Our Services

PROTECTION AND SECURITY YOU CAN DEPEND ON.

6 Reasons to Choose Argonaut Great Central for Car Insurance

On Your Side Claims Service

After an accident, you want things to get back to normal fast. View online car insurance claims and choose a repair shop in our network to get a written guarantee for as long as you own your vehicle.

Discounts On Car Insurance Rates

We offer many ways to lower your auto insurance rates, including Farm Bureau, good student and multi-policy discounts.

95% Member Satisfaction

Want to know how we handle claims? Find out online from our auto insurance members. Learn why they would recommend us to friends and family and then get an online auto insurance quote today.

Vanishing Deductible

As you shop for online car insurance, keep in mind that we want to reward safe drivers. Our exclusive program reduces your car insurance deductible $100 for every year of safe driving.

On Your Side Review

Make sure your vehicle insurance keeps up with your life. An Argonaut insurance agent can help you get the coverage you need and the discounts you deserve to lower your car insurance rates.

Member Resources

As a member, you can self service your account quickly and easily when and where you want, get answers to your questions, catch up on what we're doing today and see what it means to be a member.

5 Reasons to Choose Argonaut Great Central Homeowners Insurance

Protection for your home against damage, theft and elements.

Home insurance helps pay for damages after a covered event.

Competitive Homeowners Insurance Rates

Get a homeowners insurance quote today so you can get the coverage you need at a price that’s right for you.

Home Insurance Discounts

We offer many discounts to help you save. Bundle your home and auto insurance with Argonaut and save up to 20%.

Superior Claims Service

When tragedy strikes, we’re standing by to guide you through the rebuilding process. Filing a claim should be painless, and getting you back on your feet should be priority number one.

On Your Side® Reviews

Make sure your homeowners insurance coverage keeps up with your life. An Argonaut insurance agent can help you choose the coverage and discounts that fit your needs and your budget.

Protection for Your Family for a Specific Period

Life insurance is a way to protect your family in the event of your death. The money your beneficiaries receive can be used to pay your final expenses, take care of debt and cover the mortgage or rent.

Term life insurance provides protection for a specific period of time, or term. It is most often sold in 10, 20 or 30 year terms. The premium stays the same throughout the term. If the insured person dies during this period, the beneficiaries receive the proceeds tax-free. At the end of each term, the insured may renew the policy (generally at a higher cost) up to age 95.

Advantages and disadvantages of term life insurance

Term life insurance can provide essential protection for your family. It is less expensive than other life insurance options, so you can feel good about the amount of coverage that you can purchase and stay within your budget.

The downside of term life insurance is that it isn't a permanent life insurance solution. Once the term ends, the coverage ends or the premiums increase dramatically. And, the older you are, the more expensive it gets.

Fortunately, you can convert many term life insurance policies to a permanent insurance product such as  whole life insurance, universal life insurance or variable universal life insurance.

If you want to purchase another policy after your term ends, you may have to show evidence of good health to purchase continued protection. An annual renewable term policy may not require this, but your premiums may increase each year.

Keep in mind that as your life changes (for example, marriage, birth of a child or a job promotion), so will your life insurance needs. You should weigh any associated costs before making a purchase. Life insurance has fees and charges including costs of insurance that vary based on the insured person's gender, health and age. There are additional charges for riders that customize a policy to fit your individual needs.

 

Life Insurance Protection with a Fixed Rate of Interest

Whole life is the most common type of permanent life insurance. With whole life insurance, your premium payments remain the same over the life of the policy. You can choose how often you'd like to make premium payments, too – annually, semiannually, quarterly or monthly.

Some whole life policies can be paid up after a certain number of years. When you purchase a policy, you'll know how the cash value will grow over the life of your policy.

Advantages and disadvantages of whole life insurance

There are a number of reasons to consider buying whole life insurance. It's easy to understand. The payments are the same every month. And some whole life policies can be completely paid for after a certain number of years. Because your policy earns a fixed rate of interest, it's easy to predict the growth of your cash value over time.

Whole life insurance is designed for the long-term, so before purchasing, be sure to think about your ability to make premium payments consistently over the life of the policy. While it’s predictable, whole life insurance isn't very flexible. You can't customize it. But, because it’s so predictable and dependable, whole life insurance may be a good option for you.

Keep in mind that as your life changes (for example, marriage, birth of a child or a job promotion), so will your life insurance needs. You should weigh any associated costs before making a purchase. Life insurance has fees and charges including costs of insurance that vary based on the insured person’s gender, health and age. There are additional charges for riders that customize a policy to fit your individual needs.

 

Life Insurance Protection That Stays With You

Universal life insurance provides permanent life insurance protection and access to cash values that grow tax-deferred. The major advantage of UL is flexibility: you can change the protection level of the policy (within bounds) and you control the amount and frequency of payments (again, within bounds).

This life insurance offers protection for your family and strategies for leaving a legacy to them. It can also help small business owners with continuation planning.

Advantages and disadvantages of universal life insurance

A universal life insurance policy has the flexibility to adjust to your changing needs.

Your policy's cash value earns interest based on a contractually-stated financial index (or a blend of indices), and this growth is tax-deferred. You can access your cash value almost anytime.¹

Keep in mind that as your life changes (i.e., marriage, birth of a child or job promotion), so will your life insurance needs. Take care to ensure universal life insurance is suitable for your long-term needs. You should weigh any associated costs before making a purchase.

Life insurance has fees and charges associated with it that include costs of insurance that vary based on the insured person’s sex, health and age, and has additional charges for riders that customize a policy to fit your individual needs.

 

Life Insurance That Includes Investments

Variable universal life insurance is a life insurance product with investment features. It's designed to help you protect your family’s future with life insurance – and give you access to professionally managed investments that can help you accumulate money for your future needs.

You can use the policy for many of your planned financial needs, such as supplemental retirement planning solutions, business planning solutions, long-term care and education funding.

Advantages and Disadvantages of Variable Life Insurance

With a variable universal life policy, you can take advantage of potential market growth because your policy value is invested in underlying sub-accounts which are subject to market fluctuations. Your policy also has the flexibility to adjust to your changing needs.

However, a variable universal life policy puts greater responsibility on you .You assume the investment risk, and you select and monitor your own underlying investment options, instead of the insurance company doing it for you.

Keep in mind that as your life changes (for example, marriage, birth of a child or a job promotion), so will your life insurance needs. Make sure that these strategies and products are suitable for your long-term life insurance needs. Also, make sure you are able to continue premium payments so your policy doesn’t lapse if the market goes down. If you take a loan, withdrawal or partial or whole surrender, your death benefit may be reduced, your policy may lapse or you may face tax consequences.

There are fees and charges for variable life insurance, including a cost of insurance based on characteristics of the insured person such as gender, health and age. There may also be underlying fund charges and expenses, and additional charges for riders that customize a policy to fit your individual needs.