Your Local Lebanon Independent Insurance Agency

First State Insurance Agency specializes in auto, home, life, and business insurance.

IIABA / Trusted ChoiceNational Association of Professional Insurance Agents (PIA)

First State Insurance Agency was established in 1946 by E. Ellwood Willard and is currently owned by Bruce Meckem, President, and Chris Meckem, Vice President, who have a combined 46 years experience in the insurance industry.

We are a full-service insurance agency that serves the insurance needs of nearly 2300 individuals and families, and over 800 business concerns in Southwest Missouri. As an independent Agency, we don’t work for an insurance company, we work for you.

We currently have 13 employees, 175+ years of experience and represent over 50 companies. This enables us to be able to select the coverage you want and need at a competitive price!

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Recent News & Updates

Traditional 401(k) Vs. Roth 401(k)

The Roth 401(k) was introduced in 2006 and is becoming increasingly more common. The bigger the company, the more likely it is that employees will have the option of contributing to a Roth 401(k). Although the traditional 401(k) and the Roth 401(k) share some similarities, there are also major differences between the two. What Is A Roth 401(k)? A Roth 401(k) is a type of...

Should I Invest In A Fixed Annuity?

Individuals who are semi-retired, about to retire, or already retired may choose fixed annuities to help stabilize their income from investments. Fixed annuities are insurance contacts. They offer the person who owns the annuity a set amount of income at regular intervals up to a specified point in time or a specified event, such as the annuity owner’s death. Investing in fixed annuities has both...

What Will My General Liability Insurance Cover?

General liability insurance is one of the most important types of insurance you can buy to protect your business. It is a broad type of coverage that provides protection against general risks. General liability coverage protects you from third-party claims made against your business, such as bodily injury and property damage. It does not cover workplace injuries sustained by your employees – those are covered...

Do I Need Tornado Insurance In My Area?

According to the Insurance Information Institute (III), approximately 1,200 tornadoes touch down in the U.S. every year, with wind speeds as high as 300 mph. Peak tornado season is April through June or July. The most severe tornadoes tend to occur in the spring when they strike the Southeast, a more densely populated area than the Great Plains. III states that the South has more...