Custom Business Solutions. Unparalleled Results. Business Insurance and Employee Benefits

Size: px
Start display at page:

Download "Custom Business Solutions. Unparalleled Results. Business Insurance and Employee Benefits"

Transcription

1 Custom Business Solutions. Unparalleled Results. Business Insurance and Employee Benefits

2 A Business Partner You Can Trust Niagara National Insurance is an independent agency that specializes in risk management, cost containment strategies, and competitive employee benefits solutions for businesses just like yours. As our client, the success of your business is our top priority. We will work with you as a partner to ensure your business risk is effectively managed and where possible, reduced, in order to minimize your costs both now and in the future. In addition to providing you with premium business protection solutions, we will also help you develop a comprehensive employee benefits program designed to give your business a competitive edge in attracting and retaining the best employees, without breaking your budget.

3 Relax. We ve Got You Covered. As our client, you won t have to spend time reviewing all your options and sorting through complex compliance issues. Our professional staff of business insurance consultants will research the best options for your business, handle all the details, and offer you a top-notch, competitively priced insurance program custom-fit to your specific needs. We will recommend coverages that can give your business comprehensive protection so you can focus on what s most important: growing your business.

4 Custom Solutions for Your Business. Your business is unique. Your insurance program should be too. We ll help you develop a customized insurance program, tailored to fit your business perfectly. Our comprehensive portfolio of Business Insurance Services includes the following coverages and specialty business programs: Business Insurance & Employee Benefits Property Liability Umbrella Liability Bonds Workers Compensation Automobile Professional Liability Directors & Officers Liability Disability Dental Medical Vision Life Flexible Spending 401(k) Plans Travel Accident Specialty Programs Manufacturing Companies Wineries and Gourmet Food Companies Contractors Wholesale Distributors Restaurants Social Services

5 It s Simple. You Deserve More. In addition to receiving a customized business insurance program, you ll also receive: Thorough risk analysis and risk management Cost containment and reduction strategies Loss control and safety programs Frequent policy audits and coverage reviews Our unique approach offers you superior business protection and unparalleled benefits solutions. You deserve an agency that will work with you as a partner, putting your success and profitability at the forefront. You deserve Niagara National Insurance. Whatever Your Needs, We ve Got You Covered. Niagara National Insurance also offers a comprehensive portfolio of insurance services for individuals and families, including: Personal & Family Insurance Homeowners Automobile Renters Motorcycle Umbrella Liability Recreational Vehicles Sports Accident Medical Life Disability Long-Term Care IRAs Annuities Student Medical

6 About Niagara National Insurance Niagara National Insurance is an Independent Insurance Agency that was founded back in Since then, our agency has grown and now employs a professional staff of more than 30 insurance experts. Through our network of affiliate insurance carriers, we are able to offer a broad selection of premium insurance coverages for both individuals and businesses, including employee benefits and retirement plans. Our agency also offers specialty insurance programs for colleges and universities. As a Trusted Choice agency, Niagara National is dedicated to you and is committed to treating you as a person, not a policy. All Trusted Choice agencies agree to adhere to a Pledge of Performance, designed to assure quality service, competitive pricing, a broad selection of insurance coverages, and valuable advocacy. In short, Niagara National Insurance has pledged to offer you the best service and the best insurance solutions to protect what you value most. For more information, please visit our web site at Genesee St. Buffalo, NY (716) (800) fax: (716)

Protecting Your Business. Contractors Advantage

Protecting Your Business. Contractors Advantage Protecting Your Business Contractors Advantage Your contracting business is more than a job, it s your life. You re a successful contractor. You ve made a substantial investment in tools, equipment and

More information

THE INSURANCE ORGANIZER

THE INSURANCE ORGANIZER THE INSURANCE ORGANIZER SENIOR SOLUTIONS OF AMERICA, INC. www.todaysseniors.com COPYRIGHT 2007 SENIOR SOLUTIONS OF AMERICA, INC. ALL RIGHTS RESERVED. ORGANIZING YOUR INSURANCE POLICIES Your safe deposit

More information

Real Insurance Marketing Campaigns & Their Results

Real Insurance Marketing Campaigns & Their Results Real Insurance Marketing Campaigns & Their Results SUCCESSFUL INSURANCE PROMO Card #59140 Are You Paying too Much for Car Insurance? I am so sure I can SAVE you money on your car insurance... I will give

More information

Liberty Mutual Auto & Home Voluntary Benefits. Name of Client Presented By: Date

Liberty Mutual Auto & Home Voluntary Benefits. Name of Client Presented By: Date Liberty Mutual Name of Client Presented By: Date 1 About Liberty Mutual Private provider of personal automobile, homeowners, workers compensation, general liability, commercial auto, business property,

