Laserfiche WebLink
Guardian Proposal <br />PROPOSAL ? Prepared for i Mayfield Viliage <br />WHY GUARDIAN? <br />Your broker is: benny Stusek <br />BGS Assaciates LLC <br />32901 Station 5treet <br />Suite 206 <br />Solon, OH 44139 <br />Email: dsfusek@6qsassociates.eom <br />No matter how 6ig your business is, insurance is more than just a business tlecision. It's also a personal decision. The <br />benefits you provide help protect your employees and their families - employees who work hard to make your business a <br />success. Yet, you still need to look out for the needs of the company as a whole. For 150 years, Guardian has been <br />providing diversified financial strategies to Americans nationwide; and for over 50 years we've been helping companies <br />strike the balance for employee benefits. We recognize that each situation is different. So we 6ring a wide variety ofi <br />options to the table. Financial strength and stability. A broad product portfolio. Flexibility in the choice of features. And the <br />personal expertise to help you navigate yaur choices. <br />Broad Range of Flexible Products <br />We offer a comprehensive product portfolio including Dental, Life, Disability, Medical, Critical Illness, Section 125/Flex Plan <br />and Vision Care. Guardian's integrated service solution makes it easy to administer and manage all your 6uardian benefits. <br />Responsive, Personalized Service <br />Guardian's responsive customer service and personal attention makes us unique. <br />¦ Fast claims turnaround - an average of three days. <br />¦ Access to live customer service representatives to answer employees' quesfions- so you don't have to. <br />¦ Guardian Anytime - our online benefit management system offers secure access to benefits information for plan <br />administrators and employees. <br />¦ Enrollment Support - including a toll-free Employee Benefits Hotline to answer questions prior to enrollment. <br />¦ Dedicated Account Managers for plans with over 500 participants (100 for medical). <br />Guardian is Your Supportive Partner <br />We support the businesses we serve by providing an integrated service solution to help meet the needs of both businesses <br />and employees. <br />¦ Dedicated Benefit Advisors and our Enrollment Success Plan help to maximize participation in your plans. <br />¦ One consolidated bill for all your Guardian benefits plans. <br />¦ A single phone number for all plan administration needs. <br />¦ Value added options and discounts for multiple lines of coverage. <br />Financial Strength and Stability <br />In uncertain economic times, the financial strength and stability of your insurance company becomes a key factor in the <br />selection process. In July 2008, S&P upgraded us to an AA+ rating and in November AM Best upgraded us to their highest <br />rating, A++ (Superior). As of October, 2009, four rating companies have affirmed Guardian's ratings: Fitch (AA+Nery <br />Strong); Moody's (Aa2/Excellent); Standard & Poor's (AA+Nery Strong), and A.M. Best (A++/Superior). As a mutual <br />company with more than 5,000 employees, Guardian's financial strength allows us to demonstrate our long term <br />commitment to our customers today, and in the future. <br />CELEBRATING I YEARS <br />(??o Flnaneial information for 6uardian on astatutory basis as of 12/31/08: Admifled Assets =$29A Billion; Liabilities =$25.3 Billion (including $22.1 Billion or <br />Reserves); and Surplus = $3.7 Billion. <br />Rates and premiums are based on the employee data submitted. Final rates and premiums are based on the plan and <br />employeeldependent data provided on the enrollment forms. <br />GUARDIAN' <br />The Guardian Life Insurance Company of America, New York, NY <br />? xh , 6, ? ?--