David M. Coleman Insurance Agency - products
David M. Coleman Insurance Agency offers a wide variety of products that provide the protection and coverage you need. Our agency has developed partnerships with several of the country's largest insurance providers to match your needs with the best products at the most competitive prices. Our Companies: Auto-Owners Insurance Chubb Insurance Company CNA Insurance Company Grange Insurance Hagerty Insurance Hanover Illinois Mutual Insurance Company Indiana Insurance Company Medical Mutual Insurance Company Motorists Insurance Companies Ohio Casualty Ohio Mutual Insurance Group Safeco West Bend Mutual Insurance Company (NSI) Products that we offer include: Financial Planning Business Insurance Personal Insurance Long Term Care Insurance FINANCIAL PLANNING Retirement Planning We can assist you in developing a plan for Retirement Funding. IRA'sAn Individual Retirement Annuity is a type of personal pension plan. An IRA is designed to help you accumulate money for retirement. Are you aware of the tax-free benefits that Roth and traditional IRA's offer? AnnuitiesWill your pension fall short of providing you with enough retirement income? Are you concerned with the future of Social Security? Do you have money that you want to save for the future? Is the idea of tax-deferred earnings attractive to you? If you have answered yes to any of these questions, an annuity may be just right for you. Estate PlanningWhatever your age, your long-term financial plan should include provisions for maintaining control over the distribution of your estate. It is important that you consider how you want your assets to pass to your heirs, as well as how to alleviate the stress of the administrative burden they will face. CollegeEducation IRA's offer the important benefit of tax-free withdrawals for qualified education. We can help you estimate the price of college, many years down the road, and the money needed to save for it now. BUSINESS INSURANCE Property and Liability Property and Liability for your business and the work that you do. Regardless of whether your business is manufacturing, contracting, retail, wholesale, construction or service, we can find and tailor a program to match your needs. Commercial AutoEnhanced coverage for the vehicles used in commercial businesses. Health InsuranceSmall and large group health insurance for your business. We offer traditional health plans and Major Medical with Health Savings Accounts (HSA). Business Life Insurance - Key Person, Executive Bonus, Split Dollar and Buy / Sell FundingCan you afford to operate your business without your key employee or fund its perpetuation? 401K'sWe are able to work with employers on establishing their employees' 401K and / or profit - pension plan. Professional LiabilityProfit and non-profit business entities need Professional Liability and Director's and Officer's Liability coverages. Today's society puts high demands on your actions. Failure to perform can lead to costly litigation and settlements. Employment Practices LiabilityStatistics show an Employer is more likely to have an employment claim than a Property or General Liability Claim. Sexual Harassment charges have more than doubled from 1991 to 1996. The average jury award for Employment Claims has almost doubled from approximately $168,000 in 1990 to $300,000 in 1996. Why risk it when affordable broad coverage is now available designed exclusively for the small employer. PERSONAL INSURANCE Auto Insurance We represent several companies, which gives us the opportunity to shop around for best value for you.Classic Vehicles and BoatsWe represent Hagerty Insurance, a nationally recognized company that insures Classic Automobiles, Motorcycles, Boats and Tractors.Call for a free quoteHomeownersWe offer coverage to the worth of your house, household contents and personal liability. Our policies offer many extra features.UmbrellasCoverage over and above your liability which increases your protection and protects your assets. Life Insurance Universal: Flexible premium adjustable benefit. Term: Temporary protection written for a specific time. Pure protection because there is no permanent cash value. Return of Premium Term Policies: All premiums are returned at the end of the term policy if policyholder is living. Second to Die: Covers two or more lives. Mortgage / Debt Cancellation Health InsurancePPO, Major Medical and Short-term policies.DisabilityCoverage for when you are hurt or sick and unable to work and you want to continue your income. Long Term Care InsuranceProtect your life savings and assets from catastrophic illness. Long Term Care (LTC) Insurance can do this plus give you choices of care Nursing Home, Home Health Care and Assisted Living. The information in this article was current at 1