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Insurance Products For Your Clients The Insurance Marketplace Specializing in excess and surplus lines, The Insurance Marketplace is a great resource for agents when it comes to difficult-to-place clients. Visit them on the web at www.insurancemarketplace.com.
Group Benefits, Ltd./United Professionals Agency Life & Health Products
Diversify Your Business – The Easy Way!
IIAN Members Now Have Preferred-Status Access To Life & Health Products, Marketing Support
For several years, industry experts have been telling P&C agencies to diversify at least 25% of their business into non-property and casualty lines. This is easily said, but hard to do -- until now! IIAN’s Life & Health market partners – United Professionals Agency (UPA) and Group Benefits Ltd. (GBL), -- offer Big “I” members “preferred-status” access to a wide range of life, annuity, and disability products, as well as employee benefits, individual and senior health, and dental insurance. Both companies provide customized marketing support. United Professionals Agency (UPA), a national marketer headquartered in Lincoln, provides IIAN members with preferred-status access to the best life, annuity, and disability products you can offer your customers. United Professionals’ top national contracts, with some of the premier companies in the industry, allow them to provide IIAN members with contracts which may be even better than you currently have. Did you know that if you write just one life case per month with an average premium of $3,000 annually at 80% first-year commission, you would make $2,400 per month? That’s an extra $28,800 per year for just writing one case per month! Here are some more actual cases written through UPA: - Wealth Transfer: 80-year old female for $1,000,000 Universal Life – Annual Premium $66,202, 1st Year Commission $52,962
- Long-Term Protection: 60-year old male for $250,000 Universal Life, Death Benefit Guarantee – Premium $286/Month, 1st Year Commission $3,710
- Cash Accumulation/Long-Term Protection: 45-year old male for $250,000 Indexed Universal Life – Premium $270/Month, 1st Year Commission $2,598
You can do it too, with UPA’s help!
If you have life and annuity quotas which currently need to be satisfied with certain companies, United Professionals can help you produce far more – easily and efficiently. They can help you develop your current book of business, as well as develop new business. United Professionals will come to your office and assist you, or help by telephone. They are also available for joint sales appointments. Call Charles Roberts today to find out how they can help your agency. Visit their web site for detailed information on markets and products: http://www.unitedprofessionalsagency.com/ Charles Roberts 866-488-1121 ceroberts@unitedprofessionalsagency.com Group Benefits Ltd. (GBL)
GBL is your go-to expert for a variety of products: · Individual Health Insurance · Group Health Insurance · Disability · Long-Term Care · Wellness for Employer Groups <www.theotherhealthplan.com> · Click here to visit their website and learn about all of their business lines: http://www.groupbenefitsltd.com/successful-solutions/Default.aspx GBL’s core philosophy is to do the right thing. That’s why they treat their agents to 100% vesting, free marketing support and collateral, and flexible sales structures like their unique Level 2 arrangement. Are You a Good Candidate for Level 2? 1) Do you like to make money? 2) Do you want to make your job easier? 3) Do you want to grow your business? 4) Do you want to spend more time selling and less time completing paperwork? Level 2 is perfect for agents who want to focus on their main business, but still want to offer clients a trustworthy place to go for other insurance needs. Call Chris Haviland at (515) 453-8207 x411 for more information about Level 2 and how it can work for you. Interested in Traditional Sales Structures? GBL also offers traditional sales structures (called Level 1) to agents. Depending on your desired level of involvement, you can choose Level 1 or Level 2 structures on a case-by-case and product-by-product basis. No matter what you choose, you’ll always have access to: · 100% vesting from day one. · Free marketing support and collateral. · Top commissions. · Experienced and reliable back-office support. For revenue estimates and information on Level 1 or Level 2, contact GBL’s Chris Haviland at (515) 453-8207 x411. Join hundreds of independent agents who have given Group Benefits, Ltd. (GBL) the opportunity to prove how easy growing their business can be. Back to top Big "I" Markets Big "I" Markets is the independent agent's gateway to specialized insurance products and services with no access fees, no volume commitments, and no software needed beyond basic Internet access. Click here to visit the website and learn more. Stand-Alone Worker's Comp Omaha-based FirstComp Underwriters Group has partnered with IIAN to provide member agents with additional markets and superior service for monoline workers' compensation risks that can sometimes be tough to write with package carriers. Protect your primary carrier contingencies and supplement your current package products! What can FirstComp do for you? No hassle direct billing Prudent pricing and aggressive risk selection Reinsurance by A++ XV rated GenRe Mono-line focus and expertise Superlative service Knowledgeable, committed and friendly staff Immediate response and quick turnaround for qualifying risks Flexible and hassle-free individual risk underwriting within program classes Prompt policy issuance and delivery management Payment options to fit every insured's budget Simple, easy-to-use forms Stable, consistent, quality coverage
For more information, call Steve Linbo at 402-926-0099 or visit www.firstcomp.com.
Send your apps into APS today -- fax to 888-500-1236.
Specialty Markets IIAN and IIABA endorse RLI's Stand Alone Personal Umbrella and In-Home Business programs.
RLI Stand-Alone Personal Umbrella
The RLI Personal Umbrella Policy (PUP) is an unsupported umbrella policy written in the standard market. It does not require that underlying policies be underwritten by RLI. The RLI PUP will cover operation of most motor vehicles and small watercraft, incidents involving any property covered by the basic homeowners policy, and incidents alleging slander, libel, defamation of character, invasions of privacy, and false arrest.
