Caradoc Delaware Mutual is a true mutual, which means that each policyholder actually owns a portion of the company. Each year at our Annual Meeting directors for our Board are elected from amongst the policyholders. The board is responsible for ensuring that the management of the company follows the guidelines and directions that they have laid out for the operation of the company. Since we are service rather than profit oriented, the board may decide to refund a portion of your insurance premium to you at the end of a financial year where we have exceptional results. Over $1 million has been refunded to our policyholders during the past eleven years. We support many community activities including sports, local fairs, H.O.M.M.E., Neighborhood Watch, and Citizens on Patr.
I will work closely with you to fully understand your specific situation and goals. Based on your needs, I'll help you make informed financial choices to build your savings and protect what you save against unexpected events and to prepare financially for the future. Preparing for an appointment: The most important step in providing clear financial solutions is understanding your needs. When we meet, here's the information we'll need for both you and your spouse: Salary or income, investments and insurance amounts, Pension and registered savings information , Assets and debts, Financial information for any business you own.