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The statistics are staggering — one out of two men and one out of three women will face cancer in their lifetime. As an insurance professional, you know how devastating a cancer diagnosis can be—not just emotionally, but financially. The Cancer Expense Protection program from Assurity Life Insurance Company offers your clients a valuable safety net that can help them manage the high costs associated with cancer treatment. Comprehensive Cancer Expense Coverage The Assurity at Work Cancer Expense Plan provides a broad range of benefits to help insureds cover the costs of both immediate and ongoing treatments. Coverage extends beyond cancer to include 30 dread diseases, offering expanded protection for individuals and families alike. A Family Rider is available to include a spouse and/or eligible children under one policy, enhancing the plan’s value for households seeking comprehensive coverage. Ideal Clients and Use Cases This plan is ideal for employers looking to offer voluntary benefits, or individuals seeking supplemental cancer insurance. You might have a small business client who wants to provide added protection for their employees, or an individual client with a family history of cancer. Coverage is available to employees aged 18 to 69 and is guaranteed renewable, providing long-term peace of mind. Coverage Features and Available Benefits The policy includes a wide array of benefits designed to support clients throughout their treatment journey: Hospital Indemnity Prescription Drugs and Medicines Surgical Benefit and Anesthesia Radiation, Chemotherapy, or Immunotherapy Experimental Treatment Bone Marrow Transplant for Cancer Transportation and Lodging Benefits Private Duty Nurse and Home Health Care Services Outpatient Positive Diagnostic Testing and Surgery Skin Cancer and Breast Cancer-related Benefits Hospice, Ambulance, and Extended Care Facility Hairpiece Benefit and Durable Medical Equipment Professional Mental Health Consultation Waiver of Premium and Extended Benefits Available Riders To further tailor the coverage, several optional riders are available: Family Rider Cancer Only Hospital Intensive Care Rider Intensive Care Unit Rider Internal Cancer First Occurrence Benefit Rider Return of Premium Rider First Hospital Admission Rider Underwriting and Program Details Employee Issue Ages: 18 – 69 Guaranteed Renewable This plan is not eligible for the Guarantee to Issue Program Offered on a non-admitted basis Program Availability This Cancer Expense Protection plan is available in most states, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Why Work With Assurity Life Insurance Company Assurity Life Insurance Company brings decades of experience in individual and worksite benefits. Their Cancer Expense Protection plan is thoughtfully designed with both flexibility and comprehensive coverage in mind. Agents and brokers benefit from Assurity’s responsive support, robust plan features, and optional riders that let you build coverage packages tailored to your clients' unique needs. Whether you’re helping a small business enhance its employee benefits package or assisting an individual seeking extra protection, Assurity's Cancer Expense Protection plan is a strong solution for managing the financial impact of a cancer diagnosis. Frequently Asked Questions What types of accounts are a good fit for this program?This program works well for small to mid-sized employers offering voluntary benefits, as well as individuals and families looking for supplemental cancer coverage. Can dependents be added to the policy?Yes, the Family Rider allows you to add a spouse and/or eligible children to the coverage. Is this plan available in all states?The Cancer Expense Protection plan is available in most U.S. states. Please refer to the state list provided or contact Assurity for state-specific availability. What are the employee eligibility requirements?Employees must be between the ages of 18 and 69 to apply for coverage under this plan. Is this an admitted or non-admitted product?This Cancer Expense Protection plan is offered on a non-admitted basis. Need help placing an account? Connect with a market specialist.

