Farm Bureau Property and Casualty 800-226-6383 Farm Family Casualty Insurance Company 800-948-3276 Farmers 800-435-7764 Farmers Mutual Fire Insurance Company of Salem County (NJ) 800-498-0954 FCCI (first report of injury) 800-226-3224 Federated Mutual Insurance Company 888-333-4949 Federated National Insurance Company 800-293-2532 By law, any employer in Virginia with more than two employees must carry workers’ compensation insurance. The state requires a minimum amount of employers’ liability. Your Virginia Farm Bureau agent can identify the right coverage amounts for your business. A standard policy includes three types of coverage:As a member benefit, Florida Farm Bureau offers both its farmer and rancher and consumer members an array of insurance services through Florida Farm Bureau Insurance. Benefits include auto, flood, homeowners, life and crop protection. View the insurance benefits below or visit FloridaFarmBureau.com to contact a local insurance agent. Property and Casualty Products: Offered … Continue reading ... Jan 21, 2022 · Shaw v. Farm Bureau Property & Casualty Insurance Co., No. 21-1481 (8th Cir. 2022) The Eighth Circuit affirmed the district court's grant of summary judgment in favor of plaintiffs in an action brought against their insurance company, seeking payment of the policy limit in full on the claim for the second of two fires that destroyed their house. FBL Financial Group (NYSE: FFG +0.2%) shareholders approve transaction wherein Farm Bureau Property & Casualty Insurance Company (or FBPCIC) will acquire all outstanding shares of FBL Financial ...May 21, 2021 · FBL Financial Group (NYSE: FFG +0.2%) shareholders approve transaction wherein Farm Bureau Property & Casualty Insurance Company (or FBPCIC) will acquire all outstanding shares of FBL Financial ... Each of following insurers who transact business in California are domiciled in California and have their principal place of business in Los Angeles, CA: Farmers Insurance Exchange (#R 201), Fire Insurance Exchange (#1267-4), Truck Insurance Exchange (#1199-9), Mid-Century Insurance Company (#1428-2). Mississippi Farm Bureau Insurance | 914 followers on LinkedIn. Go With The Home Team | Mississippi Farm Bureau Insurance has been providing local agents, adjusters, and support staff, great rates ...Iowa Farm Bureau. 5400 University Ave. West Des Moines IA 50266. Customer Service ...WHEREAS, FBPCIC and WAIC are licensed to provide property and casualty insurance to Farm Bureau members and others in their service areas; and WHEREAS, FBMHC, FBMSSI, FBPCIC and WAIC desire to establish an arrangement with a reputable management firm which will facilitate offering more diversified property and casualty insurance than it can ... As a member benefit, Florida Farm Bureau offers both its farmer and rancher and consumer members an array of insurance services through Florida Farm Bureau Insurance. Benefits include auto, flood, homeowners, life and crop protection. View the insurance benefits below or visit FloridaFarmBureau.com to contact a local insurance agent. Property and Casualty Products: Offered … Continue reading ... Office. 804-290-1000. Virginia Farm Bureau Mutual Insurance Company. 12580 West Creek Parkway. Richmond, VA 23238. South Carolina Farm Bureau Federation. A family-oriented non-profit organization that represents all South Carolina farmers and the entire agricultural community, providing education and a unified voice in government. Southern Farm Bureau Casualty Insurance Company. A regional property and casualty insurance company that operates in South ... Farm Bureau Life Insurance Company has been named to the Life-Health Ward’s 50 ® list 24 times, most recently in 2023. Farm Bureau Property & Casualty Insurance Company has been recognized on the Property-Casualty Ward’s 50 ® list 9 years in a row, most recently in 2023. Policy Type. Get started by selecting your policy type: Property & Vehicle Life & Annuities Business & Ag. Property-casualty insurance products are offered through Farm Bureau Property & Casualty Insurance Company+* and Western Agricultural Insurance Company+*/West Des Moines, IA and are intended for residents of AZ, IA, KS, MN, NE, NM, SD and UT.Farm Bureau Property & Casualty Insurance Company is an insurance company based in West Des Moines, Iowa. Established in 1939, the company provides property and casualty insurance products to individuals and small businesses in Arizona, Iowa, Kansas, Minnesota, Nebraska, New Mexico, South Dakota, and Utah. It operates as a subsidiary