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healthcomputer

Spanish-Language Website for Health Law

Sacramento business leaders launched a Spanish-language website Friday to help Latino employers and employees navigate the health-reform law. The goal is to ensure small business owners and workers have access to critical information in the language they understand best. Latinos represent a significant number of California’s uninsured and are critical to the success of the Affordable Care Act. “It is essential that employers understand the health care law to take full advantage of its benefits and incentives, including tax credits that can make it easier for businesses to provide coverage to employees,” according to a recent report in the Sacramento Business Journal. ... Continue Reading →
nursechart

Patient-Driven Health Care Getting Poplar

It’s not just our nation’s health care system that’s changing, but the patients who utilize this system as well. An especially interesting trend along these lines is what Dr. Margaret Chesney, head of U.C. San Francisco’s Osher Center for Integrative Medicine, describes as patient-driven health care. “Not just patient-centered,” she emphasized during a visit to her office last year, “but patient-driven.”  We try to find out what our patients want and help them make an informed decision,” said Chesney. “Once they’ve decided what they want, our job is to provide the pieces that they need and that we feel comfortable with.” here are times, however, when what patients need and they they’re looking for extends beyond any combination of therapies to a new way of seeing themselves, recognizing that, for instance, the search for the sacred in their lives can contribute significantly to their mental and physical heal according to a recent report at Communities Digital News. ... Continue Reading →
graphwrestle

Medicaid, CHIP Enrollment Up Since September

Between September 2013 and May, about 6.7 million U.S. residents had signed up for Medicaid or the Children’s Health Insurance Program under the Affordable Care Act, bringing the total number of individuals enrolled in the programs to almost 66 million, according to a CMS report released Friday, The Hill reports (Al-Faruque, The Hill, 7/11). Agency officials said the enrollment figure marked an 11.4% increase over enrollment rates during the three-month period before the launch of the ACA’s first open enrollment period on Oct. 1, 2013 (Adams, CQ HealthBeat, 7/11). Although the open enrollment period for private coverage ended in March, Medicaid and CHIP continues year-round according to a recent report at California Healthline. ... Continue Reading →
brown

Governor Brown Announces Appointments

California Governor Brown has announced the following appointments: Marta Green, 35, of Rocklin, has been appointed chief deputy director at the California Department of Managed Health Care, where she has served as deputy director of communications and planning since 2012. Green served in multiple positions at the California Health and Human Services Agency from 2010 to 2012, including associate secretary of media relations and assistant associate secretary of health care reform. Green was assistant director of external affairs at CaliforniaVolunteers from 2007 to 2010 and was acting assistant associate secretary at the California Health and Human Services Agency from 2006 to 2007. She was a senior information officer at the California Department of Rehabilitation from 2005 to 2006 and served in multiple positions at the California Department of Transportation from 2000 to 2005, including information officer and right-of-way agent. This position does not require Senate confirmation and the compensation is $124,872. Green is registered without party preference. Patricia Kinnard, 63, of Sacramento has been appointed special assistant at the Office of the State Librarian. Kinnard has been a staff services analyst at the California State Library since 2008, where she was an office technician from 2005 to 2008. She served as an executive secretary at the California Department of Transportation in 2007 and was a clerk at American River College from 2004 to 2005. Kinnard was a librarian at Cordova Garden Elementary School from 2000 to 2005 and a library clerk at Cordova High School from 1999 to 2000 and at Peter J. Shields Elementary School from 1995 to 1999. This position does not require senate confirmation and the compensation is $58,848. Kinnard is a Republican. Click Here to read the entire list of appointments ... Continue Reading →
DHeads-GeneralAgents

