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IPMG's Employee Benefits Insurance Services division is a full-service third-party administrator (TPA) specializing in self-funded employee benefits plans. Our mission is simple: to deliver cost-effective solutions that protect your client’s bottom line without compromising the quality of care or service. As an agent or broker working with self-funded employers, you know how critical it is to partner with a TPA that brings real value. At IPMG, we combine deep industry knowledge, in-house expertise, and innovative cost containment strategies to help you deliver measurable results to your clients. Our focus is not only on managing claims efficiently but also on maintaining high participant satisfaction throughout the process. Ideal Accounts and Appetite We work with agents and brokers who serve mid-sized to large employers looking to self-fund their group health and ancillary benefits. Ideal accounts include companies seeking greater control over plan design and cost savings through strategic claims management and proactive health services. Examples of strong-fit clients include: A manufacturing firm in Illinois with 150 employees interested in reducing rising group health insurance premiums through a self-funded model. A multi-location Missouri-based employer seeking a TPA with in-house nurse case management and COBRA administration. Coverage Highlights and Advantages IPMG’s Employee Benefits Insurance Services division delivers comprehensive administrative solutions, including: Medical and Dental Claims Administration Vision Claims Administration Excess/Stop Loss Insurance Placement COBRA Administration Utilization Review and Nurse Case Management Cafeteria 125 Flex Plans Health Management Services Customized reporting and analytics Our integrated approach ensures that every claim is handled with a focus on cost containment and participant satisfaction. We bring clarity to complex benefit structures and help employers manage risk more effectively. Underwriting Notes and Minimum Premiums Our solutions are tailored to fit the unique needs of self-funded employers. While minimum premium requirements may vary based on the size and complexity of the group, we offer flexible plan designs and administrative models. Contact us to discuss specific account opportunities and underwriting considerations. Territories and Availability This program is currently available in Illinois and Missouri. We are actively supporting agents and brokers in these states with dedicated regional expertise and responsive service. Why Work With IPMG? As a trusted Program Administrator, IPMG brings more than just administrative services—we deliver strategic partnership. Our experienced in-house team supports your efforts with: Proven cost containment strategies Efficient claims processing and reporting Comprehensive suite of employee benefits services Personalized support for agents and their clients Whether you're working with a client transitioning to self-funding or looking to enhance their current TPA services, IPMG is ready to help you deliver results. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for mid-sized to large employers in Illinois and Missouri who are interested in self-funded employee benefits solutions. What services are included in the employee benefits program?Services include medical, dental, and vision claims administration, stop-loss placement, COBRA administration, utilization review, nurse case management, and more. Can IPMG help place stop-loss coverage?Yes, IPMG provides excess/stop-loss insurance placement as part of our comprehensive TPA services. Is there a minimum group size to qualify?Minimum group size requirements can vary depending on plan design and underwriting considerations. Contact us to discuss specific cases. Which states is this program available in?This program is currently available in Illinois and Missouri. Need help placing an account? Connect with a market specialist.

Long Term Care Insurance Funding Opportunities Under the Pension Protection Act of 2006 The Pension Protecton Act of 2006 contained provisions that became effective on January 1, 2010 that offers significant tax benefits when funding for Long Term Care meeds. In summary, the provisions included the following: Long Term Care insurance offered as a rider on a linked benefit annuity contract can be tax-qualified. Internal charges to pay the qualified long term care insurance rider added to a life insurance policy or annuity contract are not treated as taxable distributions. Life insurance policies and non-qualified annuities can be exchanged tax free (under Section 1035) to pay premiums for traditional long term care insurance policies

Aegis provides cost containment health insurance benefits and claims administration for all types of clients........Associations, Unions and employer groups, as well as individuals and everything in between. Services offered include discount benefit plans, mini-med health plans, self insured fund administration, stop loss, reinsurance and fully insured major medical plans. We specialize in offering options to self-insured Plans, individuals, and an array of other outsourcing services to self-insured companies in the Unites States. These services include custom health plan designs and implementation, claims payment and management, network access, indemnity plans and stop loss. Self insured options Fully insured plans Guaranteed and simplified issue Mini-Meds Pharmacy Dental Vision Consumer Driven Healthcare Plans HSA’s FSA’s MRP’s Wellness And many more benefits!

