THANK YOU FOR VISITING OUR WEBSITE TODAY; there is a lot of helpful information here, so please feel free to surf our site at your leisure, and let us know how we can be helpful to you or to your company. We are versitile. Your comments are most welcome!
INTRODUCING GLACIAL ENERGY! Glacial Energy is an Electrical Supplier who buys huge volumes of electrical energy from selected providers with the best competitive prices and terms, so we can pass these terms and wholesale savings of 15-30% to our commercial customers and prospects. For a no obligation review and proposal, please contact Lee Jacobson and provide copies of the last 2 electric bills. If you are a large user of electricity you owe it to your bottom line and cash flow to check this opportunity out.
WELCOME ANTONIO LUGO III. Antonio "Tony" Lugo III comes to us from the US Department of Commerce where he consulted to Minority businesses across the country to help them with their financing and bonding needs as well as procurement opportunities. He brings several years experience in the Banking industry, and has many years experience in the construction industry. He has consulted for many years assisting emerging and mid-size Minority businesses to work through troubled times. Tony Lugo received his BS in Finance from Depaul University, and his MBA from Loyola. Visit his profile in our About Us section, and do make his acquaintance sometime soon.
WE PLEDGE TO BE FRUGAL WITH YOUR INSURANCE DOLLARS. Let us review any of your policies for omissions or improvements., and help you be frugal with your insurance dollars. We operate for clients in several states. We know the insurers to approach for you. We know the coverage you need, and don't need. We fight for your premium dollars based on your own claims experience. When needed, we provide top policies with great features, And we also provide standard policies with standard features. For over 30 years we have insured manufacturers, wholesalers and distributors, retailers, contractors, professionals - and the owners or key personnel of these businesses for their personal insurance needs..
LIFE SETTLEMENTS. If you are 65 or older, and are considering terminating a life insurance policy, speak to us first. It is considered an asset with a fair market value. We have arrangements with investors who often can purchase life policies no longer needed, and they will pay you top dollar for it, generally more than the cash surrender value, and will pay for term policies too. It can be an unexpected windfall.
BUSINESS LIFE INSURANCE. If you have a key person in your company, one whose death or disability would cause significant economic loss, consider a single limit disability or life insurance policy to cover your potential losses, call us to review your need and offer solutions. Same for a partner whose premature death could cause the business economic loss or force an inexperienced wife or child to be your new partner. We offer a complimentary professional business valuation, valued at as much as $2500, to periodically update the value of current buy/sell agreements. If you need to draft agreements we work with excellent qualified and experienced attorneys who will help you. Through our life policies we provide the funding for the various legal agreements needed for business continuation or to indemnify the loss of a key man.
GUARANTEED INTEREST ANNUITY CONTRACTS. With investments doing poorly, interest rates at all time lows, 1% or less, consider placing part of your liquidity in guaranteed interest rate annuities with our top rated insurers for terms up to 10 years. Our rates usually exceed those offered at banks and can be converted to structured retirement payments at no extra cost. Call for current interest guarantees and durations.
PERSONAL INSURANCE FOR AFFLUENT CLIENTS. Take care to maintain that adequate coverage keeps up with your changing needs. When we are younger we tend to insure our belongings fairly basic. But as we evolve and the quality of our possessions elevate, basic coverage just will not do anymore. The biggest gap of coverage I see is for coverage in finished basements. Little or no water damage coverage in basements may have been fine when we only had a crawl space, but finished basements today cost in the many thousands, and we store things worth many thousands more. So the $5,000 that Allstate or State Farm gives is insufficient to your actual need. We give a minimum of $25,00 and can increase it to whatever you need. Similarly, corporately owned or leased cars ar often improprely insured under family auto policies, leaving gaps of coverage galore for coverages only provided under commercial auto policies. Have a business auto and a personal umbrella? Talk about confusion. We have that subject covered. No problem.
We have features in some of our policies that Allstate or State Farm don't even offer. Important coverage features that you will find meaningful at the time of loss. Try not to allow any of your existing policies to renew without giving thought to what you may be missing in a policy, and call us to review. Coverage which adequately served you in the past may not apply anymore. You get what you pay for, insurance policies are contracts, pure and simple.
