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...f need. APL’s Worksite Life plans provide easy access to valuable life ...t. What’s more, APL's Term Life plans provide an affordable rate that is...

...f need. APL’s Worksite Life plans provide easy access to affordable lif...at’s more, APL's Permanent Life plans provide a locked-in rate that prot...

Free Spirit Prescription Discount Plan Welcome to the Spirit Dental & Vision Prescription Discount Card. Your entire family will truly enjoy the savings which range from 15 to 65% for each prescription filled and overall savings of up to 40% annually. In 2009 our cardholders saved an overall average of 39.5% on all medications. The card is accepted at over 59,000 pharmacies including all major chain pharmacies and 95% of the independent pharmacies in the U.S and its territories. The Spirit Dental & Vision Prescription Discount Card has many scenarios where it can lower your drug costs. The uninsured and the under-insured can print off a card to lower their costs. The Medicare patient that reaches their "donut hole" can use the card for significant savings on generics which now receive minimal discounts. Fully insured individuals can use the card for medications that are not covered by their insurance plan...such as lifestyle drugs like Viagra or Cialis...or fertility medications. The Spirit Dental & Vision Prescription Discount Card has five other additional discount benefits that include: dental, vision, hearing, diabetic supply, and lab & imaging at substantially discounted prices. These can be accessed by anybody that don't have these benefits included in their health insurance plan.

... backed by loss control and regain plans Partnered loss mitigation and EMR...od improvement efforts and documented plans Clients willing to invest in s...

CareOptions Analytics™ Program- CAP CareOptions Analytics™ Program- CAP™- is a tactical software application that powerfully demonstrates and illustrates the costs associated with countless variations of client-specific short & long term disability, accident, illness, caregiving, and long-term care related issues. CAP™ provides a wide-array of solutions for your individual or group clients. CAP™ is easily loaded on your laptop or PC, and with the exception of activation and quarterly updates, requires no internet connection to fully operate. It’s completely portable and can be used anywhere! CAP™ consists of intelligent programs that will compute and illustrate: Cost of Care by Region CLASS Contribution Illustrates the reimbursements and deficiencies of the new CLASS benefit program for any care and progression of care scenario Comparison of Care Costs by Region Progression of Care Family Care Costs Income Reductions Loss of Income Income Replacement Retirement Planning Employer Costs of Lost Productivity COOL™ Solutions CAP™ does all of this without the need to research or look-up cost data, interest or inflation information – this is all built in, and kept up-to-date for you – specific to every region in the US! What Can CAP™ Do for You? CAP™ provides robust functions that act as compelling personal calls to action for your prospects & clients: Zeros-in on the “need” with your prospects and clients own numbers and presents an accurate financial outcome Establishes instant credibility Educates your prospects and clients with detailed information presented in a way they have never seen before Spotlights the need for preservation and protection of personal assets and income Inspires an immediate and critical need for your services, insurance and/or financial products Illuminates professional distinctiveness in a market lacking noteworthy differentiation CAP™ is both user-friendly, yet sophisticated software that provides all the information YOU need with minimal user input. CAP™ contains all the data needed for results ranging from simple to highly customized. Anyone can use CAP™ with ease, and you can tailor your assumptions to be as detailed as you like. Each CAP™ program permits you to view, right from your laptop or PC screen, easy-to-understand results, graphs, and reports for every client. These reports can be conveniently saved and emailed, faxed, printed, sent to your clients, or used as an on-the-spot visual aid. Demonstrate these appealing visuals in seminars and group settings for an attention- grabbing, professional presentation.

...bs Accounts with formal emergency plans, onsite security, or active risk-mana...ry of security and emergency response plans, staffing levels, and information ...

Gateway Specialty Insurance offers a fast and reliable market for Special Event Insurance, providing brokers and agents with access to both Admitted and Non-Admitted carriers. Whether you're placing coverage for a small community fundraiser or a large-scale music festival, Gateway Specialty can help you quote and bind policies quickly and efficiently. Ideal Accounts and Event Types Our program is designed to accommodate a wide range of special events, including but not limited to: Beer Gardens and Beer Tents Car Shows and Motor Vehicle Events Concerts and Musical Performances Conventions, Trade Shows, and Exhibits Festivals and Parades Fundraisers and Picnics Private Parties and Weddings Sporting Events (amateur or non-professional) Other Miscellaneous Gatherings This program is ideal for agents working with clients who host one-time or short-term events, especially where liability, liquor, or cancellation exposures are a concern. Coverage Highlights and Advantages Coverage options available through Gateway Specialty Insurance may include: General Liability Liquor Liability Event Cancellation Weather Insurance Hole-in-One Coverage With access to USLI and other trusted carriers, we provide flexible solutions tailored to the unique risks of each event. Liquor liability and weather protection options are especially valuable for outdoor and licensed events such as beer festivals or wedding receptions. Underwriting Notes and Minimum Premiums Our underwriting team is responsive and knowledgeable, helping agents navigate quotes with minimal friction. Minimum premiums start at: General Liability: $225 Liquor Liability: $325 We accept submissions via applications or ACORD forms. There is no premium commitment or contract required, making it easy to place business with us. Territories and Availability This program is available in most states, including AL, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, 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, WI, and WY. Why Work With Gateway Specialty Insurance? Gateway Specialty focuses on niche commercial markets, including special events, allied healthcare, nonprofit, and technology risks. We offer low minimum premiums, flexible billing options (agency and direct bill), and expert account management. Our non-admitted expertise allows us to handle unique or hard-to-place event risks quickly and efficiently. If you have a client planning a single-day concert or a weekend fundraising festival, we can help you secure the coverage they need—fast. For submissions, email your applications to [email protected] or contact Anthony Vellutato at 877-977-4474 ext. 7044 or [email protected]. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for one-time or short-term special events such as concerts, festivals, fundraisers, weddings, and trade shows. What coverages are available for special events?We offer General Liability, Liquor Liability, Event Cancellation, Weather Insurance, and Hole-in-One coverage, depending on the event type. Are both admitted and non-admitted markets available?This program is placed through non-admitted markets, primarily USLI, allowing greater flexibility for unique and higher-risk events. What are the minimum premiums for this program?Minimum premiums start at $225 for General Liability and $325 for Liquor Liability coverage. How can I submit an application?You can email completed applications or ACORD forms to [email protected] for a fast turnaround. Need help placing an account? Connect with a market specialist.