Our Employer Solutions division offers dependent and claims audit services to organizations of any size. We specialize in healthcare cost containment and prove our expertise and flexibility with every client. With a quarter-century of practical experience under our belt, HMS has a host of services available to help government-funded programs and commercial programs uncover healthcare benefits available to their beneficiaries so that these programs can coordinate benefits properly and recover claims that were paid erroneously. HMS’s COB-related services include the following: •Other coverage identification and recovery •Cost avoidance •Case management and systems •Child support •Military services

Aegis provides cost containment health insurance benefits and claims administration for all types of clients........Associations, Unions and employer groups, as well as individuals and everything in between. Services offered include discount benefit plans, mini-med health plans, self insured fund administration, stop loss, reinsurance and fully insured major medical plans. We specialize in offering options to self-insured Plans, individuals, and an array of other outsourcing services to self-insured companies in the Unites States. These services include custom health plan designs and implementation, claims payment and management, network access, indemnity plans and stop loss. Self insured options Fully insured plans Guaranteed and simplified issue Mini-Meds Pharmacy Dental Vision Consumer Driven Healthcare Plans HSA’s FSA’s MRP’s Wellness And many more benefits!

The Mercury Healthcare Companies Expatriate Benefit Parity - The Challenge International Private Medical Insurance (IPMI) Cost Containment Is a Must Have for Expatriate Employers The cost of medical treatment is rising all around the world and with real pressure on public finances, access to publically funded healthcare for expats – which always was limited. Expatriates look to employers to provide international private medical insurance (IPMI) with benefit parity to their colleagues back home or face the real possibility of being unable to access private healthcare when they most need it. Expatriates need confidence, transparency, good value and service from an independent source they can rely upon when moving country or location. Mercury Healthcare's producers are independent international medical, health and expat insurance brokers and agencies that provide the right level of cover tailored to the need of each customer. For many expats, it is crucial to have access to vetted and inspected hospitals, physicians and other medical and dental providers. We have the solution to help any employer with expatriates identify the plan which is right for their circumstances and their employee bnefits budget. Instead of a pastiche of spliced benefits management providers and ASOs, you'll be able to reintegrate your entire workforce and manage it under your SPD with one of our TPA partners. Our network is available to employees of any employer, any nationality, anywhere, living or working in any country.

Pet Protection PAK works with responsible dog owners across the country to secure dog bite and dog liability insurance when a homeowner's policy excludes coverage for certain breeds or otherwise leaves a gap. Overview of the Program From Personal Care & Assisted Living Insurance Center Pet Protection PAK is a specialty program offered through Personal Care & Assisted Living Insurance Center that helps agents place dog bite and dog liability exposures that may be declined or excluded by standard homeowners or renters policies. As a managing general agency, we access multiple admitted and non-admitted carriers (Various) to provide flexible, breed-aware liability solutions for insureds nationwide. What this program does for your clients Provides a standalone dog liability policy for homeowners or renters when their primary carrier excludes certain breeds or limits animal liability. Fills coverage gaps quickly so insureds remain protected for dog bite and related third-party liability claims. Offers competitive placements across most states through admitted and non-admitted markets. Ideal Accounts and Appetite Pet Protection PAK is best suited for individual dog owners and households that need a limited, focused policy for dog liability. Typical fits include: Owners of breeds often restricted by standard homeowners markets. Renters or condominium owners whose HOA or lease requires proof of dog liability insurance. Clients with prior non-claim incidents or minor animal-related exposures that make placement in the standard market challenging. Not typically a fit: commercial kennels, breeders, dog trainers, dog walkers, or accounts where animal-related incidents are frequent or involved in commercial activity. Those exposures generally require a specialized commercial policy. Coverage Highlights and Advantages Standalone dog bite/dog liability coverage designed to complement or replace excluded coverage from homeowners/renters policies. Flexible limits available through multiple carriers to match client needs. Quick turnaround from underwriting for standard residential accounts. Available in Most Available States, with a broad territorial footprint (see Territories below). Underwriting Notes and Minimum Premiums Underwriting is breed-aware and focuses on household risk factors such as prior incidents, number of dogs, containment, and veterinary history. Minimum premium and final pricing vary by carrier, state, and risk characteristics—minimum premium: Varies. Provide full dog and household information to get an accurate indication. Territories and Availability The program is available in the following jurisdictions: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, DC. Positioning may vary by carrier and state—confirm availability at submission. Why Work With Personal Care & Assisted Living Insurance Center Specialty focus as an MGA gives you access to multiple carriers and flexible placements for animal liability exposures. Responsive underwriting geared to residential dog liability — fast quotes and practical placement decisions. Agent-focused service: we help you determine fit quickly so you can deliver timely solutions to your clients. Example scenarios You have a homeowner whose insurer excludes coverage for their dog’s breed; Pet Protection PAK can provide a standalone dog liability policy to satisfy mortgage or HOA requirements. A renter is required by a landlord to show dog liability coverage; you can secure an affordable, focused policy without re-writing the primary renters policy. Frequently Asked Questions What types of accounts are a good fit for Pet Protection PAK?Good fits are individual dog owners and households needing standalone dog bite or dog liability coverage because their homeowners or renters carrier excludes certain breeds or limits animal liability. Commercial animal operations are not a fit. Is the program admitted or non-admitted in my state?We place with multiple carriers across admitted and non-admitted markets. Availability and admitted status vary by state and carrier; confirm at submission. The program is listed as Most Available States. What information is required to start a submission?Provide applicant name, property address, dog breed(s) and age, prior animal incidents or claims history, and any containment or training details. Additional carrier-specific questions may follow. How are premiums and minimums handled?Minimum premium varies by carrier, state, and risk. We provide indications once underwriting details are submitted; do not quote premium until you receive an indication from our underwriters. Need help placing an account? Connect with a market specialist.

