We ensure the protection of our clients through transparency, perspective, and insight.
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Get to Know Us
About EM Ford
Over the past nine decades, EM Ford has expanded into a full-service independent insurance agency and financial planning group, offering clients not just protection from misfortunes but strategies for building wealth.
We have over 30 knowledgable employees ready to assist you from our two Kentucky locations in Owensboro and Henderson. We are eager to guide you through a broad range of coverage solutions in personal, business, and employee benefits coverages.
At EM Ford, our approach goes beyond insurance to help you improve your overall risk management program and financial planning. We partner with you to provide strategic loss control and claims management tools – improving your risk profile and increasing your bottom line.
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Agency Awards and Accomplishments
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Recipients of 2015 Chamber Business of the Year in (11-50 employees category)
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We have been running for over 94 years — we opened in 1925
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We are a 4th generation family-owned business
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We have 2 Office Locations — Owensboro and Henderson, KY
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We staff over 30 knowledgable Advisors & Service Professionals
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We are proud members of BIGN (Beyond Insurance Global Network)
Legacy
Our history of service speaks for itself.
Vision
We prize peace of mind above all. Everything we do extends from that core value.
Family
From generation to generation — this business is personal.
Loyalty
Whether it be our clients or ourselves, we care about commitment.
EM Ford was established in 1925 and is now one of the largest family-owned independent insurance agencies in the state of Kentucky. As we have grown, our philosophy has remained the same – providing quality products and personal attention.
90
years in business
3
convenient locations
30
experienced team members
Our Amazing Reviews
Anyone can promise great service, but not everyone can deliver it. At EM Ford, we’ve built a culture around doing the right things.
There’s more to insurance than the price of the policy.
Explore our interactive graphics and learn about your unique risks and the related insurance solutions.
Personal InsuranceBusiness InsuranceEmployee Benefits
Providing for Your Family
Risk Factor
Raising a child is a rewarding and important life experience. It is also very expensive. The average cost of raising a child, born in 2013, to age 18 is more than $300,000. If you were to die tomorrow, would your spouse be able to provide food, clothes, daycare, and eventually college tuition for your child? In 2013, the average cost of tuition, fees, room and board for a private college was $41,412 per year.
Solution
Having life insurance could secure the future for your children if you have an untimely death. With a life insurance policy, there would be enough income to help pay for everything your child could need while growing up.
Mortgage Payments
Risk Factor
After your death, any outstanding debt and financial obligations do not disappear. Your home is probably the costliest and most significant property you own. A mortgage payment is a large burden for a widow or widower to carry.
Solution
A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on the home and car(s).
Auto Payments
Risk Factor
Many families lease or finance their automobiles these days. If the primary earner in the family were to die, the family could be left with outstanding car payments for years to come.
Solution
A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on your car(s).
Funeral Costs
Risk Factor
The average funeral costs about $10,000. That high price is for standard things, not unnecessary options or luxurious services. A death in the family is stressful enough; why add the hefty bill of a funeral to that stress?
Solution
A life insurance policy can easily cover the cost of a funeral. Your family will be able to think of you and have peace of mind without being burdened by funeral costs.
Protecting Your Retirement Savings
Risk Factor
Once you retire, you will be living off social security, and if you are lucky to have them, a pension or retirement fund, too. But what if the surviving spouse has been relying on you to fund retirement for the couple? Premature death of an earner can affect sources of retirement benefits such as Social Security benefits.
Solution
Life insurance can help support a surviving spouse during his or her retirement.
Protecting Your Small Business
Risk Factor
If you passed away, would your business suffer? There are many complications and financial issues that can arise due to the death of a business owner. Many people overlook this predicament.
Solution
A life insurance policy can keep a business moving along even during tough times, such as the loss of the business owner/partner. Key person life insurance is payable to the company and provides money for training and hiring of a new employee. A buy-sell agreement, funded by life insurance, allows the other partners in the business to buy the deceased’s share of the business, which will provide money for his or her family.
Spousal Support / Income Replacement
Risk Factor
Many people mistakenly think that they don’t need life insurance if they don’t have children or if their children are grown. However, your financial responsibilities fall to your family when you are gone.
Solution
Life insurance can replace the income you would usually bring in and help support your spouse or adult children. Keeping your loved ones living in the way they are accustomed to is an important thing to think about.
Areas We Serve
We also extend our insurance services throughout Kentucky, Indiana, and Tennessee.