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E-Newsletters: News for Farmers Issue #109: May 1, 2008 The articles appearing in the News for Farmers E-Newsletter are focused on information of interest to all involved in agriculture and farming. A tractor is not the place for quality time Permanent protection in an uncertain world Know what to do, where to go when severe weather strikes Our small-business retirement plans are designed to meet your needs Ask your Farm Bureau Insurance agent about... Estate and Retirement Planning News Related Links Other E-Newsletters E-Newsletter Subscription A tractor is not the place for quality time Tractors are designed for just one person. Adding another, especially a child, greatly increases the risk of injury or even death. Across the U.S., tractors are responsible for 41 percent of the accidental farm deaths of children under age 15--yet 4 out of 5 farm children regularly ride tractors with family members. In many rural areas, having children ride on the tractor with parents or grandparents is considered part of the family tradition, or even quality time. But it takes just a few seconds for a child to fall off of or under a tractor, and a few moments of companionship aren’t worth that risk. While riding the tractor may be a family tradition, it’s easier to bury a tradition than a child. Permanent protection in an uncertain world Permanent life insurance means lifelong protection and cash values you can borrow against. You can build your family’s future on it. Call your Farm Bureau Insurance agent to find out more. Know what to do, where to go when severe weather strikes Michigan experienced a long and severe tornado season in 2007, with 22 tornadoes--well above the state’s average of 16--causing four deaths, 11 injuries, and more than $150 million in damages. The Michigan Committee for Severe Weather Awareness stresses the importance of being prepared for storm dangers--and offers this advice: Plan ahead. Be sure everyone in your household knows where to go and what to do in case of severe weather at home, in the workplace, or at school. Immediately seek the nearest shelter if caught outside when a thunderstorm approaches. If a tornado warning is issued for your county or if you feel threatened by a storm, go to the basement and get under something sturdy. If no basement is available, go to an interior part of the building on the lowest level. A good rule of thumb is to put as many walls between you and the tornado as possible. Listen to NOAA Weather Radio All Hazards or local radio, TV, and cable stations for the latest weather updates. Our small-business retirement plans are designed to meet your needs Farm Bureau Insurance offers a high-quality, simple, and affordable 401(k) retirement plan designed specifically for small business. It’s a state-of-the-art plan that allows the owner and key employees to contribute the maximum permitted by law without regard to participation by rank-and-file employees. Other outstanding retirement plans are also available. Your Farm Bureau Insurance agent, backed by a team of dedicated retirement specialists, will help you establish the plan that works best for you and your employees. You can count on your Farm Bureau Insurance agent to . . . Recommend options that benefit your company as well as your employees. Take time to help your employees make solid, informed retirement decisions. Provide the services you need when you need them--enrollments, continuing education, and yearly checkups to make sure your plan continues to meet company and participant needs. Talk to your agent to find out more. Ask your Farm Bureau Insurance agent about... An annual review: It’s important to meet with your agent to keep your insurance coverages up to date--and to protect your financial future. Fire department service charge coverage: Local municipalities are instituting or increasing fees for fire service calls. Do you have enough coverage to avoid a large out-of-pocket expense in case of a fire on your farm? A long-term care plan, discounted for Farm Bureau members and spouses. The environmental safety credit for Farmowners policyholders who obtain Michigan Agriculture Environmental Assurance Program (MAEAP) certification. Disability income protection designed especially for farmers Related Links: Commercial Property/Casualty Insurance Products including... Business Auto Policy Commercial Package Policy (CPP) Commercial Inland Marine Umbrella - Commercial, Guardian, and Farmowners Worker's Compensation Farmowners Country Estate Agribusiness Protector Program Michigan Farm Bureau (home page for our parent company) The product information included in the Farm Bureau Insurance of Michigan web site is intended for Michigan residents only, and is neither an offer to sell nor an invitation to purchase any insurance product.

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