Our YTD Combined Ratio is roughly 98 at this time. We had an unusually late August storm that somewhat hurt our 3rd quarter results but not enough to a produce overall bad results. Aggregately, our 2018 storm losses were essentially equal to what we planned for this year. Traditionally, the fourth quarter is one of our best quarters. Thus, we are optimistic we can improve on this 98 Combined Ratio by year end. We are pleased to see Agency Contingencies developing well this year. This is shaping up to be another record year for Agency Contingencies.

Earlier in the year, we entered the State of Oregon and initial sales have been strong. The State of Washington's entry is on the doorstep and should occur shortly. With Washington entry, we will have completed our expansion plan developed 8 years ago where MFM's territory of 7 Midwest States became 21 States located in the Midwest, Southwest, and Northwest regions of the nation. We are now working on our next state expansion and licensing project to take Midwest Family into several more states in the future. For those Agents in Indiana and Ohio, please know that Michigan and Kentucky entry is at the top of our list.

Another success in 2018 was the development and introduction of "Midwest Family Advantage Insurance Company" (MFA). This new Company is a stock insurance company owned 100% by Midwest Family Mutual (MFM).The purpose of the Company is to write new and different products MFM doesn't currently write, as well as, to write similar products MFM currently writes but at differentiated underwriting and pricing qualifications. This new Company is now admitted and doing business in the Company's domiciled State of Iowa only. New sales this year have been brisk in Iowa. Concurrently with our next MFM state licensing project, we will also license Midwest Family Advantage in all states where MFM does business. Midwest Family Advantage will eventually be another tool for you to grow your Midwest Family relationship.

Our future is bright! The Midwest Family Mission is: "We serve our Agents first to serve Policyholders best!" We are working hard to earn more of your business. Always know we appreciate you and your business! Enjoy the Fall weather and the Holidays that will soon be upon us.

Best regards!

Ronald Boyd, CPCU
President and CEO

To all MFM Agents: With 6 months down and 6 months to go, we are very pleased to report to you our year to date results. First of all, this has been a much quieter year of storm activity than last year was. By this time last year, our claims people were working 6 separate storm catastrophes across our entire operating territory. This compares to one relatively small storm this...

To all MFM Agencies: Our results were good to great in the first quarter. Our loss results were good in that we produced a combined ratio of 93 in the first quarter. Though a good result to date, we always are little apprehensive this time of year as we approach the traditional Midwest storm season which will commence over the next 3-4 months. Right now many of us here in...

To all Midwest Family Agencies: Happy New Year!!! This past year was another record setting year for Midwest Family. Our premiums grew 9.8% to 157M up from 143M last year. Our Combined Ratio was 92.3 making 2017 our 5th consecutive year of Underwriting gains. Surplus will be a record 69M up 9.3% from 2016. Our claims people serviced an estimated 8000 claims this past year including a number of Midwest...

To all Midwest Family Agencies: Hail is a four letter word. Tornado should be a four letter word but maybe wind is its close substitute. In May through July, we experienced some of the worst summer weather our Company has ever experienced. Also this weather was everywhere in the Midwest. In all of our Midwest States we experienced some wind or hail losses. The summer made us better appreciate our...