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. Your comments are most welcome!
THIS IS A TIME 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 provide top policies with great features, And also standard policies with standard features. For over 30 years we have insured manufactureers, wholesalers and distributors, retailers, professionals - and the owners and key personnel for these businesses.
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 costs. If you have a partner whose premature death could cause a wife or child to be your new partner, call your lawyer for the appropriate buy and sell agreements, and agree in advance to a buyout figure with your partner and revisit it every 3 years, and fund it (or as much of it as you can afford) through inexpensive term or universal life insurance. We can help you with that. It is an overlooked need.
GUARANTEED INTEREST ANNUITY CONTRACTS. With the economy and banking doing poorly, and interest income rates at an all time low, consider placing part of your liquidity in guaranteed interest rate annuities for terms up to 10 years, with interest rates currently (APRIL 2009) 4.10% for 6 years of 4.35% for 8 years GUARANTEED EVERY YEAR for single deposits over $100,000 (slightly less if under $100,000).
OUR ANNUITY BUY-BACK PROGRAM HELPS YOU TO CONVERT A SYSTEMATIC ANNUITY PAYOUT TO A LUMP SUM - ALL OR PARTIAL!! - FOR ANY PURPOSE YOU DESIRE, SUCH AS PURCHASING PROPERTY, REDUCING DEBT, ETC.
PERSONAL INSURANCE DESIGNED FOR OUR AFFLUENT CLIENTS. Our personal home, auto, umbrella, boat policies have numerous special features and preferred rates. Features such as unliimited replacement value on dwellings, the ability to cash out total home losses at replacement value even when not rebuilding or replacing - or rebuilding it at a site different than the loss site. And full dwelling/contents policy limits for water damage, and even primary flood coverage with the option for excess flood limits oall the way up to your dwelling/contents limit. Agreed appraised value plus UP TO 50% inflation protection, on scheduled personal articles, including defense coverage for defective title, fakes & forgeries provenance expenses, coverage during conservation & restoration, uncompleted works commissioned in progress, reference library coverage, and ransom & reward coverage. High umbrella limits are offered. with special features available, up to a hundred million or so. Auto premiums are highly discounted for larger schedules of vehicles with more vehicles than operators, and we can insure autos of most types and values, even if some are kept in different locations. - even if in Florida or California or out of the country. And we can insure boats of all sizes and values, with or without crew. Auto and Home policies with standard features are offered too.
EMPLOYEE BENEFITS. Employee Benefits are offered through top insurers many of whom are shown in the ABOUT US section. Employee Benefits are offered to employers of all sizes from 2 all the way up to 5000 employees. Typically employers have selected PPO plans but lately HMO plans have become much better priced with excellent provider networks and remain very comprehensive, so qualifying employers often make dual or triple choices available to their employees, HMO for rank & file employees and PPO for management and above positions. For many rank & file employees, the life insurance under their employer's plans are the only life insurance they ever have, so we generally recommend always including a basic amount, with a higher or supplemental limits for upper echelons. Same for short and long term disability, as it will tie the employee to you for a longer term, and stability of employment is good for all. AFLAC trpe specialty cash coverages can be offered to supplement any of your fringe benefit plans.
GROUP RETIREES PROGRAM. If you provide employee benefits for a population of retirees, past-present-future, you know the premiums are severe just to cover your eligible retirees for wraparound medicare supplement and medicine coverage, and that premiums often exceed $400 per retiree. Our new group program allows you to separate retirees from actives, saving up to 50% per retiree. Meaningful savings, plus lowering the average age for your actives will also reap lower premiums for your actives, therefore making this program a win-win for your insurance budget. We can coordinate both the pre and post retirement programs.
SPECIAL COMMUNITY PPO FOR HISPANIC BUSINESSES. Newly available community based PPO networks have been designed in joint effort by the ILLINOIS HISPANIC CHAMBER OF COMMERCE and AETNA. We offer Hispanic employers with 2 - 5000 employees excellent savings of up to 30% for excellent benefits. Included in the program are free wellness benefits, and the Chamber provides free business consulatations and advise. This can be offered as a 2nd or a 3rd selection of benefits to help the Hispanic/Latino employee population of your company.
COMMERCIAL PROPERTIES. If you own, control or manage, multiple commercial buildings such as office or apartment buildings, shopping or strip centers, or hotels, consider our programs with Zurich, Travelers, CNA or Hartford. Perhaps you can join in a risk group who allows your own excellent loss record to provide the preferred premiums you deserve. We can accomodate your well maintained properties with values in the hundreds of millions in values and we can also offer umbrella liability limits to the hundreds of millions also. Our premium rates in the industry are excellent. And with the economy in turmoil, perhaps our program savings will help you keep your properties profitable for you.
Thank you for your considerations; we are here to serve your business or personal insurance needs as comprehensively and competitively as possible with the best policyholder service we can muster. Count on us to be the ONE STOP resource you value for all forms of insurance, in providing top service, attractive coverage features, and price competitiveness.
Sincerely,
Lee Jacobson, President