General Agents 2014

    A l B l C l D l E l F l G l H l I l J l K l L l M N l O l P l Q l R l S l T l U l V l W l X l Y l Z Accent Insurance Brokerage Contact: Melissa Shaw 26477 Rancho Pkwy. South Lake Forest, CA 92630 (949) 699-1662 Ext. 204 Fax: (949) 699-1069 email: Melissa@accentinsurancebrokerage.com Website: www.accentinsurancebrokerage.com Website: www.melissashawplanner.com Products: Life Insurance (wholesale insurance for the financial professional); Long Term Care; Financial counseling. Serving: CA –––––––––– Ace Benefits Group Retirement & Insurances Contact: administrator@acebenefitsgroup.com 155 W. Washington Blvd., #1114 Los Angeles, CA 90015 (213) 765-0089 Fax: (323) 345-5089 Website: www.acebenefitsgroup.com www.retirementchoices.org Products: Accident; Annuities; Critical Illness; Defined Benefit Plans; Disability; Key Employee Insurance; Life (group ,term, universal, whole); LTC; Retirement Planning Strategies; Personal Accounts; Section 79; Roth IRA; Supplemental Benefits (ind., group); Tax-Free Retirement; Worksite Marketing Serving: Nationwide __________ Advanced LTC Insurance Services Contact: Larry Banks 425 W. Broadway, Ste. 205 Glendale, CA 91204 (818) 547-6677 (800) 427-3209 Fax: (818)547-2220 Email: larry@advancedltc.com Email: barry@advancedltc.com Website: www.advancedltc.com Products: Dental (Ind. Group); Health (Group, ind.); LTC, Life (group term, term, UL); Vision, Worksite Marketing __________ Aigilis Corporation Contact: Mark Gebhardt P.O. Box 953279 Lake Mary, FL 32795 (407) 324-3921 (866) 205-1936 Fax: (480) 287-8574 email: info@aigilis.com Website: www.aigilis.com Products: ACA Medial GAP Plans, Accident, Crtical Illness, Dental (ind., group), Health (group, ind.); Life Insurance Quote Engine for website, LTC, Medicare Supplement, Vision Serving: Nationwide –––––––––– AIS Contact: Douglas Shimada 1999 Harrison St., Ste. 1800 Oakland, CA 94612 (510) 893-5331 (800) 788-6524 Fax: (888) 502-3384 email: doug@ais-insurance.com Website: www.ais-insurance.com Products: Ancillary; Dental; Disability; Life (group); TPAs; Vision – all starting at one life, Voluntary Medical Serving: AZ, CA, ID, OR, NV, TX, UT, WA –––––––––– Americal Advanced Insurance Solutions, LLC 1964 Westwood Boulevard, Suite 120 Los Angeles, CA 90026 Contact: Gene Tapper (310) 441-5699 ext. 169 (866) 311-2656 ext. 169 Fax: (310) 441-5660 email: gtapper@americalltc.com Website: www.americalltc.com Website: www.ltc411.com Products: LTC Serving: Nationwide –––––––––– American Capital Security Corp. Paradigm Insurance Marketing Contact: Paul D. Kaplan, CLU 31255 Cedar Valley Dr. , Ste. 311 Westlake Village CA 91362 (818) 380-0034 (800) 822-7251 Fax: (818) 706-0203 email: paul@paradigmins.com Website: www.paradigmins.com Products: Annuities (ind.); Disability Income, 419(e) single employer post-retirement medical reimbursement plan; Life (Indexed Universal Life, special risk, survivor, term, universal life); Long-Term Care Insurance Serving: CA –––––––––– American Insurance Brokers Inc. Contact: Brett Bennett 23251 Mulholland Dr. Woodland Hills, CA 91364-2732 (818) 591-8700 (800) 669-8700 Fax: (818) 591-8722 email: bbennett@aib4insurance Website: www.aib4insurance.com Products: Dental (ind., group); Health (group); Vision Serving: CA –––––––––– Ancillary Markets Toste & Associates Contact: Phil Toste, Gary Smith 738 N. First St., Suite 101 San Jose, CA 95112 (408) 277-0226 (800) 868-6783 Fax: (408) 277-0237 email: phil@ancillarymarkets.com Website: www.ancillarymarkets.com Products: Health (ind., Medicare supplement); Dental (group, ind.), Life (group) Serving: N. CA –––––––––– The Annuity Store Contact: Jim Green 1451 River Park Drive, Suite 130 Sacramento, CA 95815 (916) 924-9601 (800) 825-6094 FAX: (916) 924-0670 email: jim.g@theannuitystore.com Website: www.theannuitystore.com Products: Annuities (traditional fixed & fixed-indexed); Life (single premium, indexed, term, whole life); Multi-Year Guarantees, SPIAs Serving: Nationwide –––––––––– Applied General Agency Contact: Natalie Birchard 92807 1040 N. Tustin Ave. Anaheim, CA 92807 (714) 630-2801 (800) 498-6880 Fax: (800) 630-6344 Fax: (714) 630-1085 email: nbirchard@appliedga.com Website: www.appliedga.com Products: