Changing with the times… Diversification—a term we hear shares Sommer. “We have proudly to the area and emphasizes its more and more often. During the served the state of Texas for commitment to policyholders 2000 census, state officials began more than 110 years and we are by providing financial strength, noticing a dramatic change in the committed to continue this service family traditions and claims service demographics of Texas. According for many years to come.” 24/7. “Germania Insurance is to Texas State Data Center and The proud of its Texas heritage and as Office of the State Demographer Advertising the times change so do we,” says by 2010, Texas is likely to have 25 As you drive down the highway Foerster. million people and by 2040 could you will notice an abundance of have more than 51.7 million people. billboards and advertisements Enhancements Germania is proud of the fact that from various companies. Germania Germania values its policyholders. our insureds are made up of a diverse recently introduced a new advertising That’s why management is always group of families. However, to keep campaign that includes newspaper looking for new ways to provide up with the changing times we are ads, policyholder mailers and you with more valuable services broadening our market presence billboards. “The new campaign is and products. During the past across Texas. prominently displayed on billboards 12 months we have enhanced our across the state of Texas,” states services by adding a Companion Expansion Rodney Foerster, assistant vice Life Discount, a Claims Free Germania’s goal for the past several president of Marketing/Training for Discount, Identity Theft Recovery years has been to expand its services Germania Insurance. The “Measure Coverage, Enhanced Personal to underserved and unserved areas of Carefully” campaign asks you to Computer Coverage and the Texas. During the past year we have take a good look at the coverages, Germania Advantage program added five new agents and six new deductibles and service, and make that provides a wide variety satellite offices to address these areas sure they really measure up. of discounts on products and and to keep up with the population In addition to this campaign, services. growth of Texas. With the shift in the Germania continues to promote “The No matter how much Texas demographics of the state, Germania Insurance Texans Trust” campaign in changes over the next 110 is also actively recruiting agents in newspaper ads and billboards in new years, Germania will be there for strategic markets in the Rio Grande strategic markets—the Rio Grande its policyholders—continually Valley and El Paso. “Our goal is to Valley and El Paso. This campaign providing a wide range of ensure that Texas homeowners have introduces Germania insurance products and access to dependable, professional exceptional customer service. Germania agents,” shares David Sommer, president of Germania Insurance. With the average age of Texas homeowners becoming younger, many families are in search of the American dream. New families are looking to purchase their first home while growing families upgrade to larger homes. “Germania continues to be The Insurance Texans Trust—the insurance of choice for homeowners,” A Message from the President Growth is a critical component to maintaining success in any business. Steady, well-managed growth has always been important to the success of the Germania Group. In fact, “growth” is one of the six focus areas defined in our corporate strategic plan. In this issue’s featured article Changing with the times… we share information about what experts are predicting for Texas during the next 25 years. It is incredible to even imagine that we could see more than 50 million people living in our great state in the next couple of GERMANIA FARM decades. MUTUAL INSURANCE ASSOCIATION Germania’s directors and management team are always mindful of 507 Hwy. 290 East this information as we make decisions that will affect our companies Brenham, Texas 77833 and policyholders for many years to come. As Texas grows, so must David Sommer Germania. President I am very proud of the growth in our companies over the past few Paul Ehlert years. An excellent agency force combined with constant improvement 1st Vice President in customer service has been key to generating this growth in Ron Rhodes policyholders. And as the number of policyholders has grown, so has 2nd Vice President our financial strength. Derrell Krebs The constant bombardment of advertisements on television clearly Secretary/Treasurer demonstrates that growth is important to our competitors also. The Lori Krolczyk “caveman” and the “lizard” are two examples that quickly come to mind Managing Editor when one thinks of the aggressive marketing efforts presently in our industry. James Pharaon Graphics/Illustrations Germania doesn’t have any fancy commercials airing on television. To grow, we place our emphasis on our deep-rooted values and strong Vol. 33, No. 2 ♦ Summer 2007 customer service proving we are in the business to take care of your insurance needs. Our slogan, The Insurance Texans Trust, is one we Germania Today (USPS 086230) Published quarterly by Germania Farm take to heart. We are Texas born and Texas proud! Mutual Insurance Association, 507 Hwy. 290 East, Brenham, Texas 77833, for its policyholders. Periodical postage paid at Brenham, Texas and additional mailing offices. Subscription price is 50 cents per year included in yearly premium. POSTMASTER: Send address changes to GERMANIA