Secure Neighbors Agency, LLC
Todd Lynn Dobbs
Your Farmers Insurance Partner
We take care of you and your family, and also your insurance needs...
Explore what we offer
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We all have to cover our cars and homes, motorcycles, RV’s, Boats, Off Road Vehicles. We have it… with a smile.
How much does it cost? It costs what you need to cover your liabilities for your habits in your neighborhood. If you want less dollar coverage, it costs less. If you have nice things, and want to keep it that way. That is what it costs. It is your choice. We guide you based on your life and the choices you make & where you invest your time and money. When it comes to an accident or fire. Can you come out of pocket to make up difference? If you cant write a check, you actually need more coverage. We will help you make sure you don’t leave your family in an unhappy place.
What you want is for the claim to be paid after it occurs in a timely fashion with a strong company. We are Farmers, Covering you for almost a hundred years. Also many other strong brands.
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Term Life. Most cases can be AI underwritten with answers possibly same day. Low cost. Easy.
Do you have a mortgage?
Are you the breadwinner for your family? Who goes to work? Who watches the kids? Who watches the grandparents? Who pays the debts? What happens if your spouse passes unexpectedly?
Pay off your mortgage, or leave your family with a stable future if the unthinkable happens.
AI underwriting based on your records and you digital footprint. You enter your health history privately online, remotely. An answer and coverage in a few hours in many cases.
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Not your employers’ group life insurance. You lose that when you leave the company, or get ill and can’t work anymore and leave your job. Not Term Life that ends with the term chosen.
Do you have a new baby?
Do you want an investment vehicle with a death benefit if the unthinkable happens?
Learn what the tax benefits may be with the right coverage.
Chronic illness accelerated benefit riders in case of Long Term Care needs.
We will run you an illustration to show you values.
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Level payments Chosse a Death Benefit value up to 5 M.
Pass money tax free. Accumulating cash value.
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Motorcycles, Boats, Recreational Vehicles, Fifth Wheels, Travel Trailers, Off Road Vehicles
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Business liability & Property Insurance, Commercial Auto, Business Owner Policies, Workmans Compensation
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What happens if the bread winner dies?
Beyond the mortuary costs of approximately 7-14K, the cemetery costs of approx 10-17K…
Who will take care of the mortgage and expenses?
Who will take care of the kids if mom has to go to work?
This list is endless with parents, kids , dogs , and car notes…
The simple answer is and inexpensive term life policy for 15 to 150 a month would change all that.
We specialize in simple, fast, and private. Call and ask…
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Juvenile IUL Policies
Parents & Grandparents. You mind on College and home ownership for your heirs.
Possible Tax Benefits with Death Benefit and withdrawals and loans.
Simple tool, A babys health is rarely and issue for issue. College and a head start we all wish we had…
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Many uses in estate, business planning, investing, Trust planning and protection of heirs with tax free death benefits, possible tax benefits with loans and withdrawals.
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MYGA Multi Year Guaranteed Annuities- currently possibly between 4 and 5 for 3-7 years.
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Fixed Indexed Annuities- It is possible to share in market gains without the downside risk. An annual reset to lock in gains. Multiple Indexing strategies. Your account will not go down if the market does. period.
Chronic Illness riders and accelerated benefits for chronic illness. Tax Deferred growth. No downside risk. There are a lot of reasons to include FIA’s in your mix.
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Consolidate and protect from market risk.
Fixed Indexed Annuities- It is possible to share in market gains without the downside risk. An annual reset to lock in gains. You can roll them and avoid market risks. Multiple Indexing strategies. Your account will not go down if the market does.
Chronic Illness riders and accelerated benefits for chronic illness. Tax Deferred growth. No downside risk. There are a lot of reasons to include FIA’s in your mix.
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An Irrevocable Life Insurance Trust (ILIT) is a legal entity created to own and manage one or more life insurance policies. Because it is irrevocable, the creator (grantor) generally cannot change or terminate the trust once it is established. Core Purpose
Estate Tax Reduction: The primary goal is to remove life insurance proceeds from your taxable estate.
Estate Liquidity: It provides immediate cash to pay estate taxes or other expenses without forcing the sale of illiquid assets like a family business or real estate.
Key Benefits
Tax Efficiency: Proceeds are typically paid to the trust free of federal estate and income taxes.
Asset Protection: Trust assets are generally shielded from the grantor’s and beneficiaries' creditors.
Distribution Control: You can dictate exactly how and when beneficiaries receive funds, such as preventing a lump-sum "waste" of benefits.
Government Benefits: It can be structured to support a special needs family member without disqualifying them from government aid.
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A buy-sell agreement funded by life insurance is a legally binding contract ensuring a seamless business ownership transition if a partner dies, becomes disabled, or exits. It uses life insurance proceeds to provide immediate liquidity, allowing remaining owners to buy out the departing partner's share, usually tax-free.
Key Components and Types
Triggering Events: Death, disability, retirement, or voluntary exit.
Cross-Purchase Plan: Each owner buys a policy on the other owners. Upon death, the surviving owner uses the proceeds to purchase the deceased's share directly from their estate.
Entity Plan (Redemption):
The business entity purchases policies on all owners, acting as the beneficiary. The company uses the proceeds to buy back the deceased owner's shares
Key Advantages
Immediate Liquidity: Ensures cash is available to purchase the business interest immediately, avoiding financial strain.
Business Continuity: Prevents unwanted outsiders or heirs from inheriting the business, maintaining stability.
Fair Valuation: Establishes an agreed-upon price, reducing disputes.
Tax Benefits: The insurance proceeds are typically received income tax-free.
Important Considerations
Legal Structure: Requires an attorney to create a binding contract..
Properly funding this agreement protects the heirs of the deceased by guaranteeing a buyer at a fair price while protecting the business from chaos.
Specialty Lines… Are where all the fun is!
Boats
Cabins Summer Homes
Fifth Wheels
Off Road Vehicles, O.R.V.
Mobile Homes
Personal Watercraft PWC
Motorcycles
MotorHomes
Vintage
Pet Insurance
Business & Commercial…
Loss of Use reimbursement
Commercial Vehicles
Workers Compensation
Business Owners Policies
Business Liability
Business Property
Estate Planning, Long Term Care, Retirement, Succession Planning…
Life Insurance
Long Term Care
Cemetery & Mortuary
Succession
Retirement
Estate Planning / Trusts
Book some time with us. We would love you to come visit. But, we can do a web virtual visit, or a phone call if time is tight.
Finding the right insurance plan should never be a hassle, and we're here to make it straightforward and easy for you. Schedule an appointment with our experts today and let us guide you through tailored options that perfectly fit your needs.
Who we are…
Welcome to our neighborhood, where protecting your future is our passion.
At our core, we aim to be more than just a service provider—we’re your partners in navigating life's uncertainties, offering guidance and insurance solutions tailored for peace of mind. Learn more
