Our website is designed to be a comprehensive resource
for information on life and health insurance. You are invited to
browse around all you like. We believe you will find this site to be both interesting and
informative. Please drop by often for the latest news and updates.
Company Profile ...
We are an independent agency and
specializing in Life & Health insurance. We represent a carefully selected group of
highly reputable and financially sound insurance companies, but we work for our clients!
Having multiple companies from which to choose allows us to offer you the most suitable
coverage at the most competitive price.
Our Mission ...
We take our role as agents very seriously and you can
depend on us to fulfill our function in a personalized, professional and conscientious
We are committed to maintaining a high standard
of excellence in all that we do and to establishing a relationship of mutual trust and
respect with all our clients.
General Insurance Concepts ...
The purpose of insurance is to spread risk
amongst others and is intended to provide a practical solution to economic uncertainties
and unexpected losses. It is one of the five methods you may use to manage and control
Examples of risk reduction is the installation of smoke detectors,
sprinkler systems, burglar and fire alarm systems and the use of air bags in autos.
Some insurance companies offer special rate reductions when you have some of
There are also different types of insurers:
Mutual Company Insurer:
The owners of this company are the policy owners, not
shareholders. Policy owners may receive dividends, but unlike a stock company
dividend, the dividends represent a return of premium.
This is just a brief overview.
For more detailed
information on specific types of insurance refer to our
Products and Services page.
Contact Information ...
McClaren & Associates
3704 Wakefield Drive
Columbia, MO 65203-4463