own tax
or legal advisor for advice regarding your personal circumstances.

These materials were reproduced with the permission of Advisys, Inc. No State Farm entity
prepared these materials nor does State Farm represent or warranty the opinions or
statements expressed therein. These materials are being provided for information purposes
only.

To the extent the attached Back Room Technician report(s) reference third-party websites,
please be aware these websites are not endorsed by State Farm. Please refer to these sites at
your own risk.

This report is provided by one or more of the following State Farm entities:

State Farm Mutual Automobile Insurance Company, State Farm Indemnity Company, State
Farm Fire and Casualty Company, State Farm General Insurance Company – Bloomington, IL

State Farm Florida Insurance Company – Winter Haven, FL
State Farm Lloyds –Dallas, TX
State Farm Life Insurance Company (not licensed in MA, NY or WI)
State Farm Life & Accident Assurance (licensed in NY & WI)
Home Offices: Bloomington, IL

State Farm Bank, F.S.B

Presented  by  Jim  Rollo

Estate Planning Tom Rizzuto

It’s important to 607-748-7351
work with a
[email protected]
professional when 101 Jefferson Ave Ste 1
talking about your Endicott, NY 13760-5225

Estate Plan. v
For your
Karen McMullen
convenience,
we took the liberty 607-584-5740

of listing local [email protected]
attorneys who Levene Gouldin & Thompson, LLP
specialize in
Estate Planning. 450 Plaza Drive
Vestal, NY 13850

v

Jon Sarra

607-231-6788

[email protected]
Hinman, Howard & Kattell
700 Security Mutual Building

80 Exchange Street
Binghamton, NY 13901

v

Beth Westfall

607-821-2202

Coughlin & Gerhart, LLP
99 Corporate Drive

Binghamton, NY 13904

MY SERVICE PROVIDERS

PLUMBING

• PHONE:
• CONTACT:

HVAC

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• CONTACT:

ELECTRICAL

• PHONE:
• CONTACT:

CARPENTER

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• CONTACT:

PAINTER

• PHONE:
• CONTACT:

LANDSCAPING/
SNOW REMOVAL
• PHONE:
• CONTACT:

JIJMIMRROOLLLLOOIINNSSUURRAANNCCEE AANNDDFFININAANNCCIAIAL LSESREVRIVCIECSE, SIN, CIN.C.

3130 WATSON3B1L3V0DW, AETNSDOWN EBLVL,DN, EYN1D3W76E0LL•, NJYIM1@37J6IM0 •RO60L7L-O75.4C-3O0M00• 607-754-3000
1332 UPPER FRONT ST., SUITE 4, BINGHAMTON, NY 13901 • 607-238-1355
[email protected]

Home Appliance, Equipment & Warranty List

ROOM APPLIANCE/EQUIPMENT MODEL/MAKE PURCHASED SERIAL NUMBER WARRANTY

Kitchen Refrigerator M Yes M No

Stove M Yes M No

Oven M Yes M No

Microwave M Yes M No

Dishwasher M Yes M No

M Yes M No

M Yes M No

Laundry Washer M Yes M No

Dryer M Yes M No

M Yes M No

M Yes M No

Living/Family Room TV M Yes M No

Sound System M Yes M No

DVD Player M Yes M No

M Yes M No

Media Room TV M Yes M No

Sound System M Yes M No

M Yes M No

M Yes M No

M Yes M No

Whole Home Furnace M Yes M No

Water Heater M Yes M No

Air Conditioner M Yes M No

Water Softener M Yes M No

Air Filtration M Yes M No

Water Cooler M Yes M No

Humidifier M Yes M No

M Yes M No

Miscellaneous M Yes M No

M Yes M No

M Yes M No

Home Maintenance Checklist

A simple checklist

To help you protect your greatest investment

While other insurance companies just see a house, we see Doors and windows
something you’ve worked really hard for. So why not give it
the protection it deserves. Regular maintenance may add Replace caulk and weather stripping that has
years to the life of your home and help avoid any issue that lost contact with surfaces.
could come up. Add deadbolt locks to all your exterior doors
Here are some important things to check for: (use Grade 1 deadbolts). Use a heavy metal strike
plate with three-inch screws with all deadbolt locks.
Exterior of your house Check all windows for proper operation (consider also
adding window locks).
H ave your roof inspected by a professional roofing
contractor every few years. Outside walls and framing
E nsure the flashing around the vents and chimney is secure.
Keep gutters cleaned each season, properly aligned and C heck soffits, siding, brick walls, trim and flashing for
secured to your home. any damage.
M ake sure your lot is graded so water drains away from Inspect for termite damage or other signs of insects
your foundation and downspouts direct water away from or rodents.
your house.