More information

Left to right: William J. Quinn, Vice President Ralph J. Vanner Jr., President Ralph J. Vanner Sr., Chairman Thomas J. Vanner, Vice President

Left to right: William J. Quinn, Vice President Ralph J. Vanner Jr., President Ralph J. Vanner Sr., Chairman Thomas J. Vanner, Vice President Left to right: William J. Quinn, Vice President Ralph J. Vanner Jr., President Ralph J. Vanner Sr., Chairman Thomas J. Vanner, Vice President An Independent, privately owned, full-service insurance agency,

More information

made simple Personal Umbrella Policy Insurance What s inside:

made simple Personal Umbrella Policy Insurance What s inside: Personal Umbrella Policy Insurance made simple What s inside: How to read an Allstate Personal Umbrella Policy Declarations Understanding personal umbrella policy insurance How to file a claim Frequently

More information

Greater Rochester, NY Region's Top Banks, 2013

Greater Rochester, NY Region's Top Banks, 2013 Greater Rochester, NY Region's Top Banks, 2013 Rank Bank Local Staff, Local Offices 1 M&T Bank Corp. 518, 37 2 JPMorgan Chase Bank N.A. NA, 29 3 Canandiagua National Bank & Trust 509, 24 4 RBS Citizens

More information

Building Financial Freedom The GrandProtect Advantage MetLife Auto & Home

Building Financial Freedom The GrandProtect Advantage MetLife Auto & Home The MetLife Auto & Home Advantage 1 Offered by MetLife Bank, NA, an FDIC-insured bank 2 Offered by MetLife Securities, Inc., One Madison Avenue, New York, NY 10010 Looking back, everything appeared simpler!

More information

PLANNING RETIREMENT INCOME YOU CAN COUNT ON

PLANNING RETIREMENT INCOME YOU CAN COUNT ON PLANNING RETIREMENT INCOME YOU CAN COUNT ON This easy-to-use retirement planning worksheet can help you overcome challenges and make the most of what you ve worked so hard for over the years. Understanding

More information

made simple Auto Insurance What s included:

made simple Auto Insurance What s included: Auto Insurance made simple What s included: How to read your Allstate Auto Policy Declarations Understanding auto insurance: Coverages Deductibles Coverage limits What to do in case of an accident Frequently

More information

The Capacity Group of Companies

The Capacity Group of Companies The Capacity Group of Companies Capacity Coverage of New Jersey, Inc. Atlantic Risk Specialists, Inc. Capacity Marine Corporation ProTrans, Inc. Atlantic Coast Surety, LLC Capacity Benefits & Financial

More information

Imagine Your Future Set YourGoals Chart Your Course. The Importance of Financial Planning

Imagine Your Future Set YourGoals Chart Your Course. The Importance of Financial Planning Imagine Your Future Set YourGoals Chart Your Course The Importance of Financial Planning Ask yourself these questions: Financial Planning Provides Direction and Discipline It s important to know where

More information

Business Auto Insurance. made simple

Business Auto Insurance. made simple Business Auto Insurance made simple What s inside: How to read an Allstate Business Auto Policy Declarations Understanding business auto insurance: Deductibles Coverage limits Frequently asked questions

More information

Personal Information - Client - Page 1. Employment. Education. Military Service. Children & Dependents

Personal Information - Client - Page 1. Employment. Education. Military Service. Children & Dependents Personal Information - Client - Page Date Mr. Mrs. Ms. First Name M.I. Last Name Birth Date Age S.S. Number Street Address City/Town Home Phone Cell Phone State/Zip Fax Email Address Employment Occupation

More information

Safe Harbor Crew. International Yacht Crew Insurance for groups of three or more

Safe Harbor Crew. International Yacht Crew Insurance for groups of three or more Safe Harbor Crew International Yacht Crew Insurance for groups of three or more Plan Overview Luxury yacht Owners and Captains are finding it effective to offer structured benefits in order to attract

More information

Personal Service. Professional Analysis. Sophisticated Advice.

Personal Service. Professional Analysis. Sophisticated Advice. Risk Management/Insurance Private Client Services Group Benefits Retirement Planning Services SKCG Group SKCG Group is one of the largest privately-held Risk Management/Insurance advisory firms in the

More information

LDCA MEMBERSHIP INSURANCE OFFERING PART OF THE ARTHUR J.GALLAGHER GROUP WELCOME TO ARTHUR J. GALLAGHER

LDCA MEMBERSHIP INSURANCE OFFERING PART OF THE ARTHUR J.GALLAGHER GROUP WELCOME TO ARTHUR J. GALLAGHER LDCA MEMBERSHIP INSURANCE OFFERING PART OF THE ARTHUR J.GALLAGHER GROUP WELCOME TO ARTHUR J. GALLAGHER LDCA Insurance Solutions at a Glance LDCA members need insurance expertise. We ve got it. Over time,