No one wants to imagine an active assailant incident at their organization, but preparing for that risk is important. Irwin Siegel Agency offers an Active Assailant Insurance Product that combines liability, property, business interruption and response cost coverage with practical risk-management support. If a tragic incident occurs, this program is designed to help your clients stabilize operations and help address financial and human impacts. Overview of the Program from Irwin Siegel Agency As a program administrator working with Aegis, Irwin Siegel Agency places specialized active assailant coverage for a broad range of public-facing and mission-driven organizations. The program pairs tailored insurance forms with risk-management tools and online training designed to improve preparedness and support recovery. You can use this program to place accounts that need focused coverage for violent incidents and the downstream operational impacts. Coverage highlights Legal Liability – Defense and indemnity for damages an insured is legally obligated to pay following an incident. Physical Damage – Coverage for loss, damage, or destruction to insured property caused by an incident. Business Interruption – Indemnity for earned income and continuing operating expenses after a covered physical loss. Extra Expense – Payments for reasonable extra costs to continue operations or resume more quickly. Response Fees – Expenses incurred to avoid, minimize, or mitigate damage to property or persons. Product enhancements and additional features Offsite extension for incidents that occur while insureds are working away from scheduled locations. Event cancellation extra expense coverage. Accidental death benefit for insured persons. Insureds can include clients/residents, volunteers, and guests. Grief counseling benefits for insureds and immediate family members. Vehicle coverage that includes all-terrain vehicles and snowmobiles where applicable. Relocation and emergency travel expense coverage. Eligible classes Social and human service providers Academic institutions Healthcare providers Hospitality businesses, hotels Stadiums, venues, festivals, nightclubs Retailers, banks, transport hubs Risk management & training Irwin Siegel Agency pairs this program with risk-mitigation resources and online training to help insureds reduce exposure and improve response. Available courses include: Active Shooter Training – life-saving preparedness training developed with law enforcement subject matter experts. Violence in the Workplace – prevention and response education for employees. Intro to Site Security – foundational guidance on security controls and workplace protection. Ideal accounts and appetite This program fits organizations that maintain public access or gather large groups and that need comprehensive coverage for violent incidents and related operational losses. Typical good fits include: Behavioral health and social service agencies with walk-in clients K-12 and higher education campuses Hospitals, outpatient clinics, and long-term care facilities Hotels, event venues, stadiums, and festival organizers Retail centers and transportation hubs Accounts with formal emergency plans, onsite security, or active risk-management programs are particularly well-positioned for placement. Underwriting notes and minimum premium Underwriting typically considers occupancy, capacity, security measures, prior loss history, and emergency response planning. Documentation such as security assessments, incident response plans, and training records will help during submission. Minimum premium: Varies. Territories and admitted status Admitted status: All Available States. This program is available in the following states and territories: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Please confirm state availability and admitted/non-admitted placement options at submission time. Why place this business through Irwin Siegel Agency? Program administrator experienced in placing specialized coverages with Aegis. Integrated risk-management resources and online training to support insureds before and after an incident. Flexible enhancements that address both human and property impacts of active assailant events. Dedicated underwriting with a focus on public-facing organizations and mission-driven accounts. Example scenarios You might have a nonprofit community center that hosts public events and wants both liability and business interruption protection for violent incidents. Or a regional university seeks a program that pairs counseling benefits and event cancellation coverage with property and response fees—this program can be structured to address those needs. For more information about our Active Assailant Program, give us a call today at 800.622.8272 or visit the program page of our website, https://www.siegelagency.com/insurance-programs/active-assailant/. Frequently Asked Questions What types of accounts are a good fit for this program?Public-facing organizations with exposure to mass gatherings or walk-in clients—such as schools, healthcare facilities, venues, social service providers, and hotels—are the primary targets. Accounts with documented security or emergency plans are especially attractive. What coverages are included and can limits be adjusted?The program includes legal liability, physical damage, business interruption, extra expense, and response fee coverage, plus optional enhancements such as offsite extension, event cancellation expense, and grief counseling. Limits and sublimits can be tailored through underwriting depending on account size and risk profile. What submission materials will underwriters want?Underwriters typically request occupancy details, loss history, a summary of security and emergency response plans, staffing levels, and information about recent training or drills. Providing these items up front speeds placement. Are risk-management tools and training included?Yes. Irwin Siegel Agency pairs this offering with online training and other risk-management resources to help insureds prepare and reduce exposure. These tools are a key part of the program's value proposition. How do I confirm availability and minimum premium?State availability is listed on the program; admitted status is noted as "All Available States." Minimum premium varies by account—contact Irwin Siegel Agency for current minimums and to discuss a specific submission. Need help placing an account? Connect with a market specialist.