Features: - $1 million, $2 million, $3 million and $5 million limits available
- Three rating tiers: Preferred, Standard, and Standard II
- Underlying policies can be written through different companies
- No volume requirements
- Simple self-underwriting application
- Reduced minimum underlying limits available for risks that do not have any youthful (under age 22) drivers in the household.
- Provides coverage worldwide
To write RLI business, your agency must be appointed by RLI Insurance and mainatain a minimum E&O limit of $1 million. To obtain a complete packet, contact IIAN at 800-377-3985 and ask for Brenda.
Click here for more information from on RLI's Personal Umbrella Policy and In-home Business Policy from the IIABA Website.
Download PUP application here.
Download rate sheet here.
All new umbrella submissions must be mailed with gross premium check payable to NASC at
8231-B Northwoods Drive
Lincoln, NE 68505
For questions contact:
Brenda Kaiser
1-800-377-3985 or 1-402-476-2951
IIAN members may also process applications online at www.bigimarkets.com. RLI In-Home Business Policy
The RLI In-Home Business Policy (IBP) is a stand-alone policy developed for people who operate businesses from their homes. The IBP offers more coverage than standard homeowners endorsements for a much lower price than a traditional BOP (as low as $150) and over 100 classes of businesses can be covered. Medical payments and business interruption protection are two key fringe benefits to this niche product as well as the optional coverages available.
Because very few companies provide coverage for an in-home business on a stand-alone basis, the RLI IBP gives agents the flexibility to offer much needed business protection to in-home entrepreneurs regardless of homeowner policy carrier.
Features: - Up to $1 million business liability protection
- Up to $5,000 per person for medical payments to customers and vendors injured on premises
- Business interruption coverage included automatically
- $250 deductible
- Comprehensive coverage for business personal property, with theft coverage included. Business personal property coverage with a $5,000 limit is automatic for both on-premises and while the property is temporarily off-premises.
- Optional coverages are available for: money & securities, electronic data processing equipment, additional insureds, and business personal property in excess of $5,000 (identical limits for on-premises and off-premises provided)
- No volume requirements
To write RLI business, your agency must have a sub-agent number, be appointed by RLI Insurance, and maintain a minimum E&O limit of $1 million. Contact the IIAN office at 800-377-3985 to obtain a complete packet.
Click here for more information from on RLI's Personal Umbrella Policy and In-home Business Policy from the IIABA Website.
A&M Excess & Umbrella Program
The A&M Personal Excess Program (PEP) is a stand-alone policy written in the standard market. It does not require that the underlying policies be underwritten by A&M. This personal umbrella may be written over automobile, personal liability, watercraft, recreational vehicles, and underlying umbrellas at a very reasonable price. Also the A&M PEP can be written to cover apartment buildings, vacant land, and farm land.
Features:
Flexible Rating Structure Allows for Difficult Exposures Back to top Philadelphia Insurance Directors & Officers Liability for Non-Profit Organizations Through the state Big "I" Association, IIAN members have the opportunity to offer Directors & Officers ( D&O) coverage for non-profit organizations with no minimum production requirements. Philadelpia Insurance -- rated A+ by AM Best -- underwrites this comprehensive D&O coverage.
Philadelphia Insurance's Flexi Plus Five Program Features: - Defense costs in addition to the limit
- Toll-free loss assistance hotline
- Personal and publishing/advertising liability coverage
- World-wide coverage
- Optional Employment Practices Liability
- Optional Fiduciary Liability
- Optional Workplace Violence Liability
- Optional Internet Liability
To obtain a complete packet and/or marketing brochures, please contact Brenda Kaiser the IIAN office in Lincoln. Selective Insurance Company: National Flood Insurance Program To help protect customers from losses resulting from a natural flood, Big "I" members now have access to Selective Insurance Company's highly acclaimed flood insurance program. IIABA endorsed Selective Insurance Company's National Flood Insurance Program (NFIP) Write Your Own (WYO) flood program and has negotiated a very competitive program for member agents who produce both large and small volumes of flood insurance with commissions available up to 20.5%. Selective is a longtime supporter of IIABA and its member agents. The company has maintained an A.M. Best rating of A+ for 43 years consecutively and has participated in the NFIP WYO program since 1984. Company Highlights 59th largest property-casualty company in the US $844 million total written premium, $45 million in flood written premium 76 percent commercial lines Experienced customer service, underwriting, & claim professionals dedicated to the flood program and IIABA members.
Service/Support Free rating software Online processing inquiry Free flood-zone determinations Excess Flood coverage State-of-the-art processing system ensuring quick & seamless processing
A 30-day waiting period is required before flood insurance coverage can take effect. Be prepared to write coverage immediately. Call IIABA at 800-221-7917 and ask for Linda Mackey or log on to www.independentagent.com/flood today! Back to top. Agency Markets Guide - Associate Members Having trouble placing a client? Our Agency Markets Guide lists IIAN Associate members, marketing reps, products, and special agency characteristics to give you a hand in finding what you and your clients need. IIAN Members please use the "Member Login" button in the upper-left corner of the page to access the agency markets guide. If you've lost your password, you may retrieve it here, or e-mail IIAN's webmaster (webmaster@biginebraska.org) for further assistance. If you're not a member but interested in joining, you can read more about it here or call the IIAN office at 800-377-3985.
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