More information

NEW Insurance Classes 2012 Schedule

NEW Insurance Classes 2012 Schedule NEW Insurance Classes 2012 Schedule CPCU 560 Financial Services Institutions Fee $250 January 25-May 23 rd, Wednesdays Manage risks more effectively by learning the unique risks faced by financial institutions

More information

when you need professional guidance

when you need professional guidance insurance financial retirement estate when you need professional guidance Har-El Financial GROUP Integrated Individual & Business Planning Services integrated individual and business planning services

More information

Financial Advisory Services

Financial Advisory Services Financial Advisory Services www.ncsecu.org Financial Advisory Services SECU provides financial advisory services in addition to deposit and lending services. Financial advisory services include insurance,

More information

A Tailored Insurance Solution Designed for the Funeral Industry by Experts in the Funeral Business 631-589-5100. folksinsgrp.com

A Tailored Insurance Solution Designed for the Funeral Industry by Experts in the Funeral Business 631-589-5100. folksinsgrp.com A Tailored Insurance Solution Designed for the Funeral Industry by Experts in the Funeral Business 631-589-5100 folksinsgrp.com Providing a better way to insure the funeral industry DIRECTORS CHOICE is

More information

BARRY F. LORENZETTI MISSION STATEMENT A MESSAGE FROM THE PRESIDENT

BARRY F. LORENZETTI MISSION STATEMENT A MESSAGE FROM THE PRESIDENT 15 MISSION STATEMENT To be the most professional, client-oriented and innovative insurance brokerage and consulting firm in Canada, through a disciplined and dedicated team approach. A MESSAGE FROM THE

More information

[because] your best people have unique talents + special proficiencies / technical knowledge / influential connections / [and] years of experience

[because] your best people have unique talents + special proficiencies / technical knowledge / influential connections / [and] years of experience 14 Key Man Insurance Learn How to Protect the Value and the Profitability of Your Business More than 2 million employees between the ages of 25 and 55 die - every year and more than 2 million others are

More information

Schwab Private Client Fact Finder

Schwab Private Client Fact Finder Schwab Private Client Fact Finder Your first step toward creating a personal financial plan tailored to your needs that can help you reach your goals. Please return completed form to your Schwab Portfolio

More information

INSURANCE PROFESSIONALS E&O APPLICATION

INSURANCE PROFESSIONALS E&O APPLICATION 7130 Glen Forest Drive, Suite 210 Richmond, VA 23226 804-289-2700 Insurance Professionals E&O Application PROFESSIONAL LIABILITY Division Email to PL@jamesriverins.com or, Fax to 804-287-2816 APPLICANT

More information

We welcome the opportunity to work with you. Thank you. Richard A. Beskin, President

We welcome the opportunity to work with you. Thank you. Richard A. Beskin, President For more than a quarter of a century, Beskin and Associates, Inc. has been dedicated to providing our clients with value-based insurance products and risk management programs underwritten by superior companies.

More information

The Hartford Financial Services Group, Inc. Business Profile March 31, 2006

The Hartford Financial Services Group, Inc. Business Profile March 31, 2006 The Hartford Financial Services Group, Inc. Business Profile March 31, 2006 Safe Harbor Statement Certain statements made in this presentation should be considered forwardlooking statements as defined

More information

Your Protection Is Our Profession

Your Protection Is Our Profession Your Protection Is Our Profession The Arizona Group was formed in 1993 and is an Independent Insurance Agency with two locations in the Phoenix metro area. Headquartered in Gilbert, we have a satellite

More information

Homeowners Insurance. made simple

Homeowners Insurance. made simple Homeowners Insurance made simple What s included: How to read your Allstate Policy Declarations Protecting your home and personal property Understanding deductibles Additional protection How to file a

More information

Cooperative of American Physicians Group Personal Excess Liability Program

Cooperative of American Physicians Group Personal Excess Liability Program Enrollment Instructions Cooperative of American Physicians 2013 Enrollment Form Coverage Effective - January 1, 2013 Complete the Participant Contact Information section using the spaces provided. Select

More information

PRELIMINARY FACT FINDER

PRELIMINARY FACT FINDER CLIENT INFORMATION Family Information Client Spouse Full Name (First, MI, Last) Date of Birth (MM/DD/YYYY) Social Security # Drivers License # / State Address City / State / Zip Home Phone # Business Phone

More information

To: Our Valued Clients From: Agency Name Re: Gap Letter

To: Our Valued Clients From: Agency Name Re: Gap Letter To: Our Valued Clients From: Agency Name Re: Gap Letter From time to time, we mail a notice to our clients (past, current, and potential) called a Gap Letter. The purpose of this letter is to inform you

More information

Welcome to Harleysville Insurance

Welcome to Harleysville Insurance Welcome to Harleysville Insurance Meet our Recognized as Good people to know in the markets we serve, Harleysville has gained prominence within the insurance industry with our long-standing record of financial

More information

Email Address: Home Work Preference for use: Home Work Your Driver License No. Exp. Date Significant Other Driver License No. Exp.