Under our policy you can cash out your total home losses at replacement value, meaning you do not have to rebuild at all or rebuild on the same site to receive replacement cost. You may prefer to use the proceeds to buy a condominium and sell the loss site to a general contractor. You can even include flood insurance up to the full dwelling/contents limits, and have full policy property limits for backup of sewers and drains - water damage. Jewelry losses are paid at the amount scheduled, PLUS up to an additional 50% if today's cost to replace it has increased since the appraisal. Further, you never have to replace that lost item, it is your money to use toward a replacement or not. Do you need high limits of umbella? $10,000,000? We can provide that, no problem. In fact we can provide up to $100,000,000 if required and appropriate. Do you have more vehicles than operators? We give special discounts on the excess vehicles your lifetyle dictates. Have expensive vehicles over $100,000? No problem. Have a secondary home in California or Florida? No problem. Have boats? We can insure your boats of all sizes and values, with or without crew.
Have special artwork? Serious personal Art collectors can include defense coverage for defective title, fakes & forgeries and even for provenance expenses, coverage during conservation & restoration, and uncompleted works commissioned in progress, reference library coverage, and ransom & reward coverage. Art on display away from your home is covered too. Automatic coverage is even provided for that unanticipated acquisition.
When periodically reviewing your estate plan, make sure your estate life insurance is sufficient to pass your holdings as intact as possible to the next generations with the minimum of shrinkage.. We can help there too, even if you have some medical conditions to underwrite.
EMPLOYEE BENEFITS. We provide employee benefits for companies of all sizes from 2 on up. We use all of the top well known insurers in your locale. Group insurance usually covers medical, life, dental, short and long term disability coverage. Group insurance is guaranteed issue, and waives any of your pre-existing conditions when you have prior credible coverage, or after a waiting period. It provides coverage for providers in or out of insurer networks. Networks are typically different from insurer to insurer. Most coverage packages are somewhat fixed by the insurer, but large employers may have coverage forms designed for them. Self Funding or partial self funding options are available to larger size employers. If you charge your employees part of the premium, you can set up a Section 125 premium only plan which will result in the lowering of your payroll (hence payroll taxes decrease) and the employee will receives a benefit also, as their gross wage is decreased by the amount of their contribution (hence lower payroll taxes and perhaps a larger net check). Payroll deductions can fund a cafeteria benefit plan where the funds can be used for eligible health related purposes. Our group specialists are excellent.
Most employee benefit insurance companies will accept only a very small percentage of the total employee population for 1099 employees, to accommodate commission salesmen, etc. Also, most insurers require from groups a copy of your wage and tax quarterly payroll reports to verify evidence of employment, and extra documentation of the owners if they are not on payroll. We represent these companies like everyone else. However....
We regularly provide clients excellent group benefits not distinguishing between a full-time 1099 employee and a W2 employee - and in addition, they will not require verification evidence of the 1099's employment either. We can accommodate companies up to 49 lives per policy this way.
NEW COMMUNITY PPO PLANS OFFERED BY AETNA FOR HISPANIC/LATINO BUSINESSES IN COOK COUNTY. If you have a significant work force percentage of Hispanic/Latino employees you will have value in Aetna's newly available community based PPO networks. Designed in joint effort by the ILLINOIS HISPANIC CHAMBER OF COMMERCE and AETNA., employers having 2 - 5000 H/L employees can avail of excellent premium savings of up to 30% for excellent PPO IN NETWORK benefits, and it has excellent out of network benefits too. The program includes free wellness benefits, and the Chamber itself provides clients and their employees free business consultations and business advise. When these plans are offered as a 2nd or a 3rd selection of benefits to help the H/L employee population of your company afford their benefits, you tend to maintain a healthy employee base. Rates are much less because the medical providers in this special PPO network have been specially selected by polling the H/L community by the Illinois Hispanic Chamber of Commerce to deermine who the actual providers used in Cook County were. Providers were selected and judged based on quality testimonials, as well as having a close proximity to the community, and being bilingual.
COMMERCIAL PROPERTIES. If you own, control or manage, multiple commercial buildings such as office or apartment buildings, shopping or strip centers, hotels or motels, consider our excellent insurance programs with Zurich, Travelers, CNA, Hartford and others. Perhaps you can qualify for a risk group designed to allows your own excellent loss record to provide the basis for the preferred premiums you deserve. We can accomodate your well maintained properties with values from small, to all the way to the hundreds of millions of dollars in value, and we can also offer umbrella liability limits in the hundreds of millions also. If you meet the underwriting qualifications, our insurer's premium rates against the industry are excellent. And with the economy in turmoil, perhaps our program savings will help you keep your properties bottom line in the black..
So Thank you for the considerations of your future business; we are here to serve your business or personal insurance needs as comprehensively and competitively as possible with good insurers, and our pledge to offer the best policyholder service we can muster - whatever it takes!Count on us to be the ONE STOP resource you can value year in and year out for all forms of insurance.
Sincerely,
Lee Jacobson, President