Ch - Ch - Ch -
What To Do
Happens Page 4
Germania Advantage Additions, Pg. 3 • Auto Loans for New Graduates, Pg. 7
A Message from the President
“There is little difference in people, but that little difference makes a big difference. The little
difference is attitude. The big difference is whether it is positive or negative.”
- W. Clement Stone
Amid the ‘doom and gloom’ outlook that GERMANIA FARM
numerous media outlets continue to fuel, I “I want to reassure MUTUAL INSURANCE
found this quote especially timely. While
a number of companies are certainly facing our policyholders that ASSOCIATION
507 Hwy. 290 East
challenging times, I want to reassure our Brenham, Texas 77833
policyholders that Germania remains
financially strong and committed to
providing our fellow Texans with fair and
financially strong President
honest insurance protection. and committed to Paul Ehlert
1st Vice President
Remaining a stable company in the wake of
a recession is not an accident. Germania’s
providing our fellow Ron Rhodes
Board of Directors and management team Texans with fair and 2nd Vice President
have maintained an old-fashioned, prudent
approach — utilizing a conservative honest insurance Derrell Krebs
investment strategy and placing our
policyholders best interests before our own. protection.” Laura Popp
This mindset, originally derived from four Marketing Communications
German farmers in 19th century Texas, has led Germania through the many economic Manager
ups and downs over the past 113 years.
Trust is the basis of any relationship — and in today’s volatile market, it is a Editor
commodity that is hard to achieve. Germania’s success is built on a foundation of
mutual trust, integrity, financial strength and the cultivation of personal relationships James Pharaon
— ensuring our policyholders are not treated as another number, but as members of an Layout
Vol. 35, No. 2 • Summer 2009
Germania is proud to be known as “The Insurance Texans Trust.” That trust is what
distinguishes us from other companies and we’re honored that our policyholders Germania Today (USPS 086230)
Published quarterly by Germania Farm
continue to hold us in high regard. By entrusting Germania with your home, auto Mutual Insurance Association Postmaster:
and life insurance, you have given us a great responsibility that we not only embrace, Send address changes to Germania Today
at P.O. Box 645, Brenham, TX 77834.
but one we revere. Periodical postage paid at Brenham, Texas
and additional mailing offices.
Subscription price is 50 cents per year
included in yearly premium.
2 Germania ... The Insurance Texans Trust
Dollars and Sense...
Germania Credit Union’s
New Graduate Auto Loans
You’ve waited 18 years for this day to come — and while your HOW GERMANIA CREDIT UNION WILL
teen might have two years of driving experience behind him,
you want to pay homage to his academic milestone through HELP YOU
the purchase of a ‘new’ or ‘used’ car before sending him off Teach your child not to make an impulse buy — even if
into the world. he finds what seems to be a ‘great deal.’ Many consumers
who are overly eager and make impulsive decisions end up
spending too much. After choosing the right vehicle, save
A MULTI-GENERATIONAL LOAN FOR even more money by comparing your financing rates and
YOUR NEW GRADUATE terms — starting with Germania Credit Union. Germania
Grandparents who find themselves scratching their heads for Credit Union combines convenient terms with some of the
gift ideas can help with this purchase by either co-signing the best rates around.
loan alongside ‘mom’ and ‘dad’ or disbursing money towards
the purchase. If you are thinking of getting a car loan for your To apply for a loan, Germania Credit Union members can
new graduate, communicate with the grandparents. either mail or fax their seller’s contract along with a completed
loan application — available upon request or download from
www.GermaniaCreditUnion.com. Take advantage of a great
KEEP YOUR GRADUATE IN THE rate from Germania Credit Union while protecting the best
FINANCIAL LOOP interest of your new graduate.
Sit down with your child before you start car shopping. From
researching cars online, looking through consumer reports
and safety publications to budgeting — what would insurance
NOT A MEMBER?
If you are not already a member of the Germania Credit
cost for the car they like? By taking your teen along for the
Union, this may be the perfect time to join. Membership is
ride and not presenting it as a ‘surprise’ wrapped in a bow
available to Germania Insurance policyholders and, once they
for graduation day, you will be teaching your child a valuable
join, their relatives. Potential members can e-mail to
lesson when it is time to enter “the real world.”
gcu@GermaniaInsurance.com, or call 1-800-392-2202 to
request a membership packet
Visit us at www.GermaniaInsurance.com 3
On the Cover...
Life Changes. So Do
Your Insurance Needs.
It’s easy to forget updating an existing paperwork is the last thing you want to deal with. But, in order
insurance policy when something significant for Germania to help you keep the promises implied by these
has changed. Waiting until something ‘bad unique and powerful documents, you must inform your agent
happens’ is the wrong time to find out if when a change in beneficiary needs to be made.
you are underinsured or not properly
covered. The most important question Expect the unexpected
to ask yourself and your Germania An unexpected occurrence, such as death or other personal loss,
agent: Is your insurance coverage up-to- is not an event you can foresee. Yet, the financial ramifications
date? can be staggering — not only for you, but for your family as well.