Email Address: Home Work Preference for use: Home Work Your Driver License No. Exp. Date Significant Other Driver License No. Exp. FAMILY INFORMATION Brett M. Sause, Mark Apolenis, are Registered Representatives of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/ SIPC, A Licensed Insurance Agency,

More information

The Hartford Financial Services Group, Inc. Business Profile December 31, 2005

The Hartford Financial Services Group, Inc. Business Profile December 31, 2005 The Hartford Financial Services Group, Inc. Business Profile December 31, 2005 Safe Harbor Statement Certain statements made in this presentation should be considered forwardlooking statements as defined

More information

Brochure:Brochure 12/1/11 9:13 AM Page 1

Brochure:Brochure 12/1/11 9:13 AM Page 1 Brochure:Brochure 12/1/11 9:13 AM Page 1 Brochure:Brochure 12/1/11 9:14 AM Page 2 PASSENGER & TRUCKING TRANSPORTATION Picture yourself with a different kind of transportation insurance company. One that

More information

plans are available to groups from 3 to 99 lives!

plans are available to groups from 3 to 99 lives! Featured Carriers Aetna Building on its 150-year heritage, Aetna is one of the nation s leading providers of health, dental, group, life, disability, and long-term care benefits. They provide benefits

More information

Kentucky Consumer Guide

Kentucky Consumer Guide Kentucky Consumer Guide To Buying Car Insurance Attorney-At-Law 859.254.7076 859.281.6541 FAX Page 2 Phone: (859)254-7076 Copyright 2012 by All rights reserved. No part of this report may be reproduced,

More information

10) General Description of Type, Activities & Operations of Business:

10) General Description of Type, Activities & Operations of Business: WORKER S COMPENSATION INSURANCE QUESTIONNAIRE WE SHOP THE INSURANCE MARKET FOR YOU! Business Competitive Edge Insurance Services, Inc. Mailing Address: P.O. Box 1418, Lincoln, CA 95648, Lic. # 0E44204

More information

optimizingtheindependent contractorstatus

optimizingtheindependent contractorstatus optimizingtheindependent contractorstatus Who cares more about your financial future than you? The financial distinction between employees and the independent contractor can be summarized this way: Employee:

More information

January 1, 2009. Group Umbrella Liability Insurance Plan MMC

January 1, 2009. Group Umbrella Liability Insurance Plan MMC January 1, 2009 Group Umbrella Liability Insurance Plan MMC Group Umbrella Liability Insurance Plan This optional insurance provides additional liability coverage above the limits of your personal insurance,

More information

INSURANCE AGENTS APPLICATION FORM

INSURANCE AGENTS APPLICATION FORM INSURANCE AGENTS APPLICATION FORM Last Name First Name Title Mailing Address Town/City State Zip Phone E-mail Address Do you have a current professional liability policy in place? If, what is the Retro-active

More information

Qcommission Sample Plans Industry Insurance Broker Agency

Qcommission Sample Plans Industry Insurance Broker Agency Introduction Qcommission Sample Plans Industry Insurance Broker Agency The Insurance Industry is one of the oldest industries in the world. Insurance is a product that transfers risk from an individual

More information

Financial Goals. Member Benefits of the. Provided through

Financial Goals. Member Benefits of the. Provided through Reach for Your Financial Goals With Exceptional Member Benefit Solutions Member Benefits of the Provided through Supporting Your financial GOALS With Superior Insurance and Investment Solutions To help

More information

You Deserve It! Auto insurance discounts from MetLife Auto & Home

You Deserve It! Auto insurance discounts from MetLife Auto & Home You Deserve It! Auto insurance discounts from MetLife Auto & Home You re already protected by some of the most valuable auto coverages available today like replacement cost for total losses and claim-free

More information

An introduction to our General Insurance Broking Service. We ll develop a customised insurance and risk management solution to protect your business

An introduction to our General Insurance Broking Service. We ll develop a customised insurance and risk management solution to protect your business An introduction to our General Insurance Broking Service We ll develop a customised insurance and risk management solution to protect your business We ve been helping Australians create secure financial

More information

LONG TERM DISABILITY. benefits for employees that benefit employers

LONG TERM DISABILITY. benefits for employees that benefit employers LONG TERM DISABILITY benefits for employees that benefit employers Long Term Disability VOLUNTARY Although Americans lose millions of workdays each year to disabilities, too many of us think, It won t

More information

The Principal Financial Group. An Annuity Provider You Can Rely On

The Principal Financial Group. An Annuity Provider You Can Rely On The Principal Financial Group An Annuity Provider You Can Rely On The U.S. Department of Labor (DOL) has issued guidelines to help fiduciaries select appropriate annuity providers (Interpretive Bulletin