AFC Insurance Inc.’s Autism Insurance program is offered through its Human & Social Services Insurance platform. As a program administrator with access to multiple admitted carriers, AFC provides flexible, industry-specific solutions for organizations that deliver services to individuals diagnosed with autism. The program can be structured to cover diagnostic assessments, behavioral health therapy, rehabilitative services, counseling, and pharmacy-related support — with options to combine general and professional liability into a single package policy. Ideal Accounts and Appetite This program is designed for a range of autism-service organizations. Typical classes we place include: Autism services providers — outpatient centers, in-home therapy providers, and day-program operators Special schools — private or nonprofit schools focused on special education for children with autism spectrum disorders From the agent’s perspective: this is a good market when your client needs protection for both general liability exposures (slips/trips, premises) and professional exposures (therapy, assessments, treatment plans). AFC is particularly useful for accounts with part-time staff, regular volunteers, or contracted therapists who require endorsed coverage. Coverage Highlights and Advantages Offered on an admitted basis in most states, the program bundles a broad set of coverages that human and social services organizations commonly need: General Liability and Professional Liability (errors & omissions) Package policy options to simplify placement and reduce coverage gaps Endorsements and enhancements, including: Volunteers & independent contractors included as insureds Optional key employee replacement Optional blanket additional insured endorsement for contractual relationships Umbrella and excess limits to extend primary liability capacity Property and auto coverage (subject to underwriting restrictions) Abuse & molestation coverage — available where admitted These options help agents tailor policies for multi-location programs, mobile in-home services, and organizations that rely on volunteers or subcontractors. Underwriting Notes and Minimum Premiums Underwriting emphasizes the operational controls that reduce liability exposures: staff training and credentials, documented treatment plans, background checks, supervisory ratios, and client intake/consent procedures. Common factors that affect pricing and acceptability include the types of services provided, frequency of in-home work, staff composition (W-2 employees vs. contractors), and prior loss history. Minimum premiums and final terms vary by state, carrier, and selected coverages. AFC works directly with agents to identify the optimal carrier within their panel and structure limits and endorsements to match the client’s risk profile and budget. Territories and Availability The program is available in most U.S. jurisdictions. AFC currently offers this product in 49 states plus Washington, DC. Availability and specific coverage features can vary by state, so confirm state eligibility and any local restrictions when submitting a referral. Why Work With AFC Insurance Inc. AFC brings focused underwriting experience in the human and social services sector and access to admitted markets that prefer specialty program business. As a program administrator, AFC can tailor package solutions, place complex or multi-location accounts, and provide agent support through underwriting consultation and flexible endorsements. Example placements that fit well: you might have a mid-sized private autism therapy center operating from several leased locations that needs both professional liability and umbrella limits; or a nonprofit special education school relying on volunteers and contracted therapists that requires volunteer-insured endorsements and abuse & molestation coverage. Frequently Asked Questions What types of accounts are a good fit for this program?Autism therapy providers, special education schools, and nonprofit organizations offering autism-related services are ideal fits. Is this program available on an admitted basis?Yes, the program is offered on an admitted basis in most states. Are volunteers and independent contractors covered?Yes, volunteers and independent contractors can be included as insureds through available coverage endorsements. What coverages are typically included in the program?The program includes general liability, professional liability, property, auto (with some restrictions), umbrella, and abuse & molestation coverage, along with optional enhancements. In which states is this program available?The program is available in 49 states plus Washington, DC. Contact AFC Insurance Inc. for availability in specific states. Need help placing an account? Connect with a market specialist.

