Property & Casualty Insurance:

Personal Insurance is an important part of our business and an area that we feel must be well coordinated with any business and/or estate plan. Our clients look to us for:
House, Condominium & Apartments
Personal Liability & Umbrella
Fine Arts, jewelry, silver coverage
Kidnap/Ransom
Aircraft
Yachts
Automobiles

Business Insurance issues are identified and solved for start up, as well as mature companies. Felton & Berlin can work as your risk manager in developing, designing, marketing, implementing and servicing your Corporate insurance program. This can include the following product areas:

Workers Compensation
Business Automobile
Building & Contents
Professional Liability
General Liability & Umbrella
Product Liability
Directors & Officers Liability
Business Interruption

Life Health and Group:

For our Corporate clients, we identify, design, market, implement and service the following benefit programs either with our staff or with affiliated professional benefit administration companies:

Health Plans
Dental Plans
Life Insurance
Disability Protection
Long Term Care
Profit & Pension Plans
401(k)
Non-Qualified Retirement Plans
SEP

Section 125 Plans Individual Life, Disability and Health Insurance:
We advise our customers in the efficient use of Life insurance, individual Disability insurance, Annuities and Health insurance to fund well thought out estate and business planning objectives. We interact with their attorneys and accountants in the implementation of the funding of these plans.

Life Insurance products, such as term insurance and permanent insurance are used to fund the following objectives:
Individual Family Needs
Estate Preservation
Stock Redemption Agreements
Executive Compensation
Buy/Sell Partnership Agreements
Deferred Compensation
Key Person
Split Dollar Funding
Charitable Giving

Disability Insurance products sold on an individual contract basis are used to fund the following objectives:
Income Replacement
Key Person
Stock Redemption Agreements
Business Overhead Expenses
Buy/Sell Partnership Agreements

Health Insurance products may be obtained on an individual basis when employer-sponsored plans are not available.

Long Term Care Insurance products may be obtained on an individual or employee benefit basis. This product helps preserve estate assets for your spouse and heirs.
Annuities may be used to invest savings on a tax-deferred basis. They also serve as a means to invest and pay out lump sum settlements such as legal judgments, workers' compensation settlements and lottery winnings.