If you offer financial services and are a bit stuck when it comes to design, it may be worth trying to find some insurance website templates. The beauty of this is that these are already pre made so all you have to do is insert your content and make some minot tweaks.

Generally, most of these templates come with images and graphics which can be imported into packages such as PhotoShop which can be manipulated. There are often times when you need to make slight adjustments so its great when you can.

In addition, the HTML files are obviously packaged as part of the free download. CSS files are also included so you can change the look and feel of the site by changing only a few variables as opposed to each page.