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What Kind of Business Is Wise Financial


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									Protecting Your Financial Portfolio
Why Insurance?

    Insurance is an easy way to protect
      Your lifestyle
      Your family’s sense of well being
      Your belongings
      Your finances
      Your dreams and ambitions for the future

What Kind of Insurance is Available?

 Renters
 Homeowners
 Auto
 Life
 Identity Theft
 Business

Insurance Definitions

   Renters
       Covers the cost to replace or repair the policy holder’s personal
        property, such as furniture, clothing, jewelry and electronics if they
        are damaged or destroyed by specific perils outlined in their policy
        such as fire, tornado and burglary.
   Homeowners
       Covers the cost to replace or repair the policyholder’s structural home
        and personal belongings if they are damaged or destroyed by specific
        perils outlined in their policy, such as fire, tornado and burglary.

Insurance Definitions

   Auto
       Provides coverage for costs to a policy holder involved in an
        automobile accident.
   Term Life
       Pays beneficiaries a specific amount if the policyholder dies while the
        policy is in force. Generally, it is cost-effective, offering maximum
        coverage for the lowest cost.
   Identity Theft
       Is a crime perpetrated by someone who uses another’s personal
        information to establish credit, purchase goods and services with
        existing credit cards, apply for new cards in the victim’s name, drain
        bank accounts, or commit other crimes.

Business Insurance

   Business Owner Policy combines property and liability coverage in one convenient policy.
   Umbrella Liability provides additional coverage that goes beyond the limits of a basic business insurance policy.
   Business Auto provides coverage for cars, trucks and vans used for business purposes.
   Workers’ Compensation Insurance provides income and medical benefits for most workers injured on the job. Wells Fargo
   ExpressPay® Workers’ Compensation Insurance, Quickbooks compatible or stand alone workers’ compensation
    insurance policies are available.
   Property insurance provides coverage to help protect business property against physical loss or damage by theft, fire or
    other means.
   Liability insurance provides coverage to help protect a property holder against damage claims, personal injury, negligence,
   Business Identity Theft provides coverage when loss of customer information occurs.
   Employment Practices Liability provides coverage for an employer against claims made by employees, former employees
   or potential employees.
   Directors and Officers provides coverage for the directors and officers of companies for legal judgments and related
   expenses resulting from allegations of wrongful acts committed in their individual capacity as company directors and
   Professional Liability covers businesses for potentially catastrophic litigation involving professional negligence.
   Group Health protects the insured from financial losses due to medical expenses; group, family, individual, student and
    short term
   health insurance plans available.

Do you have the right coverages?

   Different Requirements for Different People
       Look at your policies and find out what you do or don’t have coverage
       Consult your current agent
         ─   Ask Questions!
         ─   Ask your agent to explain coverages
         ─   Make any necessary adjustments immediately
       Get a Second Opinion

Is Your Agency Beneficial to You?

   Loss
       Contact information
       24 Hour customer service number
       Service department rated #1
   Multiple Policies, One Company
       Best way to qualify for discounts
       Build relationship
   Annual Reviews
       Ensure you have the right coverage for the right time in your life

   Wells Fargo Personal Insurance Call Center
       866-300-3412

     Hours         of operation
         ─   M-F, 5 a.m. -7 p.m.
         ─   Sat, 8 a.m. – 2 p.m.
   Wells Fargo Business Insurance Call Center
       866.860-3030

     Hours         of Operation
         ─   M-F, 5 a.m.- 7 p.m.
         ─   Sat, 8 a.m.- 2 p.m.
Identity Theft
       877-246-0845

     Hours         of Operation
         ─   M-F, 6 a.m. to 7 p.m.
         ─   Sat, 6 a.m. – 2 p.m.



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