IMC

WELCOME!

INSURANCE MANAGEMENT CONSULTANTS is one of Kansas City's top insurance agencies.  Since the 1960's, we've provided our clients a complete range of superior products and services and saved them a lot of money in the process.  We operate locally in the KC Metropolitan area with a firm commitment to exceptional service to our valued clients.

Why should you buy from an Independent Agent?

As an independent agent, we don't work for a single insurance company, WE WORK FOR YOU.   Unlike "captive" agents that can only represent one company, we're able to work with many of the strongest and most respected insurance companies in the world.  You'll have access to high quality products from companies that have outstanding reputations for fast and fair claims service.

We will personally work with you to ensure you are getting the best protection at the least expensive price.  At absolutely NO COST to you, we can provide a complete analysis of your insurance needs.  Then we will assist you in selecting the products/companies that best meets your specific situation.   Unlike other independent agents, we will never "charge" you for any of our services.

Our accomplished staff are licensed in Kansas and Missouri and have many years of experience and individually hold a number of professional designations.  Our most important goal at I.M.C. is to help our clients get the finest insurance coverage possible at the most competitive prices, while providing "personalized" service.   You will not get an automated computer to talk to, but a pleasant and knowledgeable person.   We hope to make addressing your insurance needs a fun experience.

This site was designed to provide you with fast information about insurance protection for your home, autos, boats, motorcycles, life and health, and other special risks.  Please browse our website to learn more or contact us at your convenience.

We are licensed in the following States/Provinces
Kansas and Missouri

Home Insurance

Your home is probably your most valuable asset, both as an investment and as your sanctuary in a hectic world.  When your home is damaged or destroyed, you need your claim settled by an insurance company that understands this simple fact.  Coverage availability and prices may vary by company.  We can help you determine which of several companies we represent will best meet your needs and provide the most valuable combination of tailored coverage, quality service and fair pricing.

Depending on the company you choose, you can get discounts for:

• Having a burglar alarm
• Having a newer home
• Being claim free in the past
• Insuring your vehicles with the same company

Other advantages you could enjoy include:

• Repair Guarantees
• 24-Hour Claims Hotline
• Flexible billing - including coordinating with your mortgage company
• Living expense if your home becomes uninhabitable due to a claim

Auto Insurance

For some people a car expresses the essence of their being. To others, it is an object to get from pont A to point B. We offer a variety of coverages and companies to choose from based on your specific needs.

Depending on the company you choose, you can get discounts for:

• Being a Good Driver
• Being a Good Student
• Driving a Safe Car
• Having a Homeowner's Policy with your auto insurance carrier

Other advantages you could enjoy:

• Free Windshield Repair
• 24-Hour Claims Hotline
• Guarantee on Repairs
• Flexible Payment Options

Advantages vary from company to company and some require the purchase of certain coverages. We will review your options with you to find the company and coverage that are right for you.

Watercraft Insurance

Being on the water should be fun.  Whether you own a personal watercraft or a 40-foot cruiser, knowing that you are properly insured should give you the peace of mind to relax and enjoy every nautical mile.

You may qualify for some of these credits and discounts.  Credits you may be eligible include:

• Account credits (if you have more than one policy insured with a company)
• Diesel fuel credits
• Safety equipment credits
• Safety course credits for state boating, as well as Coast Guard and Power Squadron courses

Talk to us for more information about how you can lower your premium.

Most policies include:

• Physical Damage Coverage for your Watercraft, Motor, Equipment and Trailer -  Coverage is provided for a wide range of hazards including theft, weather, fire, and collision.  We can provide coverage for you on an Agreed Value or Actual Cash Value basis.
• Liability Coverage -  Your financial and property assets are protected if the operation of your boat causes injury or property damage to others.   We offer a wide variety of liability limits to meet your needs.
• Medical Payments -  All friends and family you welcome aboard are covered.  We offer coverage for water skiers and wake boarders as well.
• Emergency Assistance Coverage -  Our policies provide coverage for towing and labor costs when your watercraft is disabled.
• Protection that travels with you -  We offer generous navigational limits around the U.S. and Canada.  We can also provide some limited extensions of coverage for areas such as Bahamas and Mexico.

Umbrella Insurance

In today's world there is a need for an additional layer of liability protection.  Purchasing a personal umbrella policy provides protection of your family's assets against a catastrophic judgement.

