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 MoreLong-term care insurance covers long-term services and support, including personal and custodial care in a variety of locations, from your own home to nursing care in a skilled care facility. Long-term care insurance policies are not health insurance policies, but supplement those policies.
The earlier a long-term care policy is purchased, the lower the premiums. These policies tend to become unaffordable as you approach retirement age.
Planning ahead is the key. Long-term care policies commonly have a life insurance component, which may be attractive as well.
Our relationship managers can help you review the latest insurance offerings as this industry continues to change.
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