Imposter scams are becoming commonplace. If you receive a call from someone claiming to be an F&M Trust employee, don’t trust your caller ID - it may be an imposter attempting to gain access to your account. F&M Trust will not ask you to provide your online banking username and password and will never ask for sensitive personal information by text or email. Never click on any links that person might send you and, if you receive a verification code by text, phone, or email, do not give it to anyone. If you aren’t sure about the caller’s identity, please hang up and call F&M Trust directly at (717) 264-6116, or visit your local community office.
Show MoreDetermining the appropriate amount of life insurance to buy can be complex if you own a business or have a large estate with tax concerns. For the rest of us, factors that may impact the decision include household debt, loss of income, and the number and ages of any children or dependents you leave behind. If the insured is employed, it is common to need to replace 15-20 years of lost wages in case of their death.
At F&M Trust, we first consider term policies to provide the highest benefit for the lowest cost. We can assist you in determining the amount of insurance you need, and the best type of policy for your situation.
To get started figuring out how much you might need in life insurance, try our handy calculator.
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