Our Services Page
E-mail: Jay@jaycleminsurance.net


Our Service Philosophy:

1.  To specialize in the area of our expertise.  We have nearly
twenty years of experience providing Income Protection (from
Disability), Asset Protection (from Long Term Care Needs),and         
Medical Protection (Health Needs) to professionals, small business    
groups and individuals.  For services we do not provide, we have
associated ourselves with a few individuals who represent our same    
values and practices.
2.  To not align ourselves with any one provider.  This allows us to
be your advocate and search the market for the best product to meet
your specific need.  In most cases we will offer a spread of options  
to include a number of different products and providers.
3.  To recommend that course of action which we would apply to      
ourselves in the same situation.

Our Services:

We offer the following Group and Individual Services:

1.        Medical, Dental, & Vision Plans
2.        Disability Insurance (Income Protection)
3.        Long Term Care Insurance (Asset Protection)
4.        Life Insurance (Life Style Protection for Loved Ones)
5.        Referral Services:
      -   Retirement Planning
      -   Financial Planing
      -   Home and Auto Insurance


Medical/Dental/Vision Plans:

No one plan will fit all needs.  We work with some ten different companies
to offer upwards of 50 different medical options and a number of different
dental and vision options.  We work with you to find a plan that will meet
you needs in terms of both benefits and cost.  

Our approach consists of working with you for the following:
1)  Cost – There are a number of ways to reduce costs.  These may         
  include changing the plan design, changing the tax structure, shifting
  cost responsibilities, and shopping the lowest current available costs.
2)  Plan Design – We will work with you to design a benefit plan that will
  best fit your needs.
3)  Information – Keeping you informed of new ideas and options as they
  become available.
4)  Employees - Have direct access to our offices for questions regarding
  their medical coverage.  
5)  Plan Maintenance – Once the plan is in place, we are available
   to resolve problems or answer employee questions.
6)  Annual Review – Needs along with available options change.  
  Annually we will go back out into the market to obtain the best
  plan at the most reasonable cost.
7)  Semi-Annual Review – We review self-funded plans twice
  annually.  Since you can modify benefits as needed, we want to
  look at utilization to see where we may be able to make
  adjustments the keep the plan aligned with projections.

I would like additional information on available Plans and Plan costs.
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Disability Insurance (Income Protection):




















(1)        Health Insurance Association of America, 2000
(2)        New York Post, April 3 2000, “There’s No Insuring You Won’t Go Bankrupt”
(3)        Housing and Home Finance Agency of the U.S. Government, 1998
(4)        Business Almanac, 1997

             I would like additional information on Disability Plans.
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Long Term Care Insurance (Asset Protection):

As you plan and build your future, you could find yourself facing long term
care, incurring expenses that can deplete you assets, the lifestyle you enjoy,
and the promises you want to keep.  A Long Term Care Insurance Policy
can help to protect you plans by protecting the security and independence
that makes them possible.

A Long Term Care Insurance Policy offers the following benefit options:

1)  Home Care:  This Option pays for help with everyday activities
  like bathing & dressing.  This coverage may also provide              
  Homemaker Services to provide invaluable assistance with such
  things as doing your laundry, cooking, cleaning, and shopping.  
  These services are designed to allow you to stay in your own home
   as long as possible.
2)  Respite Care:  This provides an alternative care giver to assist
  you, allowing your primary care giver (often a family member) the
  opportunity to take a break and enjoy some well-deserved rest.
3)  Adult Day Care:  This will pay the costs of a program that offers
  social and health-related services during the day in a community
  group setting.
4)  Residential Care Facility:  This is a licensed facility providing
  varying levels and intensities of care and supervision.  This is for
  that disabled individual who, while unable to live alone, does not
  need around the clock care.
5)  Nursing Facility:  This is a licensed Nursing Facility with twenty-
  four hour care.
6)  Non-forfeiture Riders:  These riders vary from guaranteeing
  benefits for premiums paid even if the policy were lapsed, to the
  return of the full amount of premium, to a beneficiary at the time of
  death, without the reduction of benefits received.
7)  Indemnity Rider:  This allows the company to pay the benefits,
  based on the level of care needed, without requiring prepayment
  and reimbursement.

There are a number of other options to allow the designing of coverage that
fits your specific needs.

                            Long Term Care Facts

        I would like additional information about Long Term Care.
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Life Insurance (Life Style Protection for Loved Ones):

The Insurance industry continues to evolve.  Plans that were cutting edge
plans a few years ago may be a dog today.  Some of the reasons are:  1) life
expectancy continues to increase,   2) interest rates change,  3) the need for
life insurance changes or is temporary, 4) regulations change, etc.  Everyone
should have their life insurance needs evaluated regularly.

What we offer includes the following:
1)   Term Insurance with level premiums guaranteed for 5 – 30   
    years.  These are inexpensive plans with no investment return
    if one lives too long.
2)   Term Insurance with refund of premium after a certain
    number of years.
3)   Low Premium Permanent Insurance, guaranteeing a death
    benefit up to or beyond age 100.
4)   Life Insurance with riders to include benefits for Long Term
    Care, etc.

I would like additional information on protecting the Life Style of Those
                                            I Love.
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Disability Facts

During the course of your career, you are three and a half times more likely
to be injured and need disability coverage than you are to die and need life
insurance.

Nearly half of the 1 million American who filed for bankruptcy protection
last year did so after being sidelined by an unexpected illness or injury.

48% of all home foreclosures are the result of disability, while only 3% of all
foreclosures result from death.

Most people have savings to cover less than six months of expenses.

California State Disability will pay for 365 days only for a limited benefit.

Disability Plans we offer include, Principal, Standard Life, Guardian,
Unum, Met Life, and Assurity.  
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Jay Clem
CA Ins. Lic. 0712285
600 W. Shaw Avenue
# 420
Fresno, CA 93704
Phone:(559) 248-9417
Fax:(559) 248-9472
Blue Cross Heath
Care Issues