Spectrum Financial Services, Inc., is an independent, full-service insurance agency specializing in the delivery of core credit-related insurance products and services for community banks and their customers throughout the Midwest. Since 1978, Spectrum has provided fee income opportunities, including single premium credit life reinsurance programs, through Spectrum Life Insurance Company, as well as other credit-related insurance products and services designed to develop and grow bank fee income, reduce or eliminate risk from the bank’s portfolio, and reduce loan operation expense. Spectrum represents a number of highly rated insurance carriers and is endorsed by TIG Advisors, Columbia, Mo. Products offered include: • Single-premium credit life, accident & health (including reinsurance opportunities through Spectrum Life Insurance Company) • Home equity open end • Mortgage life & disability • Term life insurance (Internet based) • Collateral protection • Blanket mortgage fire • Forced order fire • Flood determinations (Internet based) • GAP (Internet based) • Identity theft protection – blanket and upgrade options • Auto warranty protection (Internet based)