A good rule of thumb; if it’s not in writing, it’s not covered.
From “I Do” to
“Sign Here” Be Proactive
Far from romantic, insurance Updating your insurance policy is comparable to an annual
plays a substantial role in our visit with your doctor. A short, noninvasive check-up usually
day-to-day lives. Marriage prevents (or catches) unforeseen health problems. This same
and beginning a family are analogy applies to protecting yourself
significant factors that from life’s unexpected calamities. Proper
affect the amount of planning can prevent future setbacks.
coverage you will need. Call your Germania agent today if you’ve
Combining two experienced any significant changes
households into one is that should be reflected in your
the perfect time to take a policy.
look at your insurance policy.
The good news — Germania
issues a Companion Policy Discount when
you insure your home and auto or home and
life insurance*. Nothing says “I love you” more than a spouse
ensuring his family is able to not only survive — but thrive — if
the unthinkable were to happen.
The “D” Word
Supposing the unthinkable happens — now what? In the case
of a divorce, call your Germania agent and have them update
your policy. Removing a spouse from a policy usually requires
that the agent see a copy of the decree and then they can address
your current insurance needs.
The Other “D” Word
One of the most challenging and heartbreaking aspects of keeping
a policy up-to-date is when a family member dies. Whether
a death is anticipated due to an illness — or unexpected —
4 Germania ... The Insurance Texans Trust
In the Loop...
When To Update
• Your address changes
• Job change
• New addition to the family
• Adding or deleting a driver from an
• Marriage and name changes
• Getting a divorce
• Adding on or making renovations to
• Purchasing expensive items for your home
• Purchasing an auto, boat, motorcycle, etc.
• Purchasing or leasing a house
*Discount applies to GFM premium only, and the life policy owner must
occupy the insured GFM dwelling. To qualify for these discounts you must
have your primary owner-occupied dwelling, liability and auto insured with
• Placing land /home in a trust
Germania Partners with Safelite to Offer
Windshield Repair and Auto Glass Replacement
Germania knows the importance of chances are the damage can be repaired.
repairing your windshield or replacing Germania even waives the deductible
damaged auto glass and wants to make for windshield repair service, so there is
the process easy and convenient for you. no out-of-pocket cost to you*.
Keep in mind, if your windshield is
chipped, it’s only a matter of time before To report an auto glass claim, log on to
it spreads into a larger crack and must www.GermaniaInsurance.com and click
be replaced. through the following path: “Claims/
Auto Glass Claims” or call Germania
Germania Insurance offers cost-saving Glass Service at 1-800-392-2202 and
windshield repair to policyholders in follow the phone prompts to report your
need. If the chip or crack is less than auto glass claim to a customer service
the size of a dollar bill (six inches), representative.
*Certain restrictions may apply
Visit us at www.GermaniaInsurance.com 5
Matters of Life...
You Can Trust
Think about the person or people that Let your agent help you leverage that make these arrangements and provide
should benefit from your life insurance knowledge and information to make suggestions on preparation for these
policy. Now ask yourself if Germania certain you do not have more — or less important steps.
Life Insurance Company is aware of — life insurance than you really need.
your intentions. You can expect the POLICY MANAGEMENT AND
following benefits when you become a APPLICATION MANAGER: SERVICE SUPERVISOR:
Germania Life policyholder: Life insurance applications and Your agent records all activity required
supporting forms are legal documents to underwrite your insurance and stores
POLICY ADVISOR: demanding the utmost care and this information along with policy
Your Germania agent has a consideration. Your agent will manage details on your behalf. Requests for
comprehensive understanding of the paperwork to assure correct service can include changes to address,
Germania’s product portfolio, which and complete documentation. The bank, beneficiary, owner, and marital
will ensure your needs are met promptly. complexity of modern medical and status among others. You can rely
Germania agents can suggest ideas for lifestyle information necessary to life on your Germania agent to manage
matching your needs and budget with insurance underwriting can result in these changes carefully to avoid any
the correct Germania Life product. errors and unexpected increases in conflicts in policy status. Including
Our consultative approach to personal premium if communicated carelessly. your agent in the active management
life insurance planning distinguishes us Your Germania agent is an expert at of your life insurance policy today
from ‘bigger’ companies and focuses on documenting all information required can help prevent unforeseen problems
finding the lowest cost solution with in the life insurance application. and disappointment for your family
your individual needs in mind. tomorrow.
