“FMS is just wonderful! We feel very secure and blessed with what Bob has done for us. Our experience was so much better than anything we could have imagined.”

Mel & Jane Froehlich
Kenyon, MN

“We are very pleased with our agent, Bob Schmaltz, and Kim and Tammy in the office. They are all so nice and personable and ready to help you any way they can. They go above and beyond to be friendly and make people laugh and feel at home and relaxed. The insurance has been great! It has helped in all our needs.”

Dick & Jane
Red Wing

“FMS provides timely and accurate information for their customers in a very caring way.”

John O. Hanson
Red Wing, MN