...r-operators and uses fixed benefit plans and class-based rates to streamline u...s producer admin burden through fixed plans and a centralized call-center enro...

...sized retailers. Available payment plans include: Pay-as-you-go (payroll-ba...e submitting. What billing or payment plans are available for insureds?Normand...

Limits Available Directors & Officers and Employment Practices $5,000,000 limit available Business Owners Package for Homeowners Associations under 100 Units General Liability - $2,000,000/$4,000,000 Property - $300,000 blanket coverage available (excluding buildings) Preferred Classes Residential Condominiums Associations Homeowners Associations Retail Associations Cooperatives Property Owner Associations Dock Associations Office/Industrial Parks Mobile Home Parks Planned Unit Developments Restricted Classes Master Associations Rental Associations Condo-Hotels Timeshares Overview of the Program from Advanced E&S Group – Southeast Region Advanced E&S Group – Southeast Region offers a specialized COMMUNITY ASSOCIATIONS D&O/EPLI Insurance program tailored for agents and brokers seeking reliable markets for residential and commercial associations. This solution is designed to address the unique management liability exposures faced by boards and officers of community associations, including wrongful acts, employment issues, and governance-related claims. With access to multiple carriers and deep experience in the community association space, Advanced E&S Group provides flexibility, competitive limits, and underwriting insight to help you successfully place your clients' risks. Ideal Accounts and Appetite This program is best suited for established and well-managed community associations. Preferred classes include: Residential Condominium Associations Homeowners Associations (HOAs) Retail and Property Owner Associations Cooperatives and Dock Associations Office and Industrial Parks Mobile Home Parks Planned Unit Developments For example, you might have a client managing a 75-unit condominium in a coastal state with a solid HOA board and no recent claims history—this would be a strong fit for the program. Coverage Highlights and Advantages D&O and EPLI Limits: Up to $5,000,000 available for Directors & Officers and Employment Practices Liability. Business Owners Package: Available for HOAs under 100 units and includes: General Liability: $2,000,000 per occurrence / $4,000,000 aggregate Property: Blanket coverage up to $300,000 (excluding buildings) This comprehensive structure allows agents to provide layered protection for boards of directors, employees, and volunteers within associations, all in one streamlined package. Underwriting Notes and Minimum Premiums The program is written on a non-admitted basis through various carriers. Minimum premiums vary by risk size, location, and coverage selected. Underwriting is flexible but focuses on associations with good governance and a clean loss history. Restricted classes include: Master Associations Rental Associations Condo-Hotels Timeshares Associations with frequent tenant turnover or vacation-rental exposure may fall outside the appetite. Territories and Availability The COMMUNITY ASSOCIATIONS D&O/EPLI Insurance program is available in most U.S. states, including but not limited to FL, TX, CA, GA, NY, and NC. Coverage is currently offered in all states except those requiring admitted-only markets. Availability includes DC and all 50 states. Why Work With Advanced E&S Group? Advanced E&S Group is a trusted Managing General Agency with deep expertise in community association risks. Their Southeast Region team understands the nuances of local and regional exposures and works closely with agents to tailor solutions that meet the specific needs of each association. With access to a broad range of carriers, they provide flexible solutions, responsive service, and underwriting support that helps agents win and retain business in this niche space. Frequently Asked Questions What types of accounts are a good fit for this program?The program is ideal for residential condominium associations, HOAs, mobile home parks, and planned unit developments with good governance and minimal loss history. Are business owners packages available for smaller associations?Yes, BOP coverage is available for homeowners associations with fewer than 100 units, including general liability and property coverage (excluding buildings). Is this program admitted or non-admitted?This program is written on a non-admitted basis through various carriers, allowing greater flexibility in coverage and underwriting. Which states is the program available in?The program is available nationwide, including DC and all 50 states, subject to eligibility and underwriting requirements. What are some restricted classes?Restricted classes include master associations, rental associations, condo-hotels, and timeshares. Need help placing an account? Connect with a market specialist.