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 whom we now represent who buys huge volumes of electrical energy from selected providers with the best competitive prices and terms for power consumption, so we can pass these terms and wholesale savings of 15-30% to our commercial customers and prospects, to replace the utility's exhorbitant costs for consumption. Utilities still will invoice for the power delivery system. 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 successfully consulted to Minority businesses across the country assisting them with their financing and bonding needs as well as procurement opportunities. He brings background Banking, and in the construction industry. He assists emerging and mid-size Minority businesses in working 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 corporate or personal policies for omissions or improvements, and we will help you to be frugal with your insurance dollars.
We insure clients in many different states. We work with numerous insurers to compare for your best proposal. We know the coverage you need, and what is superfluous. Based on you own claim experience, we fight for your best proposal. We provide top policies with great features, and we also provide standard policies with standard features. For over 35 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. We have arrangements with qualified investors who often can purchase life policies which are no longer needed, and they will pay you top dollar for it, generally much more than the cash surrender value, and will pay for term policies too. It can be an unexpected windfall. Investors seek convertible term or whole life/universal life policies from individuals over age 65 and have somewhat of a short term life expectency.
BUSINESS & FAMILY - ESTATE LIFE INSURANCE. If you have a key person, partner or owner in your company, one whose premature death or disability would cause significant economic loss, consider a life or single limit disability policy to cover your firm's potential losses, and to replace the position. Call us to review your need and to offer solutions. Can you afford to have an inexperienced wife or child to be your new partner? Insurance funds can retire their interest so you can go on.
You should periodically review your family life insurance, at the same time you review your wills and any estate planning trust documents. You buy personal life insurance for specific needs: To retire mortgages and other obligations; to provide funds which fund trusts to take care of young children through their maturity and education needs; to make bequests of legacy to charities or schools; or to pay death taxes and settlement costs, or to give gifts. With rare esceptions, forego life insurance on children in liew of insurance on the parents.
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 annuity contracts 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. Also if you currently are receiving a structured settlement, our investors an offer you a single payment settlement for all or part of the total.
PERSONAL INSURANCE FOR AFFLUENT CLIENTS. When we were younger we tended to insure our belongings fairly basic. But as we evolved, and the quality and quantity of our possessions expanded, basic coverage is inappropriate. Take the time to review your needs both in volume and in scope. Focus on water damage coverage in basements due to flood, or backup of sewers/drains. Finished basements today cost in the tens of thousands, and in addition we tend to store much more. So the $5,000 that Allstate or State Farm gives in their policy is insufficient to most families. We can provide whatever you need. Similarly, corporately owned or leased cars ar often improperly insured under family auto policies, leaving serious gaps of coverage for coverages rightly only provided under commercial auto policies. Personal umbrellas don't cover over commercial policies.
We offer features that Allstate or State Farm don't offer. 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.
Our homeowner policy allows you to cash out total home losses at replacement value, and you do not have to rebuild on the same damaged site to receive replacement cost. Want to use claim money to buy a condominium and sell the loss site to a general contractor? You can with us. We can include flood insurance up to the full dwelling & contents limits, and have full policy limits available for backup of sewers and drains. Jewelry losses are paid at the amount appraised and insured for, PLUS up to an additional 50% if today's cost to replace it has increased since the appraisal. And again, you may cash out, never having to replace that lost item to get the full settlement. Do you need high limits of umbella? $10,000,000 or more? We can provide that, no problem. In fact we can provide up to $100,000,000 if required and justified as appropriate. We give special discounts on the auto policy when there are more vehicles then operators. We can insure expensive vehicles over $100,000 just as easy as insuring a basic model car. For larger accounts we can insure secondary residences in coastal areas like 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 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 which are different from company to company. Most group coverage packages are somewhat fixed by the insurer, but larger 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 and payroll taxes, and the employee's gross wage is decreased by the amount of their contribution (hence lower payroll taxes withheld and resulting a larger net payroll check).
We regularly provide clients excellent group benefits and we equally do not distinguishing between a full-time 1099 employee and a full-time W2 employee - and in addition, we will not require verification evidence of the 1099's employment either. We can accommodate client companies up to 49 lives per policy this way.
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 Chartis, Zurich, Travelers, CNA, Hartford and others. Our rates are great accomodating 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 ito the hundreds of millions also. 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 count on and value year in and year out for all forms of insurance.
Sincerely,
Lee Jacobson, President