When You Become a Client of Hover Insurance Services, Inc.
We work with you to detail plans and policies that fit within your guidelines for insurance needs. First, we help you identify your insurance goals. With these goals in mind, we then analyze your existing coverage and explore possible alternatives through contact with numerous insurance carriers. Because we are familiar with the insurance marketplace, we can effectively help you choose a plan that minimizes costs without jeopardizing the quality of the product. Once the appropriate product is selected, we back it with personal, professional service.

We're Here to Help You With Change
Hover Insurance Services offers a full range of services. Continuing cost pressures, changes in legal requirements and new options in the insurance field can complicate decision making for you or your company. Our consultants have the expertise to keep you current and to redesign your benefit package as appropriate.

For One Person or an Entire Company
At Hover Insurance Services our approach is designed to ensure that your needs are well defined, your questions are clearly answered and that your benefit plan(s) fulfill your needs. Our procedure applies to both individuals and groups, whether the need is for an individual Universal Life Insurance policy or a comprehensive Employee Benefit program for a large company. Whatever your needs, we can bring it together for you.

Goal Identification
First, we survey your goals. We ask questions about future projections and plans for your company. Specifically, we help you define your objectives by asking some fundamental questions: What are your long and short range goals? Your perception of growth? Your cost objectives? With an understanding of these answers, Hover Insurance Services reviews and restructures your overall insurance package.

Evaluating Current Plans
Hover Insurance Services next works with you to review your existing plans to determine how well these plans match your objectives. We then make recommendations for changes and improvements, large or small, that will satisfy your current requirements.

Exploring Options - Answering Questions
A variety of approaches is possible for any insurance need. With your goals and current coverage in mind, Hover Insurance Services initiates a review process  of various options for you. We collect data and rates from several insurance companies, evaluate the different plan designs and do a cost benefit analysis for you to help you understand the alternatives so that you can make an informed decision to the benefit of yourself or your company.

Optimizing The Plan Design
Most insurance plans have a set of fundamental premises in common. Taking these fundamental premises, Hover Insurance Services fine-tunes the program to your unique needs. Your profession or the nature of your business, your resources and the pros and cons of various options or riders are all taken into account. The result is a program that is designed exclusively for you.

Implementing The Plan
Working with your deadlines, Hover Insurance Services aids you or your administrative staff in implementing plan changes or new coverage. We are available for board and staff meetings, administrative reviews and the
subsequent enrollment process. All underwriting is monitored through our office so that the transition period runs smoothly and efficiently. Our goal is to provide a quick, clear plan installation with as little disruption as possible to you and your business.

Communicating the Plan
Hover Insurance Services handles all aspects of informing our clients about their new coverage. For groups, our firm conducts employee meetings. Our aim is to provide benefit summaries that are clear and understandable. We are available as consultants to answer any questions or to provide clarification of complex issues. Procedures for utilizing the plan are outlined clearly; necessary supplies, contracts and identification are made available to everyone as soon as possible. Our consultants are easily accessible for personalized communications.

Keeping Current On Legal And Regulatory Requirements
Seminars, research and special reports are provided on a regular basis for our clients. Our purpose is to keep you abreast of the latest information concerning legal and regulatory provisions pertinent to the Employee Benefit field. Our resources include:

• Employee Benefits Institute of America
• California Legal Updates
• International Foundation of Employee Benefits
• Seminars and conferences
• Associates and affiliations

Keeping The Program On Course
The final step in the Hover Insurance Services approach is to service your account after implementation of the new plan. Our service with you means that we review your plan on a pre-arranged set schedule. We modify or expand your program as changes occur and help solve any administrative or claim problems that arise. Above all, client service means a personal relationship between you and us, your consultants. The maintenance of this relationship is our most important objective.