of FBL ...Farm Bureau Mutual Holding Company includes two property-casualty underwriting companies: Farm Bureau Property and Casualty Insurance Company and Western Agricultural Insurance Company. Farm Bureau Property & Casualty Insurance Company (FBPCIC) was formerly known as Farm Bureau Mutual Insurance Company (reorganized and renamed in 2010).5400 University Avenue. West Des Moines, IA 50266-5950. Visit Website. Email this Business. (515) 225-5400. Farm Bureau Auto Insurance Goes the Extra Mile. Vehicle insurance is about protection – for your investment and for you. So whether you drive the latest sports car, a trusty pickup or anything in-between, our number one goal is to set you up with auto insurance that will protect you financially from damages or injuries from motor vehicle ... Louisiana Farm Bureau Insurance | 572 followers on LinkedIn. Real Service. Real People.® Join the Farm Bureau family for local people, great rates, and friendly service. | Louisiana Farm Bureau ... The company was formed in 1939 to write automobile insurance in Iowa. Today, Farm Bureau Property & Casualty Insurance Company and its subsidiary insurance company serve in excess of 360,000 Farm ...Farm Bureau Insurance began selling property and casualty policies in Tennessee in 1948. Farming was a more dangerous occupation than it is now, and many insurance companies were unwilling to insure farm structures. So the farmers of Tennessee, working through the Tennessee Farm Bureau, launched their own insurance company.Iowa Farm Bureau. 5400 University Ave. West Des Moines IA 50266. Customer Service ... For more than 90 years, Nationwide has grown from a small mutual auto insurer owned by policyholders to one of the largest insurance and financial services companies in the world. Early growth came from working together with Farm Bureaus that sponsored the company. Eight Farm Bureaus continue to promote Nationwide. Homeowners Insurance; Renters Insurance Your Way; Protect Your Condo; Mobile Home Insurance; Other Property; Umbrella Coverage; Homeowners Insurance Discounts; Residential Equipment Insurance; Identity Theft Protection Annuities and Life Insurance Policies. Annuities: PO BOX 9168. Des Moines IA 50306-9168. Life: PO BOX 6565. Carol Stream IL 60197-6565. Property, Auto, Home and Business Policies. Farm Bureau Property & Casualty Insurance Company. PO Box 6460. Carol Stream, IL 60197-6460Property-casualty insurance products are offered through Farm Bureau Property & Casualty Insurance Company+* and Western Agricultural Insurance Company+*/West Des Moines, IA and are intended for residents of AZ, IA, KS, MN, NE, NM, SD and UT. May 21, 2021 · FBL Financial Group (NYSE: FFG +0.2%) shareholders approve transaction wherein Farm Bureau Property & Casualty Insurance Company (or FBPCIC) will acquire all outstanding shares of FBL Financial ... Property-casualty insurance products are offered through Farm Bureau Property & Casualty Insurance Company+* and Western Agricultural Insurance Company+*/West Des Moines, IA and are intended for residents of AZ, IA, KS, MN, NE, NM, SD and UT.Louisiana Farm Bureau Insurance | 572 followers on LinkedIn. Real Service. Real People.® Join the Farm Bureau family for local people, great rates, and friendly service. | Louisiana Farm Bureau ... Our History. We got our start in 1953. That’s when NC Farm Bureau leaders, concerned by a lack of insurance coverage for farmers and rural communities in North Carolina, formed the North Carolina Farm Bureau Mutual Insurance Company. Although our company began with a mission to provide affordable insurance to farmers, our current products and ... The company was formed in 1939 to write automobile insurance in Iowa. Today, Farm Bureau Property & Casualty Insurance Company and its subsidiary insurance company serve in excess of 360,000 Farm Bureau client/members in eight Midwest and Western states through a network of over 900 exclusive multi-line agents and agency managers, offering a ... Farm Bureau Property and Casualty 800-226-6383 Farm Family Casualty Insurance Company 800-948-3276 Farmers 800-435-7764 Farmers Mutual Fire Insurance Company of Salem County (NJ) 800-498-0954 FCCI (first report of injury) 800-226-3224 Federated Mutual Insurance Company 888-333-4949 Federated National Insurance Company 800-293-2532 Operating under the consumer brand name Farm Bureau Financial Services, its affiliates offer a broad range of life insurance, annuity and investment products distributed by multiline exclusive ...For more than 90 