AFC Insurance Inc. offers a specialized HIV / AIDS Insurance program within its Health & Human Services Program. Designed to support organizations that serve individuals living with HIV/AIDS, this program is tailored for service providers delivering critical care, resources, and advocacy. It is structured to address the unique risks these organizations face, providing comprehensive coverage options and flexible underwriting to meet a variety of operational needs. Ideal Accounts and Appetite This program is intended for nonprofit and for-profit organizations that provide direct services to individuals living with HIV/AIDS. Typical eligible accounts include: Community-based HIV/AIDS service organizations Hospice providers caring for HIV/AIDS patients Nutrition and wellness counseling programs tailored for HIV-positive individuals These organizations commonly deliver a mix of medical, emotional, and social services such as case management, life coaching, housing assistance, transportation, and educational outreach. Ineligible risks: needle exchange programs are excluded from this program. Coverage Highlights and Advantages Agents can place a broad package of coverages designed for health and human services providers. Available coverages and enhancements include: General Liability and Professional Liability Property and Auto (subject to underwriting restrictions) Umbrella Liability Abuse & Molestation coverage Coverage enhancements such as: Volunteers and Independent Contractors as Insureds Optional Key Employee Replacement Endorsement Optional Extended Coverage Endorsement with Blanket Additional Insured The program is structured to address exposures common to these organizations, including professional liability arising from counseling services, claims involving volunteers, and auto liability related to client transportation. Underwriting Notes and Minimum Premiums Minimum premiums vary by account based on size, services provided, and coverage selections. AFC Insurance Inc. works with multiple carrier partners to offer flexible solutions and competitive pricing for qualifying risks. For accurate quoting, submissions should include full operational details: services offered, client population, staffing and volunteer structure, transportation usage, and any risk management practices or incident history. Territories and Availability The HIV / AIDS Insurance program is available in most states, including major markets such as CA, NY, TX, FL, IL, and PA. In total the program spans more than 45 states plus DC. Coverage is available on an admitted basis in most states; state-specific placement options and forms may vary. Why Work With AFC Insurance Inc. As a dedicated Program Administrator, AFC Insurance Inc. brings specialized underwriting expertise in the health and human services sector. Their team understands the sensitive and complex risks organizations serving people living with HIV/AIDS face. AFC provides access to multiple markets, specialized endorsements, and underwriting flexibility—helping you place accounts that might not fit standard markets. Agent scenarios where this program fits well: You have a small nonprofit that provides nutrition counseling and case management to HIV-positive clients and needs professional liability plus volunteer coverage. You represent a larger community-based provider that offers transportation and hospice care and requires a combination of general liability, professional liability, and auto coverage with abuse & molestation protections. Whether your client is a small counseling program or a multi-service provider, AFC’s program is structured to deliver appropriate protection with responsive underwriting and market access. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best for organizations that provide direct services to individuals living with HIV/AIDS, including hospices, counseling centers, and community support agencies. Are needle exchange programs eligible for coverage?No. Needle exchange programs are specifically excluded from eligibility under this program. What coverages are included in the package?Typical offerings include General and Professional Liability, Property, Auto (with restrictions), Umbrella, Abuse & Molestation, plus endorsements for volunteers and key employees. Is this program available nationwide?The program is available in most U.S. states, including major markets like NY, CA, TX, and FL. Availability and form types vary by state—check with AFC for state-specific details. What is the minimum premium for this program?Minimum premiums vary by risk characteristics, services provided, and selected coverages. Contact AFC Insurance Inc. for a tailored quote based on the account details. Need help placing an account? Connect with a market specialist.