Group Dental Plan (D-4) APL’s D-4 Group Dental Insurance may be the perfect answer to your group’s dental health needs. D-4 offers a Scheduled Benefit Plan, which means that each of the over 200 covered dental procedures is listed with a corresponding dollar benefit amount. Each covered procedure is listed by ADA Code, which is the code that dentists use to bill. Depending on which plan you select, APL reimburses for the listed benefit amount. There is no guessing! You know exactly how much the D-4 Scheduled Dental Plan will pay. D-4 Dental is only available for sale through the convenience of payroll deduction. Highlights(Policy Form D-4 Series): Guaranteed issue (enrollment requirements apply) Choice of Dentist Competitive rates No deductible on preventive expenses No waiting period for preventive, diagnostic, and basic restorative expenses Two plan designs available Contact APL for more information on this product The information contained on this product page generally highlights the important features of the particular product listed and does not constitute a statement of contract, nor a complete description of the conditions, benefits, limitations, exclusions and other terms of coverage. The product listed and/or all benefits may not be available in all states and coverage is subject to all applicable policy provisions as authorized by the proper state regulatory authorities. For more complete information, please consult the terms.

Limited Benefit Group Cancer Indemnity Insurance Today, it’s rare to find an American who doesn’t have a friend, coworker, neighbor, or family member touched by cancer. Fortunately, the cancer survival rate is increasing, according to the American Cancer Society1. However, the treatment of cancer often involves ongoing medical treatment, surgery, hospitalization, and radiation or chemotherapy – and the expenses can be staggering. Even the best major medical insurance doesn’t cover all of the expenses related to the treatment of cancer, often leaving individuals and families with unexpected financial woes. That’s why APL offers a group limited benefit cancer indemnity plan that can help to pay for some of the expenses due to treatment of cancer. And because early detection is so important in the treatment of cancer, our group plans also provide an optional diagnostic testing rider to help with the cost of routine cancer screening tests. Highlights (Policy Form GC-3 Series): Indemnity benefits Group rates, available through payroll deduction (minimum 5 lives) Three levels of benefits available Simplified issue Rates are based on age at entry and do not increase solely with attained age Contact APL for more information on this product 1Cancer Facts and Figures 2009; American Cancer Society, p 18. The information contained on this product page generally highlights the important features of the particular product listed and does not constitute a statement of contract, nor a complete description of the conditions, benefits, limitations, exclusions and other terms of coverage. The product listed and/or all benefits may not be available in all states and coverage is subject to all applicable policy provisions as authorized by the proper state regulatory authorities. For more complete information, please consult the terms of the product policy form approved in your state or contact us. For Agent Use Only. Not For Consumer Distribution.