years, Nationwide has grown from a small mutual auto insurer owned by policyholders to one of the largest insurance and financial services companies in the world. Early growth came from working together with Farm Bureaus that sponsored the company. Eight Farm Bureaus continue to promote Nationwide. Meet Steve. Farm Bureau Agent for 18 years. Hi, I'm Steve Bermel. I've been a Farm Bureau agent since 2004. Give me a call today to learn how I can make it easy to protect the things that are most important to you -- your home, family, farm and future. I look forward to showing you how simple insurance can be. Annuities and Life Insurance Policies. Annuities: PO BOX 9168. Des Moines IA 50306-9168. Life: PO BOX 6565. Carol Stream IL 60197-6565. Property, Auto, Home and Business Policies. Farm Bureau Property & Casualty Insurance Company. PO Box 6460. Carol Stream, IL 60197-6460Each of following insurers who transact business in California are domiciled in California and have their principal place of business in Los Angeles, CA: Farmers Insurance Exchange (#R 201), Fire Insurance Exchange (#1267-4), Truck Insurance Exchange (#1199-9), Mid-Century Insurance Company (#1428-2).Based at 5400 UNIVERSITY AVE, United States, FARM BUREAU PROPERTY & CASUALTY INSURANCE COMPANY is a Private limited company (Ltd.) company that is listed as Active. The company has 67 employees. FARM BUREAU PROPERTY & CASUALTY INSURANCE COMPANY began trading on 1 January 1992 and their registration number is 390305. FARM BUREAU PROPERTY & CASUALTY INSURANCE COMPANY’s latest confirmation ...Iowa Farm Bureau. 5400 University Ave. West Des Moines IA 50266. Customer Service ...Workers’ Compensation Coverage. You do your best to make your business, farm or ranch a safe place for your employees, but accidents can happen in any workplace. Workers' compensation insurance can protect you and your employees from the high cost of unexpected workplace injuries. While coverage requirements vary by state, workers ... Annuities and Life Insurance Policies. Annuities: PO BOX 9168. Des Moines IA 50306-9168. Life: PO BOX 6565. Carol Stream IL 60197-6565. Property, Auto, Home and Business Policies. Farm Bureau Property & Casualty Insurance Company. PO Box 6460. Carol Stream, IL 60197-6460 Farm Bureau Property & Casualty Insurance Company is an insurance company based in West Des Moines, Iowa. Established in 1939, the company provides property and casualty insurance products to individuals and small businesses in Arizona, Iowa, Kansas, Minnesota, Nebraska, New Mexico, South Dakota, and Utah. It operates as a subsidiary of FBL ...Securities & services offered through FBL Marketing Services, LLC+, 5400 University Ave., West Des Moines, IA 50266, 877/860-2904, Advisory services offered through FBL Wealth Management, LLC+. Individual must be a registered representative of FBL Marketing Services, LLC or an investment adviser representative with FBL Wealth Management, LLC+ ...Web: www.fbfs.com Phone: 515-225-5400 Fax: 515-453-3306. AM Best Rating Unit: AMB #: 004233 - Farm Bureau Property & Casualty Group. Assigned to insurance companies that have, in our opinion, an excellent ability to meet their ongoing insurance obligations. View additional news, reports and products for this company. Today, Southern Farm Bureau Casualty is a $2 billion company and is in the top of its class with an A.M. Best “A+” Superior rating – a designation achieved by only 3 percent of property and casualty insurers in the nation. Southern Farm Bureau Casualty has become a leader in the insurance industry through innovative services and ...Mississippi Farm Bureau Insurance has been providing local agents, adjusters, and support staff, great rates, and friendly service throughout Mississippi. For 75 years, Farm Bureau Insurance has ... The BusinessMax Advantage ®. Farm Bureau BusinessMax business insurance is designed to help protect your business from potential losses – and keep it running smoothly, should the unexpected occur. Designed as a packaged policy that provides both property and liability coverage, our BusinessMax policies are tailored to your specific business ... Office. 804-290-1000. Virginia Farm Bureau Mutual Insurance Company. 