Patrick & Associates
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At Personal Service Marketing we value our relationships with our clients, and we respect their privacy. We only collect personal information that you voluntarily provide. Personal Service Marketing does not sell any information about you to others. The only time information is given out is to our insurance carriers. Personal Service Marketing is located at 128 W. Lake Street, Unit 2, Bloomingdale, Illinois.

Licensed insurance agency/ agents for life insurance, health insurance, disability insurance and retirement planning. The information within this website is strictly for our visitor's education. The information is provided by Patrick & Associates, and we make every attempt to keep the information current. We make no guarantees as to any insurance carrier's coverage and products described herein.

Any reliance placed on their products and services is strictly at your own risk. Any external links are not controlled by Personal Service Marketing. Personal Service Marketing is not liable for any information on these links.
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The information within this website is strictly for our visitor's education.
The information is provided by Personal Service Marketing, and we make every attempt to keep the information current.
We make no guarantees as to any insurance carrier's coverage and products described herein.
Any reliance placed on their products and services is strictly at your own risk.
Any external links are not controlled by Personal Service Marketing.
Personal Service Marketing is not liable for any information on these links.
A good benefits program is essential for attracting new employees and retaining current ones.
Surveys show that three in four workers consider benefits a decisive factor in weighing new job opportunities.
Benefits like health or disability insurance and retirement plans are very desirable to employees, but they can also be very costly to employers.
That's why almost all employers share the costs with their employees.
There are also voluntary benefit programs that allow employees to purchase or increase their benefits themselves, often through automatic payroll deduction.
Check your total points below.
Read across to see your estimated chance of becoming disabled and unable to work for three months or longer before the age of 65.
Find your age, then read across to see the estimated length of time your disability may last.
1. Visit www.
WhatsMyPDQ.org for an interactive version of the PDQ and to estimate the financial impact of a disability.
2. Seek planning advice from our advisers or your human resource professional.
About the Personal Disability Quotient (PDQ).
A.M. Best Company is a global full-service credit rating agency dedicated to serving the financial and health-care service industries.
It began assigning credit ratings in 1906, making it the first of today's rating agencies to use symbols to differentiate the relative credit worthiness of companies.
First HSA provides the most comprehensive product in the market.
Most HSA administrators provide an interest bearing FDIC insured accounts with tax reporting and customer service.
Some provide investment options.
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