More information

The Basics of Insurance Planning Covering the risks

The Basics of Insurance Planning Covering the risks The Basics of Insurance Planning Covering the risks By: Troy Sapp, CFP Commencement Financial Planning LLC Insurance is something none of like to deal with, but it is critical to cover risks that all of

More information

PROTECT YOUR BUSINESS HIRING RIGHT NEW NATIONAL SAFETY & HEALTH STANDARD

PROTECT YOUR BUSINESS HIRING RIGHT NEW NATIONAL SAFETY & HEALTH STANDARD PROTECT YOUR BUSINESS HIRING RIGHT NEW NATIONAL SAFETY & HEALTH STANDARD AGENCY SPOTLIGHT: Robert E. Harris Insurance Agency SPOTLIGHT ON EXCELLENCE IN THIS ISSUE: $800 SAVINGS WHY MOST MARKETING STINKS

More information

Chapter 22. Buying Insurance

Chapter 22. Buying Insurance Chapter 22 Buying Insurance Section 1 Insurance Basics I will be able to list some ways to lower insurance costs. The Language of Insurance 1. Insurance policy Policyholder 2. Insurance coverage Exclusions

More information

2 nd Notice AHCCCS Insurance Requirements ACTION REQUIRED September 29, 2014 Page 1 of 5

2 nd Notice AHCCCS Insurance Requirements ACTION REQUIRED September 29, 2014 Page 1 of 5 Dear Providers and Staff: 2 nd Notice ACTION REQUIRED September 29, 2014 Page 1 of 5 We distributed a blast fax communication to you on July 16 explaining that effective October 1, 2013 AHCCCS updated

More information

The Nuts & Bolts of Insurance for Nonprofits

The Nuts & Bolts of Insurance for Nonprofits The Nuts & Bolts of Insurance for Nonprofits www.steelbridgeins.com 888.647.4777 It s more than what you need. It s what you deserve. Purchasing insurance for a nonprofit organization can be a confusing

More information

Insurance Agents and Brokers Professional Liability

Insurance Agents and Brokers Professional Liability Johnson & Johnson, Inc., Managers, CMGA The Experience of the Past with a Vision for the Future Serving Independent Agents and Companies Since 1930 Insurance Agents and Brokers Professional Liability P.O.

More information

What Is Business Insurance? What Does Business Insurance Cover? How Does Business Insurance Work?

What Is Business Insurance? What Does Business Insurance Cover? How Does Business Insurance Work? What Is Business Insurance? Business insurance includes a broad range of policy options designed to protect a business from financial loss. Every commercial operation has its own unique set of risks, which

More information

REQUEST FOR QUALIFICATIONS FOR INSURANCE BROKER (AGENT) SERVICES

REQUEST FOR QUALIFICATIONS FOR INSURANCE BROKER (AGENT) SERVICES REQUEST FOR QUALIFICATIONS FOR INSURANCE BROKER (AGENT) SERVICES PROPOSED INSURED: Kootenai County Fire & Rescue P.O. Box 2200 Post Falls, ID 83877 PROPOSAL CONTACT: Ron Sampert, Chief Samantha Babich,

More information

Business Insurance. AKD Consultants Adam Dworkin CPA 188 Whiting Street Suite 10 Hingham, MA 02043 781-556-5554 Adam@AKDConsultants.

Business Insurance. AKD Consultants Adam Dworkin CPA 188 Whiting Street Suite 10 Hingham, MA 02043 781-556-5554 Adam@AKDConsultants. AKD Consultants Adam Dworkin CPA 188 Whiting Street Suite 10 Hingham, MA 02043 781-556-5554 Adam@AKDConsultants.com Business Insurance Page 1 of 6, see disclaimer on final page Business Insurance What

More information

PUT YOUR HOUSE IN ORDER

PUT YOUR HOUSE IN ORDER PUT YOUR HOUSE IN ORDER Cetera Investment Services Susan J. Cavell, Investment Executive 200 E. Main St. Harbor Springs, MI 49740 Tel: (231) 526-3997 Fax: (231) 526-9575 Securities and insurance products

More information

Insurance Financial Solutions Risk Strategy Wealth & Risk Management

Insurance Financial Solutions Risk Strategy Wealth & Risk Management Insurance Financial Solutions Risk Strategy TM INSURANCE & FINANCIAL SERVICES FIRM Our insurance specialists provide customized risk solutions for companies of all sizes. Shopping with a network of national

More information

Empty Nesters/ Seniors Considerations. I. Auto Insurance 401 Page 2. II. Home Insurance 401 Page 3. III. Life Insurance 401 Pages 4 5

Empty Nesters/ Seniors Considerations. I. Auto Insurance 401 Page 2. II. Home Insurance 401 Page 3. III. Life Insurance 401 Pages 4 5 Empty Nesters/ Seniors Considerations As an empty nester whose children have recently left home or a senior citizen, you re probably familiar with the basic facts about insurance. However, your needs at

More information

Business Owners Insurance. made simple

Business Owners Insurance. made simple Business Owners Insurance made simple What s inside: How to read an Allstate Businessowners Policy Declarations Protecting your building and business personal property Understanding deductibles and coverage

More information

Insurance LESSON 18. How Do I Purchase Insurance?

