Mutual insurance companies are owned by their policyholders and cannot raise capital with the sale of stock. Mutual companies must save reserves for policyholder protection with more conservative financial practices. This ultimately means mutual companies take less risk with the premiums you pay for your insurance.
The unique structure of a mutual insurance company allows their goals to be created with a long term view in mind. They measure the achievement of those goals by policyholder value, as opposed to public companies whose ultimate objective is to provide shareholder value.
Our history proves that our mutual insurance model is best. We have been faithfully handling insurance in Michigan since 1908 and have continued to grow because of the respect we have earned with our policyholders. The same financial cautions and transparency we have used for ages past will continue to give our policyholders assurance that they will be protected long into the future. That’s why Pioneer State Mutual Insurance company is truly “insurance, the way it should be.”
Pioneer State Mutual Insurance Company has always distributed our products through the “Independent Agent Model.” Independent Agent means they offer / sell insurance products for more than one company. We believe in the Independent Agent Model because it gives a policyholder a personal consultant and a choice of companies to place their business with. The agents we choose to do business with are qualified Michigan residents living in your community and will offer you valuable risk management advice regarding all of your coverage needs.
If an incident does occur and you need to file a claim, our agents work closely with the Pioneer State Mutual Claims Department to make sure your needs are met to the fullest extent. Our claims staff, customer service personnel and agents are local, Michigan residents who are easily accessible when you need it the most.
Independent agents are there for those that recognize the value of a personal contact and to make sure your insurance experience is the best possible. That’s why Pioneer State Mutual Insurance chooses to continue this model and provide our policyholders with the maximum attention they deserve.
Pioneer State Mutual Insurance Company celebrated its centennial in 2008. During the last one-hundred plus years, we have made our mark both in the insurance industry and in our community. Check out the timeline on our History page to see where we’ve been, how we’ve changed and how we’ve held tightly to the principles that inspired a group of farmers to form this company for the benefit of their community.
Copyright © 2016-2017 Pioneer State Mutual Insurance Co. All Rights Reserved
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PIONEER Insurance Products and Services
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Last Updated: June 16th, 2016.