Our Atlanta office is working shortened hours. Click here for more details.
Policyholders affected by Hurricane Harvey - Click here
Illinois Policyholders Affected by Recent Severe Weather - Click here
We are working closely with our agency partners to help those affected by the recent severe weather in Christian County. Additionally, the Illinois Department of Insurance has issued guidelines governing the treatment of all consumers affected by this disaster, and we are implementing those and other measures to assist our policyholders in this difficult time.

Our policyholders may contact us with any questions or concerns at 1-800-877-3579 as our staff is ready to help! The Department of Insurance is also available to assist with any complaints regarding disaster-related disputes or issues by calling their toll-free complaint hotline at 1-866-445-5364 or by filing a complaint online at https://mc.insurance.illinois.gov/messagecenter.nsf.
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Our website will be down from Friday evening to Saturday evening. We appreciate your patience!
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Adverse Selection

The tendency of those exposed to a higher risk to seek more insurance coverage than those at a lower risk. Insurers react either by charging higher premiums or not insuring at all, as in the case of floods. (Flood insurance is provided by the federal government but sold mostly through the private market.) In the case of natural disasters, such as earthquakes, adverse selection concentrates risk instead of spreading it. Insurance works best when risk is shared among large numbers of policyholders.

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