Insurance Agency   
Commercial, Personal, 
Bonds & Surety. 

C.L. Frates and Company offers programs of Life, Accident, Health, and Special Risk for individuals and businesses of any size.

	Life Insurance Term Whole Life Universal Life Health Insurance Individual Group Self Funded group Health Savings Accounts (HSA)
Disability Insurance Individual Group	Accidental Death & Dismemberment Association Benefit Plans

Business Overhead Expense

Flex Spending Programs

Special Insurance Plans

• Short-term / Temporary Major Medical
• International Major Medical

Because we are independent agents we have available a wide variety of products from over one hundred insurance companies. Our expert knowledge in the area of employee benefits can provide the best and most cost effective plans for you and your business. Please call upon us to discuss any personal or business need you may have.

Some of the companies we have available to us are as follows:

• Principal Life Insurance Co.
• Blue Cross Blue Shield
• Aetna
• Coventry
• Humana
• Hartford
• Delta Dental
• Lincoln National Life

• UNUM
• AIG
• ING
• Guardian/Berkshire
• Reliance Standard
• American United Life (AUL)
• Time Insurance Company
• US Financial

 C.L. Frates and Company - Life, Accident and Health Account Representatives

Information request form:

If you are interested in any of our products, please fill out the short form below and click the submit button, we will contact you.