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stBS("p0",[0,0]);
stIT("p0i0",["Life & Health (individual & group)","","_self","","","grayfolded_f.gif","grayfolded_uf.gif",16,16,"11pt 'Century Gothic'","#006600","none","transparent","","no-repeat","11pt 'Century Gothic'","#000000","none","transparent","","no-repeat","11pt 'Century Gothic'","#006600","none","transparent","","no-repeat","11pt 'Century Gothic'","#000000","none","transparent","","no-repeat",1,0,"left","middle",0,0]);
stBS("p1",[],"p0");
stIT("p1i0",["Although insurance can never replace the loss of a loved one, life insurance can \r\nhelp mitigate any financial hardship presented by an untimely death. Life insurance \r\ncan also be a means of passing wealth onto a person’s heirs, if they are fortunate \r\nenough to live a full life. While each person and family’s financial picture is unique, life \r\ninsurance is commonly used in the following instances:\r\n\r\n* Provide for a child or grandchild’s education\r\n* Provide for living expenses for a surviving spouse or family\r\n* Pay off existing loans or mortgages\r\n\r\nHealth Insurance provides a way to help defray the rising cost of medical expenses. It \r\npays for hospital and doctors visits, surgical procedures, prescription drugs, and \r\nother medical related costs. Most individuals and families purchase health insurance \r\nas a part of an employer sponsored group plan. Even so, many times, the individual \r\nor family has several options from which to choose. At Marquis our review of your \r\nexisting policy and the other options available to you, will help you decide which\r\npolicy best fits with your needs.\r\n\r\n    ",,,,,"","",0,0,"9pt 'Century Gothic'","#666666",,,,,"9pt 'Century Gothic'",,,,,,"9pt 'Century Gothic'","#000000",,,,,"9pt 'Century Gothic'","#666666"],"p0i0");
stES();
stIT("p0i1",["Disability (individual & group)"],"p0i0");
stBS("p2",[],"p0");
stIT("p2i0",["Studies have proven that the probability of a long-term disability is even greater \r\nthan the probability of a premature death. Given such, this type of insurance is \r\nespecially important for young to middle-aged workers. When one or both of the \r\nfamily’s economic providers becomes disabled for a prolonged period of time, the \r\nfamily can suffer from two types of economic loss:\r\n\r\n* Either diminished or total loss of income because the individual is unable to work\r\n* Medical expenses from the illness or injury.\r\n\r\nA long-term disability insurance policy can help protect against such losses by \r\nguaranteeing a replacement source of income for a specified period of time, or \r\nuntil age 65.\r\n\r\n   "],"p1i0");
stES();
stIT("p0i2",["Key Person and other Business Continuance Insurance"],"p0i0");
stBS("p3",[],"p0");
stIT("p3i0",["Insurance can also be used as a means of protecting a business from the economic \r\nloss of a key employee or business owner. This is especially important in the case \r\nof a closely-held or family business.\r\n\r\nLife insurance is most commonly used as a funding medium for a buy-sell agreement. \r\nIn the event of an untimely death of a business partner, the insurance policy \r\nwould allow the remaining partners to purchase the late partner’s ownership \r\ninterest, an action that is in the best interest of both the business and the l\r\nate partner’s family.\r\n\r\nBusiness Overhead insurance is a form of disability insurance which allows the\r\nbusiness to pay its overhead expenses, including employee’s salaries, in the \r\nevent of an injury or disability to a key employee or business owner.\r\n\r\nWhile these are the most common forms of key person and business continuance\r\n insurance, there are other niche types of insurance that may fit your business \r\nneeds. Marquis will work with the client to understand their business, and any \r\npotential insurance needs.\r\n\r\n    "],"p1i0");
stES();
stIT("p0i3",["Long-Term Care"],"p0i0");
stBS("p4",[],"p0");
stIT("p4i0",["Long Term Care insurance enables you to transfer the economic liability of \r\nlong-term care to an insurance company in exchange for regular premiums. It \r\noffers a viable means of protecting your family against the potentially devastating \r\nexpense of care in a skilled nursing facility (about $50,000 per year), home \r\nhealth care, assisted living and adult day care. Long Term Care insurance \r\nprovides a specified dollar amount per day for care for those who suffer from \r\nthe effects of a chronic illness, disability, or cognitive impairment. Many people \r\nbelieve that Medicare covers this type of medical care, but that is a common \r\nmisconception. Medicare only covers a limited amount of rehabilitative care, \r\nand does not cover long stays in a nursing or assisted-living facility. \r\n\r\n    "],"p1i0");
stES();
stIT("p0i4",["Auto Insurance, Homeowners & Liability"],"p0i0");
stBS("p5",[],"p0");
stIT("p5i0",["As part of the information gathering process we review existing coverages \r\nand recommend changes as appropriate for auto, home, flood and personal \r\numbrella liability coverages."],"p1i0");
stES();
stES();
stEM();