Early Intervention Development Programs are a core class in AFC Insurance Inc.'s Health & Human Services program. This program is designed to meet the unique liability and property needs of professional Early Intervention Development Programs — child care and developmental support providers that help children build motor and cognitive skills. Review the eligible classes, coverages, and program details below to see how AFC Insurance Inc. can help you place this business. Eligible List of Classes: Home & Community Based Services, Motor and Cognitive Skills Overview of the Program from AFC Insurance Inc. AFC Insurance Inc. offers a targeted program for agents placing Early Intervention Development Programs. As a program administrator, AFC works with multiple carrier markets (varies by account) to provide flexible package and standalone solutions tailored to the exposures of early childhood development and home- or community-based therapy programs. This program is intended for professional providers that deliver supervised developmental services to children and that need combined general liability, professional liability and optional property/auto protection. Ideal Accounts and Appetite Small to mid-sized early intervention centers and child development programs Home & community based service providers offering motor and cognitive skills therapy Programs that use volunteers or independent contractors (endorsement options available) Organizations seeking tailored liability programs with optional key employee replacement and abuse & molestation coverages Accounts that typically do NOT fit: large institutional providers with high-severity loss histories, programs with unlicensed or unmanaged clinical operations, or operations with complex transportation fleets (auto coverage has restrictions). Final appetite is carrier-dependent. Coverage Highlights and Advantages Package policies combining General & Professional Liability to address both general liability and allegations arising from professional services. Coverage endorsements and enhancements, including Volunteers & Independent Contractors as Insureds — useful for programs that rely on part-time staff or contracted therapists. Optional Key Employee Replacement Endorsement to help cover temporary staffing costs after a covered loss to a key staff member. Optional Extended Coverage Endorsement with Blanket Additional Insured available for contracts and facility relationships. Umbrella/excess capacity and Property coverage where exposures warrant it; Auto coverage available with some restrictions. Abuse & Molestation coverage available as an option — important for child-focused programs. Underwriting Notes and Minimum Premiums Underwriting is completed by AFC Insurance Inc. in coordination with carrier partners. Carriers and terms vary by state and account characteristics. Typical considerations include program size, staff qualifications and training, screening and hiring practices for employees and volunteers, background checks, client-to-staff ratios, facility safety, and any transportation exposures. Minimum premiums vary by carrier and state. Provide complete submissions (ACORD applications, prior loss runs, staff/volunteer screening practices, sample client agreements) to obtain accurate quotes and to identify available endorsements. Territories and Availability This program is available in most states listed: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Admitted status and carrier availability vary by state and by carrier; AFC places business with admitted and non-admitted markets depending on the account and jurisdiction. Why Work With AFC Insurance Inc. on Early Intervention Development Programs AFC acts as a program administrator with experience packaging liability and ancillary coverages for child-focused health & human services classes. Access to multiple carrier markets and flexible endorsements helps tailor policies to operational realities (volunteers, independent contractors, key staff roles). Responsive underwriting for small and mid-sized programs — balanced appetite that considers both professional and general liability exposures. Practical guidance to help you assemble a full submission and identify appropriate risk management items that improve placement prospects. Example accounts that fit this program You have a three-location early intervention program that provides in-home motor skill therapy and wants combined professional and general liability with volunteer coverage — this program can provide tailored endorsements and umbrella options. You represent a small community-based developmental center that needs professional liability, property, and optional key employee coverage while keeping payroll-driven exposures manageable — AFC can coordinate carrier options to match the risk profile. Coverages Available Package, General & Professional Liability, Coverage Endorsement & Enhancements including Volunteers & Independent Contractors as Insureds, Optional Key Employee Replacement Endorsement, Optional Extended Coverage Endorsement with Blanket Additional Insured, Umbrella, Property, Auto (some restrictions may apply) and Abuse & Molestation. Program Contact and Submission Tips For best results, submit a completed application, current loss runs (5 years preferred), descriptions of programs and services, staff qualifications and screening protocols, and details on any transportation or residential services. AFC Insurance Inc. underwriters evaluate each account and will identify carrier appetite and minimum premiums during the quote process. Frequently Asked Questions What types of accounts are a good fit for AFC's Early Intervention Development Programs insurance?Small-to-mid sized early intervention centers, home & community based service providers, and child development programs that provide supervised motor and cognitive skills therapy — especially those that use volunteers or independent contractors and need combined general and professional liability. What coverages and endorsements are available through this program?The program offers package and standalone General & Professional Liability, endorsements for Volunteers & Independent Contractors as Insureds, optional Key Employee Replacement and Extended Coverage with Blanket Additional Insured, umbrella/excess, property, auto (with restrictions), and optional Abuse & Molestation coverage. Specific availability depends on carrier and state. How does admitted status and carrier availability work?Carrier participation and admitted vs. non-admitted status vary by state and by the individual account. AFC places business with multiple markets and will recommend admitted or non-admitted options based on the client’s location, exposures, and desired coverages. What do underwriters want to see in a submission?Underwriters typically request a completed application, recent loss runs, program descriptions, staff hiring and screening policies (including volunteer screening), training protocols, and details on transportation or residential services. Complete submissions speed underwriting and help identify available endorsements and pricing. Need help placing an account? Connect with a market specialist.

