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Insurance Services

F&M provides Business Insurance Services that protect your company’s interests, enhance employee benefits and help you – as a business leader – ensure a solid personal financial future. F&M has teamed with a national network of providers to offer you the best and most cost-effective insurance solutions for you and your business.

As with all F&M Business Banking Services, we provide recommendations that are on-track because we get to know you and your company. We would love to give you a no-obligation assessment of your current insurance coverage. Just give us a call and we’ll get to work!

Business Group Health Benefits


To run a successful company, you must be able to hire, reward and retain excellent employees. Providing a quality group insurance program is an essential element of any compensation plan. F&M Insurance can help you structure a program that is affordable for both you and your employees. We can help you provide an insurance benefits package to include elements such as:

  • Group Health
  • Group Life
  • Disability
  • Supplemental Coverage – Dental, Vision and Cancer

If you are dissatisfied with your current group insurance provider, would like a competitive quote or if you previously felt your company was too small to afford group insurance, we can help!

Personal, Business Continuation And Key-Person Coverage


Protecting your personal and company assets, providing for your family’s future and ensuring the continuation of your business all require careful planning. With the help of an experienced F&M Insurance adviser, you can establish a game plan that blends with your personal financial objectives. These are some of the critical areas we can provide assistance:

  • Personal Life and Disability
  • Buy-Sell and Business Continuation
  • Personal Health
  • Key-Person Life and Disability
  • Long-Term Care
  • Annuities

For up-to-date details about all F&M Insurance Services, contact us today

*Insurance Services are not FDIC Insured. Not a deposit or other obligation of, or guaranteed by F&M Bank or of the government. Subject to investment risks, including the possible loss of principal amount invested.