What does auto insurance cover?

Auto insurance covers liability for bodily injury and property damage, collision coverage for vehicle damage, comprehensive coverage for theft and weather damage, and optional coverages like uninsured motorist protection.

How much does auto insurance cost?

Auto insurance costs vary based on your vehicle, driving record, location, and coverage levels. Basic auto insurance typically starts around $100 per month with higher rates for comprehensive protection.

What factors affect auto insurance rates?

Auto insurance rates are affected by your driving record, age, vehicle type, location, credit score, coverage levels, and deductibles. Safe drivers and newer safety features can help reduce premiums.

Do I need full coverage auto insurance?

Full coverage (liability, collision, and comprehensive) is recommended to protect your vehicle and finances. It's required if you have a car loan or lease, and provides the best protection against accidents and theft.

Safe. Secure. Guaranteed. Your Retirement Income Starts Here.

FIXED & INDEXED ANNUITIES FOR RETIREMENT PEACE OF MIND At Amerus Financial Group, we specialize in helping individuals 50 and older protect their savings, eliminate market risk, and secure guaranteed income for life.

Whether you're preparing for retirement or already retired, the right annuity can provide safety, growth potential, and lifetime income you cannot outlive.

We work with top-rated carriers, shop multiple companies on your behalf, and help you find the annuity that fits your goals.

No-obligation. No pressure. Independent comparison across multiple carriers.

Our Most Popular Annuity Solutions

Fixed Index Annuities (FIAs)

Growth tied to the performance of an index—without market losses, ever.

Perfect for:

✔ Those who want upside potential
✔ Safety-minded investors
✔ People nearing retirement
✔ Tax-deferred growth

Benefits:

✔ Never lose a penny due to market downturns
✔ Earn interest based on index performance
✔ Multiple crediting strategies
✔ Optional income riders (lifetime payouts)
✔ Great for rollovers, 401(k)s, IRAs, and transfers

Multi-Year Guaranteed Annuities (MYGAs)

A tax-deferred, guaranteed rate—just like a CD, but better.

Perfect for:

✔ Safe, predictable growth
✔ People comparing annuities vs. CDs
✔ Short- to mid-term goals (3–10 years)
✔ Short-term and mid-term savings

Benefits:

3-year, 5-year, 7-year guaranteed rates
✔ No market risk
✔ Tax-deferred growth
✔Guaranteed annual yield
✔ Higher rates than most banks

Bonus Annuities – Up to 20%

Designed for clients who want an immediate boost to their retirement nest egg.

Perfect for:

✔ Rollovers from 401(k)s or IRAs
✔ People seeking larger upfront value
✔ Those wanting income riders or enhanced benefits

Benefits:

Up to 20% premium bonus on day one
✔ Guaranteed lifetime income options
✔ Market protection + growth potential
✔ Great for income-focused retirees

(Bonus levels vary by carrier, age, and product.)

Fixed Annuities

A simple, safe, guaranteed solution for secure retirement savings.

Benefits:

✔ Guaranteed fixed interest rate
✔ No market volatility
✔ Tax-advantaged growth
✔ Option to convert to lifetime income

Why Amerus Financial Group? Because you deserve:

At Amerus Financial Group, we know every business is different. Whether you're a one-truck operation, a growing contractor, or a multi-location company, we design coverage that fits your risks and budget.

A Real Person Your own licensed advisor—not a call center.
Independent Access We shop multiple carriers, ensuring you get the best rate and features.
Safe Retirement Guidance We specialize in clients 50 and older who want stability.
No Market Losses All annuities we offer have principal protection.
Top-Rated Companies We only partner with trusted, reputable carriers.