Missouri Farm Bureau
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Kevin Craig - "Liberty Under God"
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| Department
of Insurance |
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| We believe
individuals selling burial policies and annuities through funeral
homes should meet the same Department of Insurance guidelines for
licensing and continuing education as are required for insurance
agents in Missouri. |
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| Disaster
Assistance |
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| Because
of the potential for a destructive earthquake in Missouri and other
parts of the country, we support legislation to establish a federal
earthquake insurance program to form a workable partnership between
federal government and the private insurance industry. |
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| Farm
Bureau Insurance |
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| We support
the Farm Bureau Insurance Companies in their continued efforts to be
the major insurer of farmers and rural residents. The Farm Bureau
Insurance Companies were chartered more than 50 years ago to write
business in rural Missouri, and we believe that continues to be the
main purpose for the Companies' existence. |
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| Health
Insurance |
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| We believe
the first concern of health insurance providers should be for their
subscribers. |
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| We believe
that Farm Bureau should make available the best possible health care
coverage at the most affordable rates. In addition, we believe that
all areas of the state should have available cost saving programs
such as preferred provider organizations. |
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| We
support the immediate implementation of state and federal tax
deductions of the full amount paid by a self-employed taxpayer as a
small business expense deduction, including retired or semi-retired
individuals, for health insurance. |
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| We believe it
is a reasonable expectation for insurance companies to offer health
insurance to individuals with pre-existing conditions at a
comparable cost to basic health care plans, assuming that they have
proof of basic health insurance coverage in the past. |
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| We do not
support efforts to restrict a Medicare eligible citizen's ability to
privately contract with a physician for medical service beyond
Medicare-approved treatment. |
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| No-Fault
Insurance |
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| We encourage
support of a modified no-fault insurance plan for Missouri that
would save money for both the policyholder and insurance carrier. |
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| Proof of
Insurance |
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| We believe
that the state of Missouri should require proof of insurance at the
time of license renewal. Insurance companies should be required to
notify the state of Missouri whenever a licensee cancels or drops
the insurance or bond required by the law. Further, that the state
of Missouri, when notified, notify the licensee that their license
is suspended until the required insurance or bond is reestablished. |
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| Rates |
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| We believe
the use of age, gender, marital status, geographical location, and
driving record is a fair and equitable basis for establishing auto
rates. |
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| We believe
open competition rating is the best way to assure a strong insurance
industry and better services for the people of Missouri. |
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| Safe
Driving |
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| We support a
safe-driving program for teenagers coupled with financial incentives
at the end of five years if the driver remains claim-free. |
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| Uninsured
Motorists |
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| Anyone who is
involved in an accident who is driving with a suspended or revoked
drivers license, or whose vehicle is not licensed, or who does not
have automobile insurance on that vehicle, should not be able to
collect benefits or proceeds from any person or insurance company
regardless of who is at fault and should be denied a valid drivers
license for a period of no less than six months. |
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