International Insurance Agency Services, LLC

Any multiple employer groups & PEO's.
Quoted as an exception if cases look clean with good history: mining companies, non-profit businesses, and unions.

No groups from HMO's.
For groups with less than 100 employees (150 for ReLight quotes) and no experience; we can offer Specific and Aggregate quotes assuming all eligible employees complete individual health statements. On the basis of the health statements, we may require additional medical information, place lasers, or adjust the initial aggregate factors quoted.

Available for all groups: 15/12, 12/12 and 12/15.
Also available for groups renewing with the incumbent TPA: 24/12, 18/12 and 12/18.
An employer must sign a statement regarding extra liability when accepting a 12/12 contract basis on an existing group.

RX card coverage is available upon request at time of quote under the Specific.

RX card coverage is available upon request under the Aggregate when Aggregate RX experience is provided.

Aggregating Specific is available depending on case and circumstances.
Specific Advance is available when requested.
Aggregate Accommodation is available for smaller groups. Rate is $1.50 per employee per month and is non-commissionable.
Rates

Offer 2-tier, 3-tier, or 4-tier rates, but prefer to use 2-tier rates; single & family.

Depending on circumstances, we can offer different rates for plans or locations.

On an exception and depending on circumstances, we can quote contract less than 12 months.

Medical Conversion is not available.
Maximum TPA Commissions: 15%
Maximum Percentage of Retirees: 15%. For groups with a greater percentage, an exception would be required.
Groups OTHER than single employers may not be quoted.
Policy Limitations: Review the insurance company policy form for any limitations. (Available on request.)

Premium, application and disclosure can be submitted within 20 business days of the effective date.
Coverage is not bound until all of the underwriting requirements have been received, approved by our office, and in case of rate changes or lasers accepted in writing by the employer.
Specific rates can be finalized based on 11 months of claims data; however, on-going claims situations are subject to laser.
If the TPA is incumbent on the case, aggregate rates can be finalized based on an 11 month current year aggregate report.
If the TPA is not the incumbent on the case, aggregate rates can be finalized based on a 12 month current year aggregate report.
We make our best effort not to change quoted rates and factors.

Excess Loss Reinsurance Products