Insurance LESSON 18. How Do I Purchase Insurance? Insurance LESSON 18 In life, bad things happen. Unpleasant as it may seem, something life threatening or fi nancially devastating could happen to you right now. Someone could steal your MP3 player or your

More information

Schedule of Commercial Lines Commissions in Illinois

Schedule of Commercial Lines Commissions in Illinois Under 100,00 Over 100,000 Small Commercial New Renewal New Renewal Spectrum Spectrum FailSafe MEGA Technology Errors or Omissions (Tech E&O) Coverage Part Spectrum for Construction, Auto Services, Real

More information

our business is growing yours

our business is growing yours our business is growing yours ABOUT CBIZ n One of the nation s leading: Accounting Providers Employee Benefits Specialists Property & Casualty Agencies Valuation firms Medical Management Practice firms

More information

PERSONAL LIABILITY UMBRELLA POLICY PROTECTING YOUR DREAMS

PERSONAL LIABILITY UMBRELLA POLICY PROTECTING YOUR DREAMS PERSONAL LIABILITY UMBRELLA POLICY PROTECTING YOUR DREAMS THE BIGGER YOUR DREAMS, THE MORE YOU HAVE TO PROTECT. You ve worked towards your dreams a car, a home, spending time with the people you love.

More information

DISABILITY INSURANCE. MetLife Income Guard California SM. Flexible Income Protection that Works for You.

DISABILITY INSURANCE. MetLife Income Guard California SM. Flexible Income Protection that Works for You. DISABILITY INSURANCE MetLife Income Guard California SM Flexible Income Protection that Works for You. Protecting your income is a smart idea. While you may already have life insurance, disability insurance

More information

Greetings, NEA Member Benefits. Helping Make Members' Lives Better. Guy Kendall-Freas Affiliate Relations Specialist. NEA Member Benefits

Greetings, NEA Member Benefits. Helping Make Members' Lives Better. Guy Kendall-Freas Affiliate Relations Specialist. NEA Member Benefits NEA Member Benefits Helping Make Members' Lives Better Guy Kendall-Freas Affiliate Relations Specialist NEA Member Benefits OH/KY/WV Regional Office 1217 Monterey Dr. Mansfield, Ohio 44907 888-749-7380

More information

YOUR CREDIT UNION PARTNER

YOUR CREDIT UNION PARTNER YOUR CREDIT UNION PARTNER Our focus on you is in everything we do Providing value, solving business challenges and delivering products and services to meet your needs: it s what we do. At CUMIS, we are

More information

made simple Boat Insurance What s inside:

made simple Boat Insurance What s inside: Boat Insurance made simple What s inside: How to read an Allstate Boatowners Policy Declarations Understanding boatowners insurance Coverages Deductibles Coverage limits What to do in case of an accident

More information

Helping Secure the Future for Businesses and Individuals

Helping Secure the Future for Businesses and Individuals Helping Secure the Future for Businesses and Individuals Strategic Partnership A Relationship of Trust Wealth Management Strategies Business Exit Planning Executive Compensation Estate Planning Employee

More information

CHAPTER 18 GENERAL INSURANCE

CHAPTER 18 GENERAL INSURANCE WISCONSIN LEGISLATOR BRIEFING BOOK 2015-16 CHAPTER 18 GENERAL INSURANCE Insurance protects against unexpected losses of income or property. The state regulates general insurance matters through the Office

More information

Amendment (with title amendment)

Amendment (with title amendment) Senate CHAMBER ACTION House. 1 2 3 4 5 6 7 8 9 10 11 12 13 Representative Sprowls offered the following: Amendment (with title amendment) Remove lines 1040-1099 and insert: Health insurers shall submit

More information

FAMILY GUIDE TO FINANCIAL AID TUITION AID ASSESSMENT GUIDE NO.

