Succession, Retirement, Estate Planning

Many of today's agricultural producers are often too busy managing their daily farm operations to really pay attention to the risk factors facing them at retirement. One result is that few producers are adequately preparing for their retirement or for transferring assets to the next generation. Succession & Retirement planning will benefit those who own farm assets and are thinking about retirement, or working to keep their farm in the family. Succession & Retirement planning can help you: Transfer your operation to the next generation. Plan for a secure retirement. Control estate taxes and administrative costs. Treat family members fairly. Build a transition plan that work's in both prosperous and lean times. *This service is not associated with the sales of insurance, trusts, investments, annuities or any similar products. It is simply to provide you with the information you need to plan for the future of your operation.

Loans

• Real Estate Loans
  Long-term mortgage loans provide a stable source of capital for financing rural real estate assets - farmland or facility purchases and construction of new facilities.
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• Home Loans
  Welcome home to a mortgage lender you already know and trust!
  United FCS is a full service mortgage lender, offering conventional and secondary market home loans for purchase, new construction, refinance, and home improvements.
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• Machinery Loans
  Intermediate-term loans are available to farmers to cover the purchase of new or used equipment and machinery. Loan terms and repayment schedules are flexible to match the loan purpose and income cycle of the borrower.
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• Operating Loans
  Looking for a short-term loan to finance your daily business operations? United FCS has two types of operating loans available to customers.
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• Leases
  Depending on your needs, goals, and situation, a lease may be a better alternative than a traditional loan. A lease allows you to acquire the equipment you need without tying up your capital.
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Insurance

• Multi-peril Crop Insurance
  Multi-peril Crop Insurance (MPCI) protects your crop investment and provides funds to replace lost income when crop yields do not attain a specific level due to many different perils. MPCI coverage is available at a number of different levels, allowing you to tailor the policy to fit your needs.
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• Crop Hail Insurance
  No one knows what the weather holds in store, but having insurance certainly helps to manage the risks that producers face everyday.
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• Life & Disability Insurance
  Group Term Life and Group Term Life & Disability Insurance provide an initial amount of life insurance. This coverage protects your family and farm business from the financial burden of your loan in the event of premature death or disability. Premiums can be locked in for 5, 10, 15, 20 or 30 years.
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• Livestock Risk Protection
  Livestock Risk Protection (LRP) an in insurance product designed to insure against declining market prices, protecting producers from a drop in the market for the period selected. It is managed by the Risk Management Agency and the premiums are subsidized by the Federal government. LRP is available for swine, feeder and fed cattle in a number of states, including Minnesota, South Dakota and Wisconsin.
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