BENEFIT ANALYST: Your agent is there for you during To learn more about using life insurance
Your Germania agent can help identify the underwriting process to make to achieve your financial goals and make
the proper amount of life insurance certain company underwriters are sure your loved ones stay protected or
coverage you (and your family) need appropriately informed about your to purchase a Germania Life insurance
at any stage of life. A Germania agent personal circumstances. Your agent policy, contact your Germania agent
that already insures your home or auto will ensure any additional information or Germania Life at 1-800-392-2202.
will be familiar with you, your family, requested by the underwriter is ordered You can also e-mail us at
your goals, your likes and dislikes and accurately and delivered promptly. If glife@GermaniaInsurance.com. We are
is uniquely qualified to assist you in your application requires medical exams here to help.
analyzing your life insurance needs. or lab work your agent will help you
6 Germania ... The Insurance Texans Trust
FISCAL YEAR ENDING DEC. 31, 2008
CONSOLIDATED BALANCE SHEET
Cash and Investments $345,717,845
Real Estate and Equipment 5,676,338
Premiums Receivable 67,836,796
Accrued Investment Income 3,008,136
Reinsurance Recoverable 3,180,914
Net Deferred Tax Asset 12,625,674
Federal Income Tax Recoverable 10,714,461
Other Assets 1,874,152
Total Assets $450,634,316
Liabilities and Surplus Germania Advantage Welcomes New Vendors
Unearned Premiums $153,425,865
Loss and Loss Adjustment Expenses 45,642,811
Life Future Policy Benefits 31,878,382
Federal Income Tax Payable -
Other Liabilities 22,749,247
Are you interested in purchasing a RV
Total Liabilities 253,696,305 Travel trailer? Well, look no further than
Policyholders’ Surplus 196,938,011 Cliff Jones Autoworld/RV Center, located
Total Liabilities and Surplus $450,634,316 in Sealy, Texas. Cliff Jones has been known
as the “low discount dealer” for over thirty
CONSOLIDATED INCOME STATEMENT years. Their low overhead means that they can — and will — sell you one for less.
They have a full line of travel trailers, fifth wheels and toy haulers.
Net Premiums Written $285,146,688
Increase in Unearned Premiums 12,277,997 Discounts apply to orders through Kevin Whitton at email@example.com or call
Net Premiums Earned 272,868,691
1-800-299-7848. At Cliff Jones, “Our pledge is to sell you the best RV or auto at
Net Losses Incurred 195,819,216 the best price. Come see us – you’ll be glad you did.” To learn more about RVs/
Loss Expenses Incurred 25,079,889 Travel Trailers, log on to www.cliffjonesrv.com or check out the cars and trucks
Underwriting Expenses Incurred 86,893,273 available at www.cliffjonesautoworld.com.
Increase in Life Future Policy Benefits 2,770,922
Net Losses and Expenses Incurred 310,563,300
Underwriting Gain (Loss) (37,694,609)
Now is the Perfect Time to Move Up to the
Net Investment Income 13,246,335
Gold Standard in Home Security.
Other Income 1,469,703
Net Income (Loss) before Taxes (22,978,571) Need a new security/fire alarm system or want
Federal Income Taxes (7,084,455) to upgrade your existing one? ADT Custom
Net Income (Loss) $(15,894,116)
Home Services offers you personalized local
service and fast alarm response. ADT offers
GERMANIA FARM MUTUAL INSURANCE advanced security technology, professional
ASSOCIATION CLAIMS BY PERIL customer service, six-month money back guarantee, theft protection guarantee
and a network of customer monitoring centers.
Water $11,807,536 Find out more about ADT Custom Home Services and how you can qualify for
Theft $3,146,891 a $200 mail-in rebate. Call 1-888-238-0030 and mention savings
Other $3,038,448 CODE: G35773.
Keeping You In The Loop:
Visit our website at www.GermaniaInsurance.com. Hurricane season begins June 1, 2009 — find out how
to keep your home and family safe! You’ll also find Germania news, tools and resources to ensure you feel
confident and are making accurate and informed decisions when it comes to your insurance.
Visit us at www.GermaniaInsurance.com 7
Quick Chicken and Noodles Stir-Fry
6 boneless, skinless chicken thighs 1 medium onion, sliced thin
1 quart water 2/3 cup thinly sliced celery
1 teaspoon salt 2 cups thinly sliced cabbage
2 3-ounce packages chicken flavor Ramen oriental soup 1 cup thinly sliced carrots
1/4 cup canola oil 1/4 cup chicken broth, warmed
2 cloves garlic, minced
Cut chicken into 1/2 –inch strips. In saucepan, place Push all ingredients to side of pan or wok and add in
water and salt and bring to boil over high heat. Add center of pan carrots, celery and both flavor packets. Stir
noodles (without flavor packets), stir to separate and and cook about two minutes. Add cabbage and mix all
cook about two minutes. Drain noodles and set aside. ingredients together; stir-fry about two minutes more.
Add cooked noodles and chicken broth, mixing well for
In large deep fry pan or wok, place oil and heat to about two minutes. Serve immediately with wide, crisp
medium temperature. Add garlic and onions; stir-fry oriental noodles as garnish.
until onion is clear, about four minutes. Increase heat to
high and add chicken, continuing to stir-fry until chicken Yields four servings.
is done, about six minutes.
Jo Ann Reichle; Industry, Texas
You’re Invited sociation
utual Insurance As
Germania Farm M
rs to the
113th Annual Mee
Wednesday, July 22
Germania Home Offi
507 Hwy. 290 East