As a result of 20 years in the industry, PPC has a number of direct relationships with providing carriers and is able to direct providers and customers to one another. Sometimes, this means linking an organization with the correct brokerage house, agency, or other licensed professional who can serve as broker of record on behalf of the organization. At other times, PPC assists in design and development of insurance pograms.
Health Insurance, Includes Major Medical on both individual and group basis, Limited Benefit Medical Plans (some of which are guarantee-issue which means no one can be turned down due to a “pre-existing” condition), Customized Partially Self Funded plans for larger employer groups who wish to sponsor their own programs, and a host of other health related programs. Of these, the guarantee-issue, Limited Benefit Medical Plans have been the most popular and AIM has been a sponsor of these national programs.
Short Term Major Medical, Health Insurance provided to individuals for various lengths of time from just a few days to one year or more. International Travel and Student Insurance, Health Insurance provided to individuals for various lengths of time from just a few days to one year or more. Dental Insurance, (several varieties are available, in all 50 states, including annual maximums from under $1000 per year to $1000, $1500, and $2000 per year maximums.
Life Insurance, (Term Life, Permanent Whole Life, Universal Life, Group Guarantee Issue (currently up to $25,000 on a guarantee-issue basis), Simplified Issue (up to $500,000 with only a few questions, not medical exams required), and other forms of Guarantee Issue and/or Simplified Issue Life Insurance). Accidental Death and Dismemberment Insurance, ugh! Occupational Accident Insurance, for various types of employment categories, benefits often to $2 million maximum per person and with monthly payments for disability in addition to health insurance related reimbursement. Accident Medical Expense Insurance, may be obtained in increments of $1000, $2500, $5000, $10,000, and $25,000 with only a $100 deductible, per cause. Most programs are guarantee-issue and family coverage is available.
Critical Illness Insurance, various amounts are available for individuals and families. Cancer Plans, various amounts are available for individuals and families. Disability (both Short Term and Long Term) Insurance, various elimination periods and amounts are available, also customized/individual plans may be written via a national brokerage service (may be written in virtually any state). Pet Insurance, discounted within associations. Prescription (Insurance) Drug Cards, these are the insured version, some offering co-pays plus discounts, with various co-pay amounts, etc. Normally these programs are reserved for employer groups, unions, and viable associations.