FAMILY GUIDE TO FINANCIAL AID TUITION AID ASSESSMENT GUIDE NO. A FAMILY GUIDE TO FINANCIAL AID TUITION AID ASSESSMENT GUIDE NO. 03 Funding better education through partnership TADS is a tuition aid service that works with families and schools to create successful

More information

Benefits Handbook Date November 1, 2011. Group Umbrella Liability Insurance Plan Marsh & McLennan Companies

Benefits Handbook Date November 1, 2011. Group Umbrella Liability Insurance Plan Marsh & McLennan Companies Date November 1, 2011 Group Umbrella Liability Insurance Plan Marsh & McLennan Companies Group Umbrella Liability Insurance Plan This optional insurance provides additional liability coverage above the

More information

You Don t Have To Go To Strangers For All Your Insurance & Financial Services

You Don t Have To Go To Strangers For All Your Insurance & Financial Services Financial & Insurance Services... The Credit Union Way MARCH 2010 1-888-439-0770 Email: cufig@goabco.org You Don t Have To Go To Strangers For All Your Insurance & Financial Services YOU CAN NOW GO TO

More information

Economical Select. See what we can do for you. Discover auto and home insurance designed to meet the needs of your group.

Economical Select. See what we can do for you. Discover auto and home insurance designed to meet the needs of your group. Economical Select See what we can do for you Discover auto and home insurance designed to meet the needs of your group. Who doesn t enjoy saving money? With Economical Select, everyone benefits. We offer

More information

Structured Settlements

Structured Settlements Structured Settlements Flexible solutions for nonphysical injury and other claims Allstate has the answer for nonphysical injury claims. Structured settlements are used to meet the financial needs of the

More information

Trusted Protection at Every Turn

Trusted Protection at Every Turn Trusted Protection at Every Turn Great American TRUCKING Division You do a lot to keep America moving, and we re here to help. It s not always easy out there on the road, but with Great American at your

More information

A. In this chapter, the following terms have the meanings indicated. A nonprofit health service plan; or. A health maintenance organization.

A. In this chapter, the following terms have the meanings indicated. A nonprofit health service plan; or. A health maintenance organization. ALL NEW MATTER.01 Scope. This chapter applies to: A. Each carrier that offers a medically underwritten health benefit plan in the nongroup market in the State; and B. Each SAAC carrier..02 Definitions.

More information

ADVANCED PROSPECTING WITH THE FORM 5500. Brought to you by:

ADVANCED PROSPECTING WITH THE FORM 5500. Brought to you by: ADVANCED PROSPECTING WITH THE FORM 5500 Brought to you by: What is FreeERISA.com Signing Up The Form 5500 The 5500 is the annual DOL disclosure Form required for all ERISA qualified benefit plans Filed

More information

Insurance solutions for the financial services industry that deliver what you want and need.

Insurance solutions for the financial services industry that deliver what you want and need. Insurance solutions for the financial services industry that deliver what you want and need. strong protection singular focus unmatched expertise outstanding personal service Experts focused on your protection.

More information

EXHIBIT K: New Jersey Individual Health Coverage Program Assessment Report For the Two-Year Calculation Period -

EXHIBIT K: New Jersey Individual Health Coverage Program Assessment Report For the Two-Year Calculation Period - EXHIBIT K: New Jersey Individual Health Coverage Program Assessment Report For the Two-Year Calculation Period - All carriers reporting accident and health premium to the New Jersey Department of Banking

More information

optimizing the independent contractor status

optimizing the independent contractor status optimizing the independent contractor status Who cares more about your financial future than you? The financial distinction between employees and the independent contractor can be summarized this way:

More information

Your Mandatory Retirement Plan. Decision Guide

Your Mandatory Retirement Plan. Decision Guide Mandatory Decision Guide > Appalachian State University East Carolina University Elizabeth City State University Fayetteville State University North Carolina A&T State University North Carolina Central

More information

PERSONAL WEALTH DEVELOPMENT QUESTIONNAIRE

PERSONAL WEALTH DEVELOPMENT QUESTIONNAIRE PERSONAL WEALTH DEVELOPMENT QUESTIONNAIRE Canby Financial Advisors, LLC 161 Worcester Road, Suite 408 Framingham, MA 01701 Phone 508-598-1082 Fax 508-598-1087 www.canbyfinancial.com Securities and some

More information

Benefits of Membership

Benefits of Membership Benefits of Membership POWERFUL REPRESENTATION AND INFORMATION The primary purpose of the association is representing the home building industry in front of Virginia s legislators, regulators, and lawmakers.

More information

Insurance built to protect your business.

Insurance built to protect your business. COMMERCIAL INSURANCE Insurance built to protect your business. SAHOURI. Insurance made simple. SM WE ARE SAHOURI. 45 + Years of Experience 97% Client Retention Rate 100% Privately Held 100% Client Focused

More information

GUIDEONE INSURANCE A COMPANY YOU CAN BELIEVE IN COVERAGE YOU CAN COUNT ON. CLAIMS SERVICE YOU CAN COUNT ON

GUIDEONE INSURANCE A COMPANY YOU CAN BELIEVE IN COVERAGE YOU CAN COUNT ON. CLAIMS SERVICE YOU CAN COUNT ON CLAIMS SERVICE YOU CAN COUNT ON IF YOUR CHURCH NEEDS TO REPORT A CLAIM, GuideOne makes it as easy as possible with our industry-leading claims service: Call the convenient, toll-free GuideLine Express

More information

An Introduction to: Independent Contractor Status & Accident Insurance

An Introduction to: Independent Contractor Status & Accident Insurance An Introduction to: Independent Contractor Status & Accident Insurance Wilson Gregory Agency s Relationship With Our Partners Is To Help Preserve the Independent Contractor method of distribution Protect

More information

For the past 50 years, we have assured you the best coverage.

