• Getting married

• Buying a home

• Starting a family

• Being a parent

• Raising a teen driver

• Preparing for college

• Changing jobs

• Getting a bonus

• Caring for parents

• Losing a loved one

• Managing sudden wealth

• Leaving a legacy

Buying a Home

Buying a home is one of your biggest investments and an exciting time in your life. But in all the excitement, it’s important to cover all your bases before you sign on the dotted line.

• When you decide to buy a home, the first step you normally take is to check your credit report and clean it up if needed. You can order a free copy of your report at www.annualcreditreport.com . 
• The next step is typically to get pre-approved for a loan. Use our calculator to determine how much you can afford when buying a home .      
• Next, you can work with a real estate agent or search on your own to locate that perfect home.
• Once you’ve made the decision to buy and secured your loan, you’ll need to take steps to ensure that your new home and possessions are adequately protected.

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Insurance Considerations

Our insurance solutions can help you protect the things that are most important.

• Homeowners Insurance
  
  It’s important to buy quality coverage for your home from a company you can trust to provide you with the protection that meets your individual needs – a company like COUNTRY Financial®. A COUNTRY representative can answer all of your home insurance questions, and our policies provide quality protection at an affordable price.  
  
  
• Umbrella Insurance
  
  Do you have enough liability protection if you’re involved in a large lawsuit? You may want to consider purchasing personal umbrella liability coverage on top of what your homeowners insurance provides.
  
  
• Life Insurance to Protect Your Mortgage
  If something happens to you or your spouse, will your surviving spouse still be able to pay the mortgage? A term life insurance policy can provide the greatest amount of protection at the lowest cost.
  
  
• Disability Income Insurance
  
  If you became disabled and couldn’t work, your mortgage payments wouldn’t stop. That’s why it’s important to be properly protected so you can still pay your bills if you’re disabled.
  
  

Financial Considerations

Your home will probably be one of the biggest investments you’ll make, but there are financial considerations, too, as you invest for your family’s financial security tomorrow.

• Make It Better
  
  It’s not unusual to want to make improvements to your home or find that you need to purchase big-ticket items to put in your home. Investing for those future needs can be easy to do with a variety of investments available through COUNTRY. From mutual funds to professionally managed accounts, COUNTRY can help turn your home into your castle.
  
  
• Great Savings Tool
  
  Buying a home is generally a good investment because the more you put into your home, the more equity you build over many years. So when you sell it, the equity you’ve earned can be used for the down payment on your next home or to fund a retirement plan.
  
  

Putting It All Together

The many aspects of home ownership are just a part of your overall financial security. You can put all the pieces together with a tangible plan  from COUNTRY. One that helps you balance your need to protect what you have with your desire to build for the future. Find out more by contacting a local COUNTRY Financial representative.