- Health InsuranceIn order to properly serve our clients, we routinely collect certain non-public information. This is used to assist us in determining the proper products for our clients, assemble underwriting information for the carriers whom we contact to obtain quotes and place coverage, and provide services. Although we generally are not directly involved with the administration of claims on life, accident or health insurance products, we may from time to time participate in the administration of certain claims where non-public personal information may become relevant. To comply with this Act, when we anticipate that personal medical or health information may be disclosed to us, we will request the execution of a disclosure authorization relating to the federal Health Insurance Portability and Accountability Act. JMB Insurance employees with access to non-public personal information are required to comply with this policy.
- Disability InsuranceOur process for the placement of our client’s health and welfare plans (medical, dental, vision, life and disability insurance) begins months in advance of the actual renewal date. We view this as a strategic opportunity to help our clients determine if they are offering the right suite of benefits for both the employer and employees. It is also an opportunity to review alternate funding, provider networks or new solutions in the industry to help improve health and reduce cost.
- Long Term CareWe develop custom plans tailored to your family’s unique situation, ensuring you are covered for emergencies and that you are positioned to achieve your financial goals and secure your future legacy. We can assist in designing programs and introducing solutions and products which address income protection & replacement, life and disability Insurance, wealth protection, wealth transfer, philanthropic planning and long-term care. All of this comes with attention to detail including a review of confidential medical & financial underwriting, account service and personal risk management programs in place.
- Workers Compensation InsuranceWith over 40 years' experience, we are uniquely positioned to handle your Auto, General Liability, Property, Umbrella and Workers' Compensation needs.
- AnnuitiesWe do not disclose any non-public personal financial information to anyone, except as we may deem necessary to service our clients or comply with applicable law as well as insurance and securities industry regulations. For example, we may disclose non-public personal information in connection with our survey of insurance markets and the filing of coverage applications with various insurance carriers, general agents, registered brokers through whom we or our producers market regulated products under SEC and FINRA rules, such as variable annuities, or other industry sources. Such disclosures may be made to affiliated or non-affiliated persons or entities involved in the underwriting, processing, servicing and marketing of insurance products and adjusting and administration of claims and may include disclosures to companies that perform services on our behalf or with whom we have joint marketing agreements. We will not disclose any information if such disclosure would be contrary to applicable law; however, there are times when we are required by law or permitted to provide your non-public personal information to authorized persons or entities, including, but not limited to...