RISK MANAGEMENT

A Window to Financial Protection

Olde Economie Risk Management, Inc. offers a window to protecting and preserving your wealth now and in the future. Through a variety of insurance products and a network of experienced professionals, we custom-assemble the right tools to help you protect yourself from financially devastating occurrences.

As a wholly owned subsidiary of Olde Economie Financial Group, Olde Economie Risk Management offers a comprehensive family of products and services to help you manage your specific financial risks.

Our Business Services

Mid-sized, small and family-owned businesses have their own unique sets of risk management needs. Olde Economie Risk Management understands those needs and offers insurance services that meet current obligations and anticipate those of the future.

These life insurance plans provide businesses with cash needed to:

• Keep the business running;
• guarantee safety of loans to creditors;
• assure customers the business will continue operations; and
• cover the expenses of finding and training new personnel.

• Business Continuation
  One of the most important types of insurance for business owners and partners is insurance that guarantees the company will be able to keep running in the event of a partner's death. Olde Economie Risk Management provides buy-sell and other business continuation insurance.

• Businss Overhead Expense
  Business overhead expense insurance provides security that expenses associated with running a business can continue to be met if one of the partners dies.

• Business-Owner, Key-Executive Protection and Consumption
  Most business owners insure the company against the loss of property values through fire or theft; yet, surprisingly, many businesses are not insured against the loss of key people. Physical assets can be repaired or replaced -- a key executive's death can have far more permanent effects on the business.

• Split Dollar, Reverse-Split Dollar and Shared Ownership
  These forms of insurance provide financial incentives to valued employees by allowing you to pay part of an employee's insurance premiums. Additional tax benefits can be gained both by you and the employee with these plans.

• Non-Qualified Retirement Plans
  Non-qualified fringe benefit retirement plans help business owners attract, retain and reward top talent while avoiding the red tape of qualified plans. Your company can offer different levels of benefits packages to employees, maximizing the efficiency of your tax deductions and recovering compensation deferred during start-up years.

• Third-Party Administration (TPA) Programs
  Through our network of experienced professionals, we can provide an independent agent to administer your company's 401(k), Section 125 or other benefits compensation programs, which are funded by employees with their pre-tax dollars.

Health Insurance Plans

One of the areas in which both businesses and individuals may find themselves vulnerable is in health insurance. Employers who want to provide coverage; groups that want to sponsor coverage; individuals who are not covered by their spouse's plan; uninsured retired people; and those who are not eligible for Medicare all are at risk in the event of serious illness or injury.

Olde Economie Risk Management offers a wide variety of health insurance plans which incorporate one or all of the following coverage options.

• Major Medical
  pays for surgical and physician care and prescription medications after you or your enrolled dependents meet a specified individual or family deductible.

• Health Maintenance Organizations (HMO)/Preferred Provider Organizations (PPO)
  are managed health care packages which allow subscribers to choose their doctors from within a specified network of primary care physicians (PCPs). Patients usually have a specified co-payment amount for each doctor visit, and must receive referrals from their PCPs to see specialists.

• Accident Protection Coverage
  provides first-dollar coverage for emergency care in the event of an accident.

• Short-term and student Coverage provides immediate short-term major medical coverage to "plug the hole" created while separated from employment, changing jobs, at school, leaving school or in similar circumstances.

• Disabillity Income
  replaces income when a policy-holder suffers a partial or complete disability. Policies can cover temporary as well as long-term disabilities and can even help provide retraining benefits in cases where the disability prevents a return to the former occupation.

• Long-term Care Coverage
  provides benefits for individuals who require nursing home, home health or specialized care to perform the activities of daily living.

Personal Insurance Plans

Nobody really enjoys planning for their own death, but protecting your family and business from loss in the future means buying adequate life insurance now. Olde Economie Risk Management offers many different types of insurance combined to create the right plan for your needs and circumstances:

• Universal, Variable and Whole Life
  These permanent, interest-sensitive, whole or investment-based life insurance products allow the policyholder flexibility in designing premium payment plans.

• Term Life
  Term life insurance provides protection for a specified and finite period of time -- usually one, five, ten or twenty years, or up to age 65. A term insurance policy pays a benefit only if you die during the period covered by the policy.

• Mortgage Protection
  Mortgage protection insurance actually is a life insurance policy in the amount of the mortgage. This type of policy pays the mortgage if the policy holder dies, allowing the surviving spouse and/or family members to keep their home. Mortgage protection policies can be custom-designed to decrease as the mortgage decreases or the accumulated value can be used to pay off the mortgage early. The policy can even cover both owners jointly, paying benefits on the first death.

• Income Continuation
  Income continuation insurance is a unique policy that pays the death proceeds as a guaranteed monthly income benefit. This type of insurance eliminates the survivor's stress of managing one large lumo sum death benefit payment.

• Fixed and Variable Annuity Products
  Annuities are usually used as retirement savings vehicles. Unlike investments such as certificates of deposit, taxes on the interest earned by the annuity holder are deferred until the money is disbursed.

Estate Planning Services

You'll spend the greater part of your lifetime working to build your assets. If you don't want Uncle Sam to become an unintended heir to your estate, you need to plan carefully for passing your wealth to future generations.

Our risk management professionals can set up plans, policies and trusts to meet your individual estate planning needs. Working with our sister company, Olde Economie Financial Consultants, we can help with:

• Second -to-Die Insurance
• First-to-Die Insurance
• Irrevocable Trusts
• Rollover, A/B Trusts
• Family Limited Partnerships

Other Value-Added Services

As part of our comprehensive approach, we provide a variety of additional services to our active clients on a one-time or consulting fee basis. Through our network of experienced professionals, we offer:

• Tax Planning and Preparation
• Notary Public
• Signature Guarantees
• Accounting
• Business Operations and Financial Consulting

Our Views

Like many full-service financial firms, Olde Economie Financial Group provides investment, insurance, tax consulting and financial planning services to individuals and businesses. What sets us apart is our dedication to excellence -- both in the services we provide and our performance of those services.

Our relationships with our clients are built on confidentiality, honesty, integrity and hard work. We feel success and profits must never come at the expense of our ideals and values.

A Window of Opportunity

If you're ready to look out on a future of protection for yourself, your family and your business, give us an opportunity to show you what we can do. We think you'll like the view from our window.

511 State Street Baden, PA 15005-1738 Phone: 724 - 869-7526 Fax: 724 - 869-3794 Toll Free: 800 - 727-6332