Dear Valued ISPLS Member:

The purpose of this special correspondence is to announce that the ISPLS Board on 10/24/98 approved the rollout of three more insurance programs that will be of significant benefit to most members.

Benefit #1: Land Surveyors Errors and Omissions [Professional Liability]

ISPSL members will receive special custom-tailored coverage's and special discount pricing for this type of important liability coverage. Premiums start as low as $1,OOO/yr, with a minimum deductible of $2,500. A variety of specialized coverage enhancements will be included along with FREE contract review services via 800 number. Coverage is provided by an A + rated insurance carrier specializing in Land Surveyors, Architects and Engineers.

Please contact Tod Wallgren for more information; twallgren@agencyassoc.com, 228-3778, toll free 877-647-2242. Or simply download this liability application, complete and fax back to him at 317-471-1700 for your no obligation quote.

Download E & O Application

Benefit #2: Group Health Insurance

We provide group health insurance plans for the ISPLS member and their staff.

The minimum number of persons required for a group is two; however, certain participation requirements do apply. Deductibles are available from $250 to $5,000 with other available benefits such as group life insurance, group dental and group vision.

Please contact Tod Wallgren for more infornation on group health insurance plans available twallgren@agencyassoc.com. 317-228-3778, toll free 877-647-2242. Or you may receive a quote by downloading the attached quote fonDS and fax to him at 317-471-1700

Download Group Health Quote Request

Download Group Health Enrollment Application

Benefit #3: Individual/Family Health Insurance

We provide individual/family plans for the ISPLS members with deductible levels beginning at $250 up to $5000, including a Health Savings Account lliSA) option. Individual Dental and Life insurance may also be selected as part of your individual health insurance plan as riders with an additional minimal premium.

Please contact Tod Wallgren for more information on individual health insurance plans available; twallgren@agencyassoc.com. 317-228-3778, toll free 877-647-2242. Or you may receive a quote by downloading the attached quote form and fax to him at 317-471-1700

Download Individual Health Quote Request

Anthem Quote Link

Benefit #4: Life Insurance

Millions of Americans have no life insurance coverage.  Coverage limits are higher today but those who have life insurance fee they are underinsured.  Many U.S. households are not prepared for the death of a primary wage earner.  Americans want more insurance but offer many excuses for not buying…..

Do you feel you fall into one of these categories?  If so contact Agency Associates, Inc. to find out how simple it is to obtain coverage along with the low premiums now available.  Contact Tod Wallgren at twallgren@agencyassoc.com or simply complete the quote form below and fax back to Tod at 317-471-1700.

• Download AAI Life Insurance Quote Request
• Download MetLife Brochure

Benefit #5: Homeowners and Automobile

Are you aware that you can save up to 30 percent on your homeowner and automobile coverage through the Agency Associates, Inc.? We have several members who have changed to our plan because of the savings and simplicity of making the change. We know the last thing anyone wants to do is dig out his or her current policies and shop around, so we want to make it as easy as possible for you. Contact our Personal Lines Manager Jackie McGinnis today at jmcginnis@agencyassoc.com, or 317-228-8522 she will take care of you personally!

If you would rather complete the quote form below and fax to Jackie, you can print, complete and fax to 317-471-1700.

Benefit #6: Workers Compensation

This coverage obligates the insurer to pay all compensation and other benefits required of the business by the workers compensation law or occupational disease law of any state listed in the policy. The coverage applies to bodily injury by accident and by disease for on the job injuries.

There is no dollar limit for the benefits provided. Benefits are paid without regard to fault. This includes all necessary medical and rehabilitation costs associated with an on the job injury.

Loss time wages is a component of the law, known as indemnity. The amount of payment is 2/3 of your average weekly wage subject to the state of Indiana's current minimum and maximum weekly wage of $75 and $900 respectively. This is payable no sooner than two weeks from the 8th day after the loss date. Loss time wages are then paid bi-weekly.

The State of Indiana requires employers to provide their workers with Worker's Compensation coverage's subject to minimum statutory limits.  Contact Tod Wallgren for more information at twallgren@agencyassoc.com or 317-228-3778.

Benefit #7: Long Term Care

Research shows that 7 in 10 individuals will need in-home care during their lives. And, 1 in 2 women and 1 in 3 men who reach age 65 will use nursing home services at some point in their lives. The current average cost for nursing home care in Indiana is approximately $50,000 per year. The cost will vary by geographic area and by facility.

It is important to look into purchasing long term care insurance while you are still healthy enough to qualify for coverage. In addition, premiums are based on age at time of purchase. The younger you are, the less expensive the premium.

Tod Wallgren will be happy to help you with your Long Term Care needs, contact Tod at 317-228-3778 or twallgren@agencyassoc.com

Benefit #8: Disability Insurance

Long Term Disability (LTD)

You have life insurance, home insurance, and automobile insurance.  But is your Income insured? Statistics show you are much more likely to be injured in an accident than to die from one.

• A fatal injury occurs every 5 minutes, and a disabling injury occurs every second.¹

While many people survive accidental injuries, many others live with serious illnesses

• In the United States, men have slightly less than a 1-in-2 lifetime risk of developing cancer; for women, the risk is a little more than 1-in-3.²
• One in three adult men and women has some form of cardiovascular disease.  High blood pressure is the most common form of cardiovascular disease.³

Advances in medicine are allowing us to live longer.  However, recovery from a serious illness or injury often requires time away from work.

• More than a quarter of stroke victims are under age 65.⁴

Contact Tod Wallgren to help you with your disability needs at 317-228-3778 or twallgren@agencyassoc.com, or simply complete the quote form below and fax back to Tod at 317-471-1700

• Download Disability Income Qoute Request

Benefit #9: Commercial Property and Liability

ISPLS members will be able to purchase at special reduced pricing. Commercial P&C insurance [excluding professional] especially designed for land surveyors. This special P&C program is offered by an insurance carrier headquartered in Indiana which specializes in association insurance programs. Coverages will be custom-tailored for land surveyors.

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National Safety Council, Injury Facts, 2005-2006 Edition
American Cancer Society, Cancer Facts & Figures 2006
American Heart Association, Heart Disease and Stroke Statistics – 2006 Update
USA Weekend, “All in the Family, “ January 29, 2006