People who are most in need of an umbrella

• Anyone having assets
• Families with young drivers
• Owners of boats or personal watercraft
• Anyone with a swimming pool
• Rental property owners
• Owners of recreational vehicles

Advantages of choosing IMC

• Knowledgeable and helpful staff
• Flexible payment options
• 24-hour claims reporting
• Located in the Kansas City area since 1960

Life Insurance

The Value of Life Insurance

Life insurance is a crucial step in planning for your future and the future of your loved ones.  It can fulfill promises made to your family if you are no longer around by providing a death benefit to your beneficiaries in return for premiums paid to the insurance company.  Life insurance can also provide benefits while you are living.

Advantages of the Death Benefit

• Provides income tax-free money to your named beneficiary(s) that can be used to pay funeral expenses, debt, tuition, estate taxes or virtually any financial need you leave behind.
• Can provide business security by enablng partners to buy out the interests of a deceased partner and prevent a forced liquidation.

Advantages of Living Benefits

• The cash value growth of a permanent life insurance policy is tax-deferred¹, which means you do not pay taxes on the growth of the cash value unless the money is withdrawn.
• Loans² or withdrawals can be taken against the cash value of a permanent life insurance policy to help with expenses, such as college tuition or the down payment on a home.

¹Accumulated growth may be taxable upon withdrawal.  If the policy is a Modified Endowment Contract(MEC), tax penalties may apply prior to age 59 1/2.  Consult a tax advisor on your specific situation.   ²Policy loans and withdrawal reduce cash value and the death benefit may be subject to other charges outlined in the contract

Assessing Your Need

The amount of life insurance you select should be dependent on your personal and financial needs.   We can assist you in determining an appropriate coverage amount and help you decide on which type of life insurance is right for you.

Generally, you should consider life insurance if you have:

• A spouse
• Dependent children
• Aging parents or a physically-challenged relative who depends on you for support
• Retirement savings that is not sufficient to ensure your spouse's future financial well-being
• A sizable estate
• A business

Life Changes - So Should Your Policy

As events happen in your life, your life insurance coverage may need to change to adapt to your current needs.   Some life changes that may require you to reevaluate your coverage include marriage, divorce, a new baby, purchase of a new home and retirement.

Types of Life Insurance

There are several different types of life insurance products available. The most common include:

• Term Life Insurance -  Term provides life insurance protection for a specified period of time.   If you do not currently have life insurance, term can be a good place to start. It is generally less expensive than permanent life insurance and is available in varying term periods with fixed premiums from a one - (annual renewable term) to 20-year period (level term).  Furthermore, term insurance is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.
• Whole Life Insurance -  Whole life is a form of permanent life insurance that remains in force during the insured person's lifetime, provided premiums are paid as specified in the policy.  Whole life insurance can build cash value.
• Universal Life Insurance -  Universal life is a form of permanent life insurance characterized by its flexible premiums, flexible face amounts and unbundled pricing structure.   Universal life can build cash value, which earns an interest rate that may adjust periodically but is usually guaranteed not to fall below a certain percentage.

Helpful Resources

• Insurance Information Institute  A non-profit group sponsored by the insurance industry to provide general information about insurance.  This is an excellent resource for unbiased information.  Order publications at the web site via http://www.iii.org.

• Highway Loss Data Institute  Information on car theft, collision and injury listed by car make, model and year.  Also, extensive highway safety tips and information via the web site http://www.carsafety.org.

• Insurance Institute for Highway Safety  Excellent information and sobering statistics on automobile safety at the web site via http://www.hwysafety.org.

• National Flood Insurance Program Information  Includes a wealth of information on how to insure homes against flooding.  The official web page for the Federal Emergency Management Agency is http://www.fema.gov/business/nfip/

• The Life and Health Insurance Foundation for Education  The Life and Health Insurance Foundation for Education (LIFE) is a non-profit organization designed to address the public's growing need for information and education on life, health, and disability insurance.  LIFE also seeks to remind people of the important role agents perform in helping families, businesses, and individuals find the insurance products that best fit their needs.  The web site is http://www.life-line.org.

Companies we represent

*Click on the logo to directly access their homepage

Claims

24 Hours / 7 days CLAIMS Reporting phone number (only use if you absolutely want to file a claim).

• Travelers 1-800-252-4633
• Safeco 1-800-332-3226
• Encompass 1-800-588-7400
• Balboa (formerly Atlantic Mutual) 1-800-945-7461
• Hartford 1-800-624-5578
• Fireman's Fund 1-888-347-3428
• Kemper 1-888-252-2799
• Fidelity National 1-800-849-6140
• AAA 1-800-222-7623
• Progressive 1-800-274-4499
• Metlife 1-800-854-6011
• ALLIED 1-800-282-1466
• AUTO OWNERS 1-888-252-4353