TODAY, P.O. Box 645, Brenham, Texas 77834-0645 www.GermaniaInsurance.com 1-800-392-2202 2 For the good things in life...Trust Germania FISCAL YEAR ENDING Discounts offered by Germania and Texas Heritage DECEMBER 31, 2006 Depending on the property covered, you may be eligible for one or more of Germania’s premium reducing discounts, if you qualify. These include: Companion Auto Policy Discount All Steel Roof Discount By insuring your *home, personal This five percent discount is liability and auto with Germania you available for all insured dwellings can save 10 percent on your home and manufactured/mobile homes, premium and 15 percent on your without regard to occupancy auto premium. (*To qualify for these status. The entire roof must be discounts, you must have your primary steel. The metal must be 26 gauge owner-occupied dwelling, liability and or thicker, and installed with auto insured with Germania.) roofing screws. Companion Life Policy Discount Hail Resistant Roof Discount You may be eligible for a The Hail Resistant Roof Discount Companion Life Policy Discount is available for all insured dwellings when you choose life and home and manufactured/mobile homes, insurance from Germania. Whether without regard to occupancy you are considering a Germania status. The entire roof must be of home insurance policy or you hail resistant material. Discounts already have one, just add a can be up to seven percent, qualifying Germania life insurance depending on material used. policy and enjoy a valuable 10 percent discount on your home Central Burglar/Fire System premium. (Discount applies to home Discount premium only, and the life policy This five percent discount is owner must also occupy the insured available for owner and immediate dwelling.) family occupied dwellings, church parsonages and manufactured/ Claims Free Discount mobile homes. Documentation In Memory of... This discount is available for owner must be provided showing that the occupied dwellings, manufactured/ system is connected to a central mobile homes and unscheduled monitoring station and is activated Patsy Booher, former personal property. Insured must to receive this discount. secretary of Local Chapter be claims free for three years. The #1, Riesel, Texas. Claims Free Discount is equivalent to the number of years the insured H.D. “Doyle” Fowler, former is claims free beginning the third director and former secretary consecutive loss free year until of Local Chapter #252, obtaining the maximum discount Big Spring, Texas. of 10 percent. For new or existing business three years or less with us, the maximum discount available is five percent. Visit us at www.GermaniaInsurance.com 5 VALUABLE A$$ET$ destruction of business property like buildings and equipment. Often, you may even find it prudent to insure the Germania Life Insurance Company life of the key employee. This is where Germania Life can help. can safeguard your most valuable asset A key person life insurance policy is not very different than life insurance Do you own or manage a business? as more valuable. However, if you owned by most individuals to protect Can you name your most important have a key employee in your business, their families. The business submits business asset? Many employers you know he or she may be more an application for the policy as owner would say people. Employees that valuable because without this person and beneficiary with the key person arrive every day and get the work done your business might be less profitable. as named insured. Because individuals are important assets. Business owners Key employees typically have one cannot be insured without their and managers already recognize this or more talents or attributes that knowledge, the key employee must simple truth—people are the key to a add irreplaceable value to your sign the application. This signature successful business. Most employees business. Perhaps an exceptionally grants permission to the insurance realize, like their employers, that talented engineer, programmer or company to medically underwrite some individuals are more valuable account executive routinely makes the policy and demonstrates to than others. Very likely, you have at a significant contribution to your the insurer that the employee is least one key employee. Germania bottom line. If you have invested cooperating with the purchase of a Life Insurance Company can help you time and money to train or educate policy that may ultimately benefit protect this valuable asset. this employee, the value added by their employer. this education is often worth many It may seem insensitive to describe times the expense. Whatever the Let Germania Life help you and your one employee specific role this individual plays, it business with key person life insurance. is apparent that without this person In addition, we have other products your business would be much less available for all employees through successful. our Worksite Plus life insurance program. Germania Life encourages you to consider the value of key employees To learn more about using life as you evaluate risk management insurance to achieve your business and insurance programs. Measure goals or to purchase a Germania the potential financial impact of Life insurance policy, contact losing a key employee just as you your agent or Germania Life at measure the financial impact of the 1-800-392-2202, Ext. 1942. We can help. 6 For the good things in life...Trust Germania With Germania Advantage you, as a policyholder of a Germania company, are automatically