O V E R V I E WP R I V A T E C L I E N T S E R V I C E S

N E W Y O R K   |   D A L L A S   |   H O U S T O N   |   L O S A N G E L E S   |   M I A M I   |   P A L M B E A C H   |   P H I L A D E L P H I A

P O R T L A N D   |   S A N F R A N C I S C O   |   W A S H I N G T O N D C

O U R A P P R O A C H

For 80 years and three generations of family ownership, Crystal & Company has been a leading strategic risk advisor for individuals and families with significant wealth and complex lives. We partner with our clients to learn about their passions, financial goals, lifestyle, and concerns to create and maintain a risk management program that fits their evolving needs.

S E R V I C E

From the onset of our relationship, we provide a dedicated team who will review current personal and life insurance policies and help individuals identify areas of vulnerability. Insurance is often oversimplified and many people think that by just purchasing a policy they are fully covered. In reality, a policy may not adequately address a client’s unique exposures or objectives. We educate our clients so they can make informed decisions on all areas of risk that could impact their families and personal balance sheet.

T H E C R Y S T A L D I F F E R E N C E

Technical expertise, market relationships and personalized care are the keys to designing and negotiating effective insurance programs. Understanding how to apply these skills is what distinguishes the professionals at Crystal & Company.

: Our Private Client Services team is solely dedicated to addressing risks and exposures of individuals and families.

: We engage our clients in discussions around the concepts of risk tolerance, reduction, avoidance, and transfer to help us set expectations to help them make informed decisions.

: We leverage our market relationships to provide customized results.

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H E A D Q U A R T E R S 32 Old SlipNew York, NY 10005 8 0 0 . 2 2 1 . 5 8 3 0

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R I S K S A N D C O N C E R N S F O R P R I V A T E C L I E N T S

Assets & Lifestyle

: Owning and maintaining high-end residential property: Collecting fine art, jewelry, and other valuable articles: Chartering or purchasing yachts and aircraft: Protecting the interests of trusts, LLCs, and family limited partnerships: Maintaining appropriate personal liability coverage: Employing full-time or part-time domestic employees: Assuming liability coverage for contractors, service providers, or vendors: Traveling internationally for business or pleasure: Hosting events for personal milestones or charity : Serving on for-profit and nonprofit boards: Engaging in sports or music hobbies

Life Insurance & Estate Planning

: Mitigating estate tax and creating wealth transfer plans: Creating a tax advantaged diversification investment strategy: Caring for aging family members: Building a legacy for family members or philanthropic pursuits: Funding for business succession and transfer

C L A I M S

In the unfortunate event a client does experience a loss, we are here to negotiate and offer creative solutions every step of the way. From filing the claim with the insurance company to meeting with adjustors to finalizing a settlement, we stand by our clients as their advocate through the entire process. Our dedicated claims team is available 24/7.

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Crystal & Company is a leading strategic risk and insurance advisor, addressing clients’ risk management, insurance brokerage, and

employee benefits consulting needs. The firm is comprised of more than 400 professionals, each distinguished by their technical

expertise and industry-specific knowledge, and driven by their passion for client service. Crystal & Company is headquartered in New

York with 10 regional offices throughout the country, placing over $1 billion in premiums annually in the global insurance marketplace.

Established in 1933, the company has sustained its independence through 80 years and three generations of Crystal family ownership

and management.

Crystal & Company is a member of Brokerslink, a global alliance of leading independent insurance brokerages spanning more than

80 countries and 300 cities across the world.

© 2014 Crystal & Company. All Rights Reserved. 7/14