Front: Rose and Larry Leffelman Back: Mary Reglin, Julie Burkardt, Lexi Willey, Chris Klein, Riley Klein, Karli Althaus, Lisa Quest Happy holidays, everyone! As another year comes and goes, we'd like to fill you in on a few of the things we've been doing over here at Leffelman & Associates. Between helping our local friends navigate life after some of the challenges this year's weather brought with tornadoes, hail, and high winds, or celebrating their new purchases of homes and autos, we have been BUSY. One of the biggest questions we've heard this year has been "why has our insurance premium grown so much?" This might be a strange place to explain it, but we feel the need to let you know what's really going on. Catastrophic weather and economic fallout from the pandemic have created challenges and stresses at a level never seen before in the insurance industry. Catastrophic weather events used to happen on the coasts or in other states. This year, just OUR local region sustained 5 large weather losses which forced the companies to file claims with their reinsurance companies. These events and inflation drive up the cost of reinsurance, which drives up the cost of your insurance policy. And this doesn't include the problem of increased costs of and the ability to get materials and parts, increased labor costs, and legal system abuse. All these things contribute to a reduced appetite for risk by the insurance companies, which makes insurance a hard thing to write! But we are working diligently to make sure that all our customers have insurance during this very difficult time. We've been getting quite a workout, but it's making us stronger! Whatever comes along, we do our best to take care of all our customers' insurance needs. Our product is financial security, and we are here to protect our customers. So this Christmas Card goes out to you with heartfelt prayers from all of us, that you and your families will have a warm and wonderful Christmas and a new year filled with health and happiness. May the Christmas Spirit be with you and your family today & throughout the New Year! LEFFELMAN & ASSOCIATES INC. Our Family Protecting Your Family Trusted Choice Like us on facebook P.O. Box 349, Sublette, IL 61367 Sublette 849-5219 LaMoille 638-2171. Amboy 857-2125 Front : Rose and Larry Leffelman Back : Mary Reglin , Julie Burkardt , Lexi Willey , Chris Klein , Riley Klein , Karli Althaus , Lisa Quest Happy holidays , everyone ! As another year comes and goes , we'd like to fill you in on a few of the things we've been doing over here at Leffelman & Associates . Between helping our local friends navigate life after some of the challenges this year's weather brought with tornadoes , hail , and high winds , or celebrating their new purchases of homes and autos , we have been BUSY . One of the biggest questions we've heard this year has been " why has our insurance premium grown so much ? " This might be a strange place to explain it , but we feel the need to let you know what's really going on . Catastrophic weather and economic fallout from the pandemic have created challenges and stresses at a level never seen before in the insurance industry . Catastrophic weather events used to happen on the coasts or in other states . This year , just OUR local region sustained 5 large weather losses which forced the companies to file claims with their reinsurance companies . These events and inflation drive up the cost of reinsurance , which drives up the cost of your insurance policy . And this doesn't include the problem of increased costs of and the ability to get materials and parts , increased labor costs , and legal system abuse . All these things contribute to a reduced appetite for risk by the insurance companies , which makes insurance a hard thing to write ! But we are working diligently to make sure that all our customers have insurance during this very difficult time . We've been getting quite a workout , but it's making us stronger ! Whatever comes along , we do our best to take care of all our customers ' insurance needs . Our product is financial security , and we are here to protect our customers . So this Christmas Card goes out to you with heartfelt prayers from all of us , that you and your families will have a warm and wonderful Christmas and a new year filled with health and happiness . May the Christmas Spirit be with you and your family today & throughout the New Year ! LEFFELMAN & ASSOCIATES INC . Our Family Protecting Your Family Trusted Choice Like us on facebook P.O. Box 349 , Sublette , IL 61367 Sublette 849-5219 LaMoille 638-2171 . Amboy 857-2125