12580 West Creek Parkway. Richmond, VA 23238.I'm here to make insurance simple for you (and depending on your situation, I might even save you some money). I'm committed to helping you prepare for the future and protect what matters most. Let me help you through all stages of your life. Call (928) 649-8686 for your no obligation consultation today! More about Jonna. Property-casualty insurance products are offered through Farm Bureau Property & Casualty Insurance Company+* and Western Agricultural Insurance Company+*/West Des Moines, IA and are intended for residents of AZ, IA, KS, MN, NE, NM, SD and UT. 5400 University Avenue. West Des Moines, IA 50266-5950. Visit Website. Email this Business. (515) 225-5400. Operating under the consumer brand name Farm Bureau Financial Services, its affiliates offer a broad range of life insurance, annuity and investment products distributed by multiline exclusive ...Farm Bureau Insurance Ratings & Coverages. Farm Bureau Financial Services was founded in 1939 as Iowa Farm Mutual Insurance Company to cover farmers with liability insurance. It has expanded to offer multiple insurance lines of coverage.There are multiple companies that make up the Farm Bureau Financial Services brand.Farm Bureau Property & Casualty Insurance Company. BestLink. AMB #: 000354 NAIC #: 13773 FEIN #: 420331872. Domiciliary Address. 5400 University Avenue. West Des Moines, Iowa 50266-5997. United States. Web: www.fbfs.com Phone: 515-225-5400 Fax: 515-453-3306. AM Best Rating Unit: AMB #: 004233 - Farm Bureau Property & Casualty Group.5400 University Avenue. West Des Moines, IA 50266-5950. Visit Website. Email this Business. (515) 225-5400.Jan 19, 2023 · Top 40: Passenger Auto; Rank NAIC # Company Premium $ Market Share %; 1: 29203: Progressive County Mutual Insurance Company: $ 3,795,014,379: 16.06: 2: 25178: State ... Foremost Choice ® Property & Casualty: Foremost Insurance Company- Grand Rapids, Michigan, Foremost Property and Casualty Insurance Company, Foremost Signature Insurance Company, Foremost County Mutual Insurance Company and Foremost Lloyds of Texas comprise the Foremost Insurance Group. Home office, Caledonia, MI. For more than 90 years, Nationwide has grown from a small mutual auto insurer owned by policyholders to one of the largest insurance and financial services companies in the world. Early growth came from working together with Farm Bureaus that sponsored the company. Eight Farm Bureaus continue to promote Nationwide.Office. 804-290-1000. Virginia Farm Bureau Mutual Insurance Company. 12580 West Creek Parkway. Richmond, VA 23238.May 21, 2021 · Operating under the consumer brand name Farm Bureau Financial Services, its affiliates offer a broad range of life insurance, annuity and investment products distributed by multiline exclusive ... Virginia Farm Bureau Mutual Insurance Company ® was founded to protect the lives and livelihoods of Virginia's farmers. But today, we continue to offer the same reliable coverage to all Virginians. 2018-2022 Winner. Find your local agent. Like on Facebook Follow on Twitter Property-casualty insurance products are offered through Farm Bureau Property & Casualty Insurance Company+* and Western Agricultural Insurance Company+*/West Des Moines, IA and are intended for residents of AZ, IA, KS, MN, NE, NM, SD and UT.I'm here to make insurance simple for you (and depending on your situation, I might even save you some money). I'm committed to helping you prepare for the future and protect what matters most. Let me help you through all stages of your life. Call (928) 649-8686 for your no obligation consultation today! More about Jonna. By law, any employer in Virginia with more than two employees must carry workers’ compensation insurance. The state requires a minimum amount of employers’ liability. Your Virginia Farm Bureau agent can identify the right coverage amounts for your business. A standard policy includes three types of coverage:I'm here to make insurance simple for you (and depending on your situation, I might even save you some money). I'm committed to helping you prepare for the future and protect what matters most. Let me help you through all stages of your life. Call (928) 649-8686 for your no obligation consultation today! More about Jonna.Top 40: Passenger Auto; Rank NAIC # Company Premium $ Market Share %; 1: 29203: Progressive County Mutual Insurance Company: $ 3,795,014,379: 16.06: 2: 25178: State ...Staying in Touch. As a member/policy holder, Farm Bureau’s mission is to serve you. In times of uncertainty—like now, with Coronavirus—you’re more than just a policyholder, you’re part of our family. To that end, we want to provide options to keep in touch; like conducting your business virtually through your 24/7 online account or ... 