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Obtaining Auto Insurance these days isn't too difficult, unless you have a unique situation. If you are a cookie-cutter policy, you can probably obtain an insurance auto quote in about 5 minutes, or less, without speaking to a human. However, there are a few catches that might have you reconsidering speaking to an agent. Not all car insurance policies, in Connecticut, are created equal. For example, having a teen driver can become costly. In more than one way, but most especially your insurance policy. We have the resources, and a team of seasoned professionals, ready to hear YOUR needs. Understanding how an auto insurance policies premiums are affected is our job, not yours. Simple things can affect the premium such as age and mileage, but did you know having your automobile paid off can significantly lower your auto insurance? Your finance company is likely imposing higher limit requirements than you need. Owning the car can give you flexibility to change limits where you want them. If you wanted more liability coverage (legal protection) but less collision you might save a few bucks by making small adjustments like that. Just be sure to always check with us on the current state minimum requirements. We can also help you insure your antique cars, motorcycles, watercraft and recreational vehicles. All of these types of auto insurance policies, should be handled by an insurance agent. There are many options available for specialized coverage for these types of auto insurance policies. That's where we will come in to help. Your motorcycle policy should have full replacement cost and no depreciation for parts. We can find you the best discounts for your watercraft insurance. "Turn off" your policy while your recreational vehicle (RV) is in storage. Get the right replacement value on your antique car insurance. The point is, you have the right to get the best coverage at the best rates. There are too many options for you to wade through them yourself. You deserve the best agency. Auto Insurance is not very exciting. Depending on which state you live in, it could be a smaller or larger piece of your budget than your neighbors across state lines. How much insurance should you buy? Any insurance agent worthy of their salt will tell you that you should buy as much as you can afford. While this is a good rule of thumb, it is about as useful as a stockbroker’s tip to buy low and sell high. It might be sound logic but it does not get you any closer to an educated decision. A few filters need consideration in order to make that educated decision. First, what is the state required minimum coverage where you live? Second, what does the minimum cover? Third, what other coverage is available and can you afford it? Fourthly, what are you protecting? Coverage Definitions Bodily Injury Liability covers other people's bodily injuries or death for which you are responsible. It also provides for a legal defense if another party in the accident files a lawsuit against you. Claims for bodily injury may be for such things as medical bills, loss of income or pain and suffering. In the event of a serious accident, you want enough insurance to cover a judgment against you in a lawsuit, without jeopardizing your personal assets. Bodily injury liability covers injury to people, not your vehicle. Therefore, it's good idea to have the same level of coverage for all of your cars. Bodily Injury Liability does NOT cover you or other people on your policy. Coverage is limited to the terms and conditions contained in the policy. Comprehensive covers your vehicle, and sometimes other vehicles you maybe driving for losses resulting from incidents other than collision. For example, comprehensive insurance covers damage to your car if it is stolen; or damaged by flood, fire, or animals. Pays to fix your vehicle less the deductible you choose. To keep your premiums low, select as high a deductible as you feel comfortable paying out of pocket. Coverage is limited to the terms and conditions contained in the policy. Collision covers damage to your car when your car hits, or is hit by, another vehicle, or other object. Pays to fix your vehicle less the deductible you choose. To keep your premiums low, select as large a deductible as you feel comfortable paying out of pocket. For older cars, consider dropping this coverage, since coverage is normally limited to the cash value of your car. Coverage is limited to the terms and conditions contained in the policy. Medical Payments covers medical expenses to you and your passengers injured in an accident. There may also be coverage if as a pedestrian a vehicle injures you. Does NOT matter who is at fault. Coverage is limited to the terms and conditions contained in the policy. Uninsured Motorist Bodily Injury covers bodily injuries to you and your passengers when the other person has no insurance or not enough auto insurance in a crash that is not your fault. In some states, there is also uninsured motorist coverage for damage to your vehicle. Given the large number of uninsured motorists, this is very important coverage to have, even in states with no-fault insurance. Coverage is limited to the terms and conditions contained in the policy Personal Injury Protection covers within the specified limits, the medical, hospital and funeral expenses of the insured, others in his vehicles and pedestrians struck by him. The basic coverage for the insured's own injuries on first-party basis, without regard to fault. It is only available in certain states. Property Damage Liability covers you if your car damages someone else's property. Usually it is their car, but it could be a fence, a house or any other property damaged in an accident. It also provides you with legal defense if another party files a lawsuit against you. It is a good idea to purchase enough of this insurance to cover the amount of damage your car might do to another vehicle or object. Coverage is limited to the terms and conditions contained in the policy. Rental Car Reimbursement covers renting a car if your car isn't drivable or while your car is being repaired because of a covered accident. What else is available and can you afford it? Did you come across a coverage and think, "I need that but it isn't required by state law" when you were reviewing the coverage definitions? Chances are you did. Can your budget afford the additional expense of these protections? Alternatively, maybe more to the point can you afford NOT to have these additional protections? So after you determine how much protection to get, always ask how much more it is for the next level higher. Very often, you can get significantly more coverage for very little cost. Contact us today for more details on auto insurance.

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

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

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.

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!

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!

... and long-haul) Intermodal and container haulers Auto haulers and vehicle ...de for-hire trucking, auto haulers, container haulers, last-mile delivery flee...

...auling Dry van, flatbed, and container loads Machinery and equipment t...

...growers producing field-grown or container stock Independent garden centers ...growers, nursery growers (field and container), and independent garden centers...