Personal Lines
Professional advice and competitive rates are the hallmarks of our personal lines department. Valentine Insurance has always been considered an innovator among industry associates when it comes to personal lines commitment and policyholder service. We are continuously seeking out the most competitive companies in the business while demanding financial strength and excellent claim service.

Customer service duties are handled by licensed, professional agents with a state-of-the-art computer system for support. Our service agents are continually monitoring your special needs as well as the price competitiveness of your policy. The information system allows for immediate comparative pricing of your insurance among ten different preferred-risk companies and policy renewals are compared on a regular basis.

In addition to representing preferred plans to our customers, we also represent several high-risk and line insurance companies. Our products include but are not limited to:

• Preferred- and high-risk automobile insurance—all drivers, all ages
• All forms of homeowners insurance, including auto/home combinations
• Personal umbrella policies up to $5,000,000
• Motorcycles, including Harley-Davidsons and performance bikes
• Recreational vehicles, motor homes, trailers, ATVs, and WaveRunner-type watercraft
• Watercraft—family Runabouts to off-shore yachts

It is the professional commitment to our customer that has earned Valentine Insurance several awards over the years and placed our staff upon numerous insurance company advisory boards, pricing committees, and product review panels. Let us show you the Valentine Insurance difference for all your personal insurance needs.

Commercial Lines
Valentine Insurance has long been considered the authoritative expert for commercial insurance within the Fox Valley area and we strive harder every day to maintain that reputation. The backbone of this department lies with the exceptional talents of our customer service agents. These licensed professionals have completed several commercial underwriting training programs and amassed years of experience on the front line, fighting to keep the insurance costs as low as possible for our customers. The ability to recognize needs and evaluate coverage has put Valentine Insurance on top in production with several insurance companies. Swift quote turnaround and competitive pricing has helped keep Valentine Insurance on top with all of our customers. Expansive computer networking allows for immediate pricing capability, up to the minute accounting detail and instant claim submission. All are factors contributing to the most effective and efficient commercial insurance center in Northern Illinois.

Valentine Insurance has ten companies for comparative pricing of commercial accounts, along with several wholesale brokerage contacts to cover the more unusual risks. Our professional agents specialize in customizing plans that are specifically suited to the customer's need. The packaging of accounts translates into expanded benefits at discounted premiums.

In addition to price control, our companies are active experts on loss-control engineering and the rehabilitation of injured workers. Valentine Insurance takes aggressive measures to assist your company in loss prevention through regular monitoring systems and status reports.

Take advantage of our commercial  department expertise and consult with one of our agents at no obligation.

Life & Health
With a separate department devoted solely to Life and Health Insurance, Valentine Insurance is able to service both individual and commercial needs. All producers and support staff are fully licensed professionals with more than fifty cumulative years of experience. We go the extra mile for our customers by taking an active involvement with claims, COBRA management, Section 125 POP plans and the installation of self-funding administration. Our ability to scour the market for competitive products specific to your needs differentiates Valentine Insurance from its competitors. As always, financial strength and quality of service are foremost factors in selecting the companies and products to offer our customers. Several of our areas of expertise are listed below.

• Disability Income Insurance
• Life Insurance, including low-cost term product and Return of Premium term
       Permanent plans through A+ carriers
       Key-man and buy-sell funding with administrative consulting
       Second-to-die plans for estate preservation and tax planning
• Health Insurance, both individual and group plans from PPOs to HSAs and HRAs
• Self-funded and partially self=funded group plans
• Section 125 POP Plans
• Dental Insurance, both individual an group plans
• Medicare supplement policies, including Medicare Prescription Drug Plans
• Long Term Care Insurance—not just nursing home insurance
• Deferred compensation plans for business owners and key employees

Try the Life & Health Department for a no-obligation comparison of benefits. Our courteous and professional staff prides itself in solving problems for customers and maximizing and employer's benefit dollar.

Benefits & Financial Services
Speak to Brian Lakner, ChFC, our in-house financial planning specialist, for your personal and commercial needs.