I love HDHP’s, or high deductible health plans. I think they are great. I find they are easy to understand, provide lower overall costs, and offer huge tax benefits! What’s not to love! We are seeing many more employers offer HDHP’s and if implemented correctly, employees may start taking charge of the their own health […]
About Todd Thams
I am an active Insurance Broker and Owner of Thams Agency located in beautiful Western Iowa. I believe in Midwestern values, but also believe in using the best technology and resources to help our clients. In 2012 my father sold me the family business. I had been in overdrive the for last 10 years growing my business and family and now things are really starting to get exciting. In 2013 I was able to acquire another office in Avoca, IA and today we have more companies and opportunities than ever before. Over the past decade I have implemented the latest technology and resources to be ultra-responsive to our clients. 2014 promises to be a great exciting year with all of the opportunities on the horizon. I have been married since 2001 to my wife Emily and together we have three amazing daughters who keep us busy in dance, gymnastics, basketball, swimming, cross country, band and church activities. When we are not doing those things I try to play some golf and occasionally a little bicycle riding. I’m active in the Independent Agents of Iowa and serve on the governmental affairs committee. I’m active with the National Association of Health Underwriters and currently serve as an At Large Member for the Iowa Association. I’m a Rotarian and serve(d) on many boards in this community. I always enjoy meeting to new people and tackling new challenges.
Youth Workers Hiring youth workers—many times to fill seasonal positions—can be an integral component to your organization’s hiring plan. Early work experience can also be a great opportunity for teenagers to learn important skills. To promote positive and safe work experiences, the U.S. Department of Labor (DOL) has a series of regulations relating to the […]
Warmer weather can bring with it some interesting wardrobe choices that may have you wondering whether you need to update your dress code. This post will help you ensure that your dress code policy is ready for summer. Creating a Dress Code Policy Fashion and dress is a way that many express themselves and their […]
Complex Passwords are Better Thinking of a strong password can be frustrating. Every service and website seems to have different requirements about length, complexity and special characters. In order to secure yourself against hackers, it’s important to think of a password that’s both memorable and complex. Most websites and services encrypt passwords before storing them […]
As warmer weather arrives, more motorcycles are on the road. Whether you own a motorcycle, or just share the road with them, now is a good time to remember some basic motorcycle safety tips. According to the Insurance Information Institute: There were 8.6 million motorcycles on the road in 2015. In 2015, 4,976 people died in motorcycle crashes, […]
How much you need for retirement depends on your goals. Do you want to go back to school? Retire early? Pursue a favorite hobby? Travel? It also depends on factors that you don’t have as much control over. What is the outlook for your health? Will your family take care of you if you are […]
Types of Doctors How do you choose the right doctor for your physical and financial situation? It’s especially important to choose the right primary care doctor. They typically provide you medical care over a long period of time, helping you stay healthy, manage your care and recommend specialists when needed. Different types of doctors will […]
Preventing Medication Errors According to the FDA, More than 1 million Americans are injured annually by preventable medication errors. These errors can happen when the prescription is written, when the prescription is prepared, or when the medicine is taken. Though health care professionals work carefully to prescribe and administer medication properly, you are also responsible for […]
February is National Heart Health Month, and today’s post is about one of the primary risk factors for heart disease: high blood pressure. Heart Disease in the United States According to the CDC, more than 600,000 people die of heart disease in the U.S. each year. That’s one out of every four deaths, making it […]
Americans Work More and Vacation Less According to Psychology Today, Americans work 100 more hours per year than the Japanese, and up to three months more a year than Europeans. The United States is the only country that does not mandate paid vacation leave, whereas Europeans average six weeks of paid vacation annually. In fact, […]
Our clients say it best….
Thams Agency has an honest, and straight forward approach to dealing with customers. They work hard to find the best insurance coverages and prices for the customer, while giving guidance and reasoning for customers to make the most informed decision possible.
You served my folks well and I have found no reason to switch elsewhere. Your company seems rooted in Denison and an asset to the community, which is always an important part of being in business in any community.
Virginia Dobler McCurdyCustomer since 2011
They have helped reduce my payments with discounts like homeowner, safe driving, multi car, etc. Their rates are better then the old insurance company I had, they just kept raising rates although I had never had an accident (and they didn’t have discounts either). When I first came in to to talk to Todd and ask about their rates, they were 50 % lower then what I was paying. Now they are even lower due to discounts.
The agents at Thams make you feel like you are part of a family. They are extremely personable and the level of communication exceeds any company I have had experience with.
Client since 2004
After switching to Thams, I feel like I am getting as good, maybe even slightly better property insurance coverage for a whole lot less money. As long as the premium does not take any significant jumps in the next few years then I believe this was a great switch to Thams. Very friendly staff. I feel like I should have gone to see them many years ago.
Brian E.Customer since 2014
We feel that we have professionals serving our every need at the Thams Agency whether it be house, auto, or health. One stop takes care of all of our insurance needs, and we know it’s done right. P.S. Your offices are lovely. Good move on your part to remodel and maintain the historical attributes of the building while still making it modern.