118 Farm Bureau Property & Casualty Insurance Company jobs available on Indeed.com. Apply to Claims Representative, Customer Service Representative, Commercial Sales Executive and more! Farm Bureau Insurance began selling property and casualty policies in Tennessee in 1948. Farming was a more dangerous occupation than it is now, and many insurance companies were unwilling to insure farm structures. So the farmers of Tennessee, working through the Tennessee Farm Bureau, launched their own insurance company.Policy Type. Get started by selecting your policy type: Property & Vehicle Life & Annuities Business & Ag. Mississippi Farm Bureau Casualty Insurance State Office. 6311 Ridgewood Road. Jackson, MS 39211. (601) 957-3200.Jul 12, 2023 · United Property and Casualty, a Florida insurance company that is in liquidation, wrote that between 1851 and 2018, 41% of the 292 hurricanes that hit the U.S. in that time frame also hit Florida ... Aug 21, 2023 · Determine whether Texas Farm Bureau Casualty Insurance grew or shrank during the last recession. This is useful in estimating the financial strength and credit risk of the company. Compare how recession-proof Texas Farm Bureau Casualty Insurance is relative to the industry overall. 5400 University Avenue. West Des Moines, IA 50266-5950. Visit Website. Email this Business. (515) 225-5400.Securities & services offered through FBL Marketing Services, LLC+, 5400 University Ave., West Des Moines, IA 50266, 877/860-2904, Advisory services offered through FBL Wealth Management, LLC+. Individual must be a registered representative of FBL Marketing Services, LLC or an investment adviser representative with FBL Wealth Management, LLC+ ... Office. 804-290-1000. Virginia Farm Bureau Mutual Insurance Company. 12580 West Creek Parkway. Richmond, VA 23238. One-Stop-Shop Service. Whether you need homeowners insurance or a competitive quote, have a policy question, want to save money with discounts or need to file a claim, we’re the only call you need to make. We can offer personalized service and support that algorithms and computer programs just can’t. 1In IA, SD and UT it is called ... One-Stop-Shop Service. Whether you need homeowners insurance or a competitive quote, have a policy question, want to save money with discounts or need to file a claim, we’re the only call you need to make. We can offer personalized service and support that algorithms and computer programs just can’t. 1In IA, SD and UT it is called ... Louisiana Farm Bureau Insurance | 572 followers on LinkedIn. Real Service. Real People.® Join the Farm Bureau family for local people, great rates, and friendly service. | Louisiana Farm Bureau ... WEST DES MOINES, Iowa-- ( BUSINESS WIRE )--Farm Bureau Property & Casualty Insurance Company (“FBPCIC”) today announced that it has completed its transaction with FBL Financial Group,...Aug 21, 2023 · Determine whether Texas Farm Bureau Casualty Insurance grew or shrank during the last recession. This is useful in estimating the financial strength and credit risk of the company. Compare how recession-proof Texas Farm Bureau Casualty Insurance is relative to the industry overall. Our History. We got our start in 1953. That’s when NC Farm Bureau leaders, concerned by a lack of insurance coverage for farmers and rural communities in North Carolina, formed the North Carolina Farm Bureau Mutual Insurance Company. Although our company began with a mission to provide affordable insurance to farmers, our current products and ...As a member benefit, Florida Farm Bureau offers both its farmer and rancher and consumer members an array of insurance services through Florida Farm Bureau Insurance. Benefits include auto, flood, homeowners, life and crop protection. View the insurance benefits below or visit FloridaFarmBureau.com to contact a local insurance agent. Property and Casualty Products: Offered … Continue reading ... Property-casualty insurance products are offered through Farm Bureau Property & Casualty Insurance Company+* and Western Agricultural Insurance Company+*/West Des Moines, IA and are intended for residents of AZ, IA, KS, MN, NE, NM, SD and UT. The BusinessMax Advantage ®. Farm Bureau BusinessMax business insurance is designed to help protect your business from potential losses – and keep it running smoothly, should the unexpected occur. Designed as a packaged policy that provides both property and liability coverage, our BusinessMax policies are tailored to your specific business ...Advisory services offered through FBL Wealth Management, LLC.