A & M Insurance Agency

🧠 Tid Bit Tuesday: Long-Term Care Edition
Did you know? Nearly 7 out of 10 people over age 65 will need some form of long-term care in their lifetime — whether at home, in assisted living, or in a nursing facility.
And here’s the surprise: Medicare does NOT cover most long-term care costs.
That’s why planning ahead matters. A long-term care policy can help protect your savings, your family, and your independence.
💬 Want to know your options? We’re here to help!

In Observance of Presidents' Day, our office will be closed on Monday, February 16th.
We will reopen with normal business hours the following day, Tuesday, February 17th.
Thank you, and have a safe holiday!

We like this Season! How about you?! ☀️

If you’re wondering why we’re still out there…
It’s because we’re in Season 2 of winter. And the plot twist is wind.
No matter the season:
✔️ Check ND Roads before you go
✔️ Slow down when you see plows
✔️ Give them room to work
North Dakota weather changes fast. So do road conditions. Know before you go at travel.dot.nd.gov

(Graphic reads: There are actually 11 seasons:
Winter
“Maybe It’s Over?” We are here
Psych.
Second Winter
Wind Advisory Again
Drifts Taller Than Your Pickup
Ice Surprise
“Roads look clear” (they’re not)
Actual Thaw
Mud Season
Construction)