Home Maintenance Checklist Landscaping, walks and porches

Smoke and carbon monoxide detectors Check for loose handrails, bannisters and stairs coverings.
Repair buckled or cracked walls.
C hange the batteries once a year. Mulch and earth should be kept eight inches below siding.
Replace unit when directed by the manufacturer.
Maintenance checks keep you ahead
Foundations and basements
The brief checklist here will help you take preventative steps
L ook for signs of settling (wall should not be bulging to ensure the longevity of your home. You could save your
or shifting or have cracks greater than 1/8 inch wide). home from potential damage, spare yourself costly repairs
Check basement and crawl space for dampness and even keep insurance premiums lower. For additional
or leakage. home maintenance tips, visit statefarm.com®.
Test your sump pump prior to every wet season.

Plumbing

L ook around and under appliances and fixtures
for leaks or signs of wear.
C heck for possible faulty shutoff valves at all
fixtures and the main water line.
Insulate exposed water pipes (or relocate).
C onsider an automatic water shutoff system.
Replace washing machine hoses every three to five
years as part of a proactive maintenance program.
Check refrigerator/freezer and dishwasher water lines.
C heck water heater condition (wet spots on ground
near tank and rusted tank are some signs to watch
out for). Most water heaters only last 8 to 12 years.

Electrical and mechanical systems

H ave professionals check heating and cooling units
every few years.
Clean air ducts once a year.
Have an electrician inspect your electrical system
every few years.
E nsure sensitive electronics are connected into a
UL-listed surge protector.
Clean out clothes dryer duct and damper every
few months.

The information in this material was obtained from various sources. We believe herein. The information contained herein does not affect any policy contract.
it to be reliable and accurate; however, we do not warrant the accuracy or We assume no liability in connection with either the information contained in
reliability of the information contained herein. We do not endorse, recommend this material or the loss control suggestions made. Moreover, we caution that
or guarantee any products. The information provided is not intended to replace not every acceptable loss control procedure is contained in this material. When
any manuals or other instructions provided by the manufacturer. Further, appropriate, you should consult a licensed qualified professional to perform
State Farm® makes no guarantees of results from use of information contained various loss control measures.

State Farm Fire and Casualty Company
State Farm General Insurance Company
Bloomington, IL
State Farm Florida Insurance Company
Winter Haven, FL
State Farm Lloyds
Richardson, TX
CI-10105.4 3-2018 statefarm.com®

Water Loss Prevention Checklist

ITEMS TO INSPECT WHAT TO LOOK FOR

Toilets and sink hoses Make sure water shutoff valve is working. Check for cracks on toile
signs of wear, bulges or bubbles in the hose and leaky connection

Icemakers, refrigerators and Check lines for wear or leaky connections. Make sure flexible line
dishwashers are not crimped or bent by weight of appliance.
Water filters, water softeners, Look for signs of water leakage around tanks and connections.
reverse osmosis systems
Plumbing supply lines and Make sure all fixtures have shutoff valves and are properly workin
water shutoff valves Mark location of emergency shutoff valve.
Water heaters Check exterior for moisture or signs of water leakage, drip pan an
water connections for wear and possible leakage.
Showers and tubs Repair cracks in tile, check shower pan for mold, look for soft area
and/or buckling of walls. Check for proper caulking in joints and s
Roof Make visual ground observation for loose, missing or worn shingle

Clothes washer Make sure water shutoff valves are working. Check supply hoses f
signs of wear, bulges or bubbles in the hose and leaky connection

Exterior hoses Disconnect hoses from exterior faucets.

This does not form part of your insurance contract and is not a requirement or obligation. Coverage under any St
exclusions in the actual policy. This is only a recommended checklist designed by your Good Neighbor State Farm
damages in the home and does not contain all possible suggestions. This does not replace consulting with a qua
State Farm Fire and Casualty Company
State Farm General Insurance Company
Bloomington, IL
State Farm Florida Insurance Company
Winter Haven, FL
State Farm Lloyds
Richardson, TX
CI-10123.4 05-2018 statefarm.com®

HOW OFTEN TO INSPECT DATES INSPECTED FOR 20

et, Monthy JAN FEB MAR APR MAY JUNE
ns.

JULY AUG SEPT OCT NOV DEC

s Twice per year DATE DATE
Twice per year
ng. Twice per year DATE DATE
nd Twice per year
as Twice per year DATE DATE
seams. Annually
es. Annually DATE DATE
for
ns. (Replace supply hoses every DATE DATE
3 to 5 years as part of a proactive
maintenance program.) DATE

Annually DATE

(in the fall, before freezing DATE
temperatures begin)

tate Farm® product is subject to terms, conditions and
m agent to help valued clients prevent or reduce costly
alified professional when it is appropriate.