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Significant expertise and underwriting infrastructure are essential when it comes to insuring crisis centers and similar social service organizations. NIF Group Inc. offers a tailored Crisis Centers Insurance program designed specifically for nonprofits, mental health facilities, and social service providers that deliver critical services to vulnerable populations. Agents working with these accounts need insurance solutions that go beyond basic coverage—and NIF Group delivers that with comprehensive protection and program flexibility. This program provides vital liability protection for the organization, its employees, and volunteers. Policies can be structured to extend coverage to independent contractors, healthcare professionals, and others involved in delivering services. Whether your client operates a small local crisis hotline or a multi-location behavioral health facility, NIF Group can help protect their mission and operations. Ideal Accounts and Program Appetite The Crisis Centers Insurance program is built for a wide range of nonprofit and social service providers, including: Community crisis hotlines Suicide prevention centers Domestic violence shelters and support centers Mental health counseling facilities Behavioral health and addiction recovery programs Accounts with volunteer staff, onsite counseling, outreach programs, and mobile services are all eligible considerations. Organizations with healthcare providers on staff or contractual medical professionals can also be accommodated under the professional liability options. Coverage Highlights and Advantages NIF Group’s package policies offer broad, customizable coverage to meet the unique risks associated with crisis and social services operations. Standard coverages include: General liability insurance Professional liability, including healthcare liability Property insurance Auto liability and physical damage Boiler and machinery Crime insurance Umbrella/excess liability Optional enhancements are available to address more specialized exposures: Employee benefits liability Equipment breakdown Sexual/physical misconduct coverage Directors & Officers (D&O) for nonprofits, with EPLI Coverage can be tailored to match the operational structure—whether your client relies heavily on volunteers, contracts with outside counselors, or employs medical personnel directly. Underwriting Notes and Minimum Premiums Minimum premiums vary based on account size, services provided, and coverage selections. NIF Group’s underwriters are experienced in evaluating nonprofit and healthcare-related risks and can work with agents to structure appropriate and competitive terms. Loss control support and claims expertise are also key parts of the offering, helping your clients manage risk and respond effectively when incidents occur. Territories and Availability This program is available in nearly all U.S. states, with the exception of Hawaii and Louisiana. Coverage can be written on an admitted basis where available. States include CA, TX, FL, NY, IL, PA, and most others—see the full list for specific state availability. Why Work With NIF Group Inc.? NIF Group Inc. is a trusted program administrator with deep experience in the nonprofit and human services space. Their specialized underwriting knowledge, broad market access, and responsive service make them a valuable partner for agents placing crisis center and social services accounts. You can rely on NIF Group to help you navigate complex exposures and deliver tailored coverage solutions that protect your clients and support their mission-driven work. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include nonprofit crisis centers, counseling facilities, suicide prevention hotlines, domestic violence shelters, and behavioral health organizations. Can this program cover medical professionals working with the organization?Yes, the program can be structured to include professional liability for employed or contracted medical personnel, including counselors and healthcare providers. Is volunteer staff covered under this policy?Yes, volunteers are commonly included in the policy, and coverage can be customized to account for their roles and responsibilities. What is the minimum premium for this program?Minimum premiums vary depending on the size and scope of the organization, as well as selected coverages. Contact NIF Group for underwriting details. In which states is this program available?The program is available in most U.S. states, except Hawaii and Louisiana. It is offered on an admitted basis where applicable. Need help placing an account? Connect with a market specialist.

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