Security policy

Can anyone please point me in the right direction.
I need to write some security policies, but I'm not sure where to begin.
I know there are alot of examples and templates out there, but what do
I include in the policy.
I see seperated policies for e-mail, password, remote access,
acceptable use, etc...but I was also told that it is better to try to
make all of those fit into one so that we don't have to keep track of
10 different policies.  The question is, which one do I include in one
big security policy and which ones to I make them seperate?

thank you.

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