For the past 50 years, we have assured you the best coverage. For the past 50 years, we have assured you the best coverage. TABLE OF CONTENTS OUR PHILOSOPHY OUR MISSION OUR PROFESSION OUR EXPERTISE 02 03 04 05 CONSTRUCTION TRANSPORTATION SERVICE INDUSTRY COMMERCIAL

More information

DISABILITY INSURANCE. MetLife Income Guard SM. Flexible Income Protection That Works for You.

DISABILITY INSURANCE. MetLife Income Guard SM. Flexible Income Protection That Works for You. DISABILITY INSURANCE MetLife Income Guard SM Flexible Income Protection That Works for You. Protecting your income is a smart idea. While you may already have life insurance, disability insurance can help

More information

Specialized Insurance. Unmatched Expertise.

Specialized Insurance. Unmatched Expertise. Specialized Insurance. Unmatched Expertise. The General Insurance Group specializes in the property and casualty commercial insurance market. Old Republic General Insurance Group Who We Are Old Republic

More information

helping you HBL Group llc navigate life s Insurance & Financial Services changes

helping you HBL Group llc navigate life s Insurance & Financial Services changes HBL Group llc Insurance & Financial Services navigate life s changes helping you Behaviors are beliefs turned into action and are what deliver results. About HBL HBL was founded with the idea in mind that

More information

Complimentary Financial Planner

Complimentary Financial Planner Complimentary Financial Planner Creating Wealth Since 1922 PERSONAL INFORMATION Name Social Security Number Date of Birth Home Street Address You Your Spouse City, State, Zip Home Telephone Marital Status

More information

SCHWAB OPENVIEW WORKFLOW LIBRARY ONBOARD CLIENT WORKFLOW SERIES: INVESTMENT PLAN CREATION & REVIEW MEETING PROCESS

SCHWAB OPENVIEW WORKFLOW LIBRARY ONBOARD CLIENT WORKFLOW SERIES: INVESTMENT PLAN CREATION & REVIEW MEETING PROCESS SCHWAB OPENVIEW WORKFLOW LIBRARY ONBOARD CLIENT WORKFLOW SERIES: INVESTMENT PLAN CREATION & REVIEW MEETING PROCESS Document ID: 012359 Document Date: June 12, 2012 Document Version: 12.06.A Disclosures:

More information

DATE ISSUED: 7/24/2014 1 of 7

DATE ISSUED: 7/24/2014 1 of 7 INSURANCE FOR Contracted projects of any size will be adequately insured. Anyone making a purchase and the purchasing department will verify coverage and will not waive any insurance requirements unless

More information

PERSONAL FINANCIAL ORGANIZER

PERSONAL FINANCIAL ORGANIZER PERSONAL FINANCIAL ORGANIZER SENIOR SOLUTIONS OF AMERICA, INC. www.todaysseniors.com COPYRIGHT 2007 SENIOR SOLUTIONS OF AMERICA, INC. ALL RIGHTS RESERVED. ORGANIZING YOUR PERSONAL FINANCES Are your financial

More information

THE ART OF COMMERCIAL REAL ESTATE

THE ART OF COMMERCIAL REAL ESTATE THE ART OF COMMERCIAL REAL ESTATE SM art (art) 1. The use of skill and imagination in the creation of aesthetic objects, environments, or experiences that can be shared with others. A Leader in Commercial

More information

1) GENERAL INFORMATION

1) GENERAL INFORMATION 1) GENERAL INFORMATION IDENTIFICATION Name : Occupation: Citizenship: Social Insurance number: Medicare number: Date of birth: PROFESSIONAL INFORMATION Employer s name: Date of commencement of employment:

More information

WESCO INSURANCE COMPANY INSURANCE AGENTS AND BROKERS ERRORS AND OMISSIONS APPLICATION

WESCO INSURANCE COMPANY INSURANCE AGENTS AND BROKERS ERRORS AND OMISSIONS APPLICATION Section I 1. Legal Entity / Agency Name: DBA: (if applicable): Physical Address: WESCO INSURANCE COMPANY INSURANCE AGENTS AND BROKERS ERRORS AND OMISSIONS APPLICATION Mailing Address: Phone No.: Email

More information