eligible for special discounts and opportunities on a wide variety of goods and services. Best of all, there is no cost to you and no enrollment is necessary. No catch. Simply start saving! On the next page is a list of companies which have partnered with Germania to Live a little... give you the Germania Advantage by offering special MORE! discounts or incentives just for being a Germania Companies policyholder. So, thank you for trusting the Germania Companies for your insurance needs. We sincerely hope you enjoy the Germania Advantage. For more information on the Germania Advantage program, please visit www.GermaniaInsurance.com and click on the “Policyholders Only” link or call 1-877-405-4334. The Insurance Texans Trust. HOME • AUTO • LIFE www.GermaniaInsurance.com Germania Credit Union Can Help Protect You from Warranty Woes New car warranties range from the traditional three-year or 36,000 miles, to a few brands that extend drivetrain coverage to 10 years bumper” or 100,000 miles. For some car warranty all at very affordable prices. Coverage is you may also be entitled to buyers, a long warranty will be additional reimbursement. crucial—for others it is not as available for new as well as pre- important. If you plan to own your owned vehicles and $0 deductibles Tire road hazard protection car for several years, you may want are available for many models. “In Your extended warranty offers tire to consider purchasing an extended addition, many plans offer a money road hazard protection. If glass, warranty made available through the back guarantee and all plans are nails or other road hazards damage Germania Credit Union.* transferable to the new owner in a tire on your vehicle, the tire will be the event you sell your vehicle repaired. If the tire is not repairable, Protect yourself from to another individual,” continues it will be replaced with a new tire of costly repairs. Barker. like kind and quality. Many individuals seek coverage for Consider an extended Trip interruption the more expensive repairs such as warranty through GCU.* Being away from home and transmission replacement, which can experiencing a mechanical failure can cost more than $2,000. Extended Extended warranties sold through be devastating. Fortunately, your warranties sold through GCU* GCU also provide: extended warranty will reimburse offer extensive drivetrain coverage Nationwide protection you for meals and lodging for up to for your automobile’s engine, No matter where you may be when three days if you are stranded more transmission and driveshaft. a covered breakdown occurs, the than 100 miles away from your extended warranty made available home due to a covered breakdown. Select a warranty that is through GCU will provide the One deductible per visit and no right for you. protection you need to get your limit on claims When comparing warranties, you vehicle back on the road. Repairs Should you happen to experience must consider which repairs are can be completed at any licensed multiple mechanical failures all at covered and how likely it is that you repair facility in the United States or once, you are only required to pay will need them. Car dealerships will Canada. one deductible. Your warranty will often try to sell you an extended 24-hour roadside assistance also protect you no matter how warranty at the time that you As long as your vehicle is covered many claims you may incur during purchase your new or used vehicle. by the extended warranty, you can the term of your coverage. “Extended warranties are a great receive services that will not only If you are considering extending idea, particularly if you hate budget tow your vehicle if it breaks down the warranty protection on your surprises, but don’t rush into but will also send assistance if you current vehicle or you are looking to purchasing the dealer’s warranty,” run out of gas or lock yourself out purchase a new vehicle, consider an shares C.W. Barker, president of of the car. extended warranty made available GCU. “There are many different Rental vehicle assistance through GCU.* Give us a call today products on the market and If you suffer a mechanical breakdown at 1-800-392-2202, Ext. 7506. coverages can vary a great deal, as covered by your extended warranty, * Germania Credit Union (GCU) offers extended can price.” you will be reimbursed for alternate warranties underwritten by the Mercury Insurance Group. GCU offers a wide range of transportation expenses according coverage choices from the most to the schedule of your agreement. basic to a complete “bumper-to- If repairs take longer than expected, Visit us at www.GermaniaInsurance.com 7 Mouth-watering Shish Kabobs 1 pound beef sirloin 2 bunches green onions 24 cherry tomatoes 24 mushrooms 1 red bell pepper 1 yellow bell pepper 1 green bell pepper Instructions: • Cut the meat into 2-inch cubes and slice the peppers. • Marinate the meat in your favorite marinade for 30 minutes. • Clean and remove tops of the green onions. • Place a cube of meat, onion, tomato, mushroom and yellow pepper on the skewer and then place another piece of meat, onion, tomato, mushroom and red pepper on the same skewer, then repeat process again ending with the green pepper this time. • Cook over the BBQ grill until meat is brown and vegetables are tender. Makes 4 to 6 kabobs. Germania Farm Mutual Insurance Association invites policyholders to the 111th Annual Meeting on Wednesday, July 18, 2007 beginning at 9:00 a.m. in the Boardroom of the Germania Home Office, 507 Hwy. 290 East, Brenham, Texas.