JZA, Inc.: purpose before product; we put clients first.

In today's economy, many organizations must make their funds stretch farther than ever before. At JZA, Inc., we have the experience to help nonprofit organizations and associations save money during difficult economic times, without sacrificing service or coverage. As your broker, our responsibility is to find the right insurance, retirement, or benefits solution for you. Your needs come first.

As insurance professionals, we take time to listen so we can provide alternatives regarding both cost and coverage decisions--not just during difficult times but at all times. Right now, faced with shrinking budgets and smaller staffs, organizations need options and help to understand the alternatives. At JZA, we have no preconceived notions and no prepackaged solutions. We'll do what's best for you. We think that's what distinguishes us from all other insurance brokers.

Recent reports show that the cost for health coverage is rising 15-25 percent. How can your organization cope with this level of increase? The answer depends on your circumstances. We'll examine every aspect of your health insurance plan: type of plan, benefits, deductibles, add-ons, cost sharing options. Whatever the answer is for your organization, JZA, Inc., will help you find it and put together a package that meets your requirements. And we'll help explain it to your staff.

Property and casualty insurance rates are also on the rise. While cost may be an overriding concern, the solution is almost never to purchase a shelf product based strictly on price. We take time to learn your business and can help tailor a policy for the level of coverage you need, within your budget.

Since insurance is only as good as claim payment, you want a broker who will fight for you when the insurance company says no. We'll be happy to tell you about our success in helping associations through the claims process.

Of course, retirement planning is also changing. The Economic Growth and Tax Reconciliation Act passed last year brought some of the most comprehensive and sweeping changes to retirement planning in more than a decade. The fluctuating stock market makes this a challenging time for retirement investing. We can help you and your staff adapt to this new landscape and develop a strategy for retirement investing that makes sense in today's market. We have the expertise to assist with all types of retirement planning needs, especially executive deferred-compensation plans. Thanks to our partnership with Fidelity Investments, we can offer special 401(k), defined contribution, and defined benefit plans, depending on your unique situation. We also have outstanding employee educational materials and planning tools, including interactive Web-based activities.

For more than 50 years, our business has been to help associations and nonprofit organizations find solutions to tough insurance and benefit problems. Our president, P. Allen Haney, has been recognized by ASAE for outstanding professionalism and commitment to service excellence. In the summer of 2002, he was the first financial services executive to be honored with the ASAE All Star Award. In 1992 he was named an ASAE Fellow, and in 1989 he received the ASAE Distinguished Contributions Award.

Our commitment to excellence is reflected in everything we do for you, your organization, and your employees. "Purpose Before Product" describes our commitment to put your needs foremost in responding to your insurance, benefits, and retirement issues. At JZA, we put clients first.

CONTACT

P. Allen Haney, CLU, CPCU, ChFC

JZA, Inc.

5272 River Road, Suite 700

Bethesda, MD 20816

Phone: [phone] or 301-664-9464 (D.C. metro)

Web site: www.jzainc.com