+ Property-casualty insurance products are offered through Farm Bureau Property & Casualty Insurance Company+* and Western Agricultural ... Southern Farm Bureau Casualty Insurance Company. Southern Farm Bureau Casualty Insurance Company is headquartered in Ridgeland, Mississippi. We market insurance products through our six state offices and the independent contractor agents in those states. Jan 19, 2023 · Top 40: Passenger Auto; Rank NAIC # Company Premium $ Market Share %; 1: 29203: Progressive County Mutual Insurance Company: $ 3,795,014,379: 16.06: 2: 25178: State ... BestLink. AMB #: 000354 NAIC #: 13773 FEIN #: 420331872. Domiciliary Address. 5400 University Avenue. West Des Moines, Iowa 50266-5997. United States. Web: www.fbfs.com Phone: 515-225-5400 Fax: 515-453-3306. AM Best Rating Unit: AMB #: 004233 - Farm Bureau Property & Casualty Group. Visit the AM Best Rating Services site for access to this ...
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Based at 5400 UNIVERSITY AVE, United States, FARM BUREAU PROPERTY & CASUALTY INSURANCE COMPANY is a Private limited company (Ltd.) company that is listed as Active. The company has 67 employees. FARM BUREAU PROPERTY & CASUALTY INSURANCE COMPANY began trading on 1 January 1992 and their registration number is 390305. FARM BUREAU PROPERTY & CASUALTY INSURANCE COMPANY’s latest confirmation ...Property-casualty insurance products are offered through Farm Bureau Property & Casualty Insurance Company+* and Western Agricultural Insurance Company+*/West Des Moines, IA and are intended for residents of AZ, IA, KS, MN, NE, NM, SD and UT. Ag Advantage You can qualify for an immediate premium discount when you write your farm or ranch policy with us. Ag + Rewards The more you add, the more you get rewarded. Add auto coverage to your existing ag policy to earn a discount. Add umbrella coverage and you could save even more. 1No. 1 ag insurer across our 8-state territory; 2021 SNL P ...Property-casualty insurance products are offered through Farm Bureau Property & Casualty Insurance Company+* and Western Agricultural Insurance Company+*/West Des Moines, IA and are intended for residents of AZ, IA, KS, MN, NE, NM, SD and UT. Annuities and Life Insurance Policies. Annuities: PO BOX 9168. Des Moines IA 50306-9168. Life: PO BOX 6565. Carol Stream IL 60197-6565. Property, Auto, Home and Business Policies. Farm Bureau Property & Casualty Insurance Company. PO Box 6460. Carol Stream, IL 60197-6460Web: www.fbfs.com Phone: 515-225-5400 Fax: 515-453-3306. AM Best Rating Unit: AMB #: 004233 - Farm Bureau Property & Casualty Group. Assigned to insurance companies that have, in our opinion, an excellent ability to meet their ongoing insurance obligations. View additional news, reports and products for this company. United Property and Casualty, a Florida insurance company that is in liquidation, wrote that between 1851 and 2018, 41% of the 292 hurricanes that hit the U.S. in that time frame also hit Florida ...Southern Farm Bureau Casualty Insurance Company (SFBCIC) is a multi-line regional property and casualty insurance company established to provide quality service and competitive rates for our policyholders. This is supported today by our conservative leadership’s commitment to solid growth and investment. We are one of the largest property and ...Farm Bureau Property & Casualty Insurance Company is an insurance company based in West Des Moines, Iowa. Established in 1939, the company provides property and casualty insurance products to individuals and small businesses in Arizona, Iowa, Kansas, Minnesota, Nebraska, New Mexico, South Dakota, and Utah. It operates as a subsidiary of FBL ...Expect insurance tailored for your needs and your budget, plus exclusive discounts at local and national businesses and events. And when you get Farm Bureau insurance coverage, you also become a member of the Virginia Farm Bureau family and part of the mission to support Virginia’s agricultural legacy. It’s insurance that does more for you ... Each of following insurers who transact business in California are domiciled in California and have their principal place of business in Los Angeles, CA: Farmers Insurance Exchange (#R 201), Fire Insurance Exchange (#1267-4), Truck Insurance Exchange (#1199-9), Mid-Century Insurance Company (#1428-2).I'm here to make insurance simple for you (and depending on your situation, I might even save you some money). I'm committed to helping you prepare for the future and protect what matters most. Let me help you through all stages of your life. Call (928) 649-8686 for your no obligation consultation today! More about Jonna..