Annuities; Critical Illness; Final Expense; Health (ind.); Life; Medicare Advantage; Medicare Supplement Serving: Nationwide –––––––––– Assets Unlimited Inc. Contact: Bill Metzger 1901 S. Bascom Ave., Ste. 1005 Campbell, CA 95008 (408) 879-3850 Fax: (408) 879-3855 email: wmetzger@hr-consult.com Website: www.hr-consult.com Products: AD&D; Cafeteria Plans; Chiropractic Benefit; COBRA Compliance; Critical Illness; Dental (ind., group); Disability (ind., group); Health (group, HSA, ind., integrated plans, international major medical, Medicare bridge, short-term major medical, Medicare supplement, prescription drug card); Life (group term, living-payout-option, special risk, survivor, term, universal life, whole life); LTC, Pension (401[k], pension plans/profit sharing); Vision Serving: West Coast –––––––––– Association of Chamber Members Contact: Chris Anderson 231 E. Alessandro Blvd. #A359 Riverside, CA 92508 (951) 215-0420 Fax: (951) 780-2958 email: chris@ccsbinsurance.com Products: Dental (group); Health (ind.) Serving: CA –––––––––– Backnine Insurance Services Contact: Reid Tattersall 310 N. Westlake Blvd., #240 Westlake Village, CA 91362 (800) 790-1951 Fax: (805) 557-1503 Email: reid@back9ins.com Website: www.back9ins.com Products: Annuities, Disability; Life (term, universal, whole life, secondary, survivorship); LTC; Life with Living Benefits; Section 79 –––––––––– Barry J. Fisher Insurance Marketing Contact: Barry J. Fisher 7343 El Camino Real. Ste. 350 Atascadero, CA 93422 (818) 444-7730 (888) 279-3591 Fax: (818) 337-7133 email: barry.fisher@bordenhamman.com Website: www.bjfim.com Products: Traditional and Linked LTCi, Term, UL, WL, Long Term Disability, Critical Illness Serving: Nationwide –––––––––– Bay River Insurance Services Contact: F. Thomas Biglione, CLU ChFC 1501 El Camino Ave., Ste. 1 Sacramento, CA 95815 1922 The Alameda, Ste. 102 San Jose, CA 95126 895 E. Yorba Linda Blvd., Ste. 201 B Placentia, CA 92870 (866) 252-2977 Cell: (209) 601-2724 Fax: (888) 957-2977 email: tom@rvfis.com Website: www.bayriverins.com Products: Annuities (ind., group); Cancer; Critical Illness; Disability (individual); Life; LTCI; Pension (401[K]); 412(e)(3), AD&D, Life (term); Life (universal); Life (survivor); Life (guar issue); Life (living payout option); Life (policy exchange); Charitable Giving Programs; Single Premium Whole Life; Pension/Profit Sharing; Variable UL –––––––––– Beere & Purves, Inc. Contact: Jennifer Lisanti 1350 Treat Blvd., Ste. 470 Walnut Creek, CA 94597 (888) 722-3373 Fax: (925) 975-0661 email: jlisanti@beerepurves.com Website: www.beerepurves.com Products: Dental (group); Health (group); Life (group); Vision (group) Serving: CA ––––––––– Belair Insurance Services Inc. Division of Sikov Insurance Services Inc. Contact: Barry A. Sikov 522 S. Sepulveda Blvd., Ste. 207 Los Angeles, CA 90049-3539 (310) 476-9720 Fax: (310) 476-9731 email: insurer9@aol.com Website: www.belairinsuranceservices.com Products: Acupuncture, Cafeteria Plans; Cancer; Chiropractic; COBRA Compliance; Dental (ind., group); Disability (ind., group); Health (ind., HSA, group, international major medical, PDP’s, Medicare supplement, Medicare Advantage, short-term major medical); Life (group term, survivor, term, universal life, variable); LTCi; Vision, Workers’ Comp Serving: AR, CA, DC, FL, MD, MS, MO, MT, NJ, NM, NV, NY, OH, OR, PA, TX, AND UT –––––––––– Benefitmall (NorCal) Contact: John Bobincheck 1000 Burnett Avenue, Ste. 440 Concord, CA 94520 (925) 969-3200 (800) 354-6926 (877) 230-8160 email: John.Bobincheck@benefitmall.com Website: www.benefitmall.com Products: COBRA; Dental (group, ind.); Disability; Health (group, ind.); Life; Medicare Advantage; Medicare Supplement; Payroll; PDP; Vision Serving: Nationwide –––––––––– Benefitmall (Central CA) Contact: Casey Allen 6200 Canoga Avenue, Suite 300 Woodland Hills, CA 91367 (818) 348-1200 (800) 877-0101 Fax: (818) 226-6599 email: Casey.Allen@benefitmall.com Website: www.benefitmall.com Products: COBRA; Dental (group, ind.); Disability; Health (group, ind.); Life; Medicare Advantage; Medicare Supplement; Payroll; PDP; Vision Serving: Nationwide –––––––––– Benefitmall (SoCal) Contact: Jeff Miller 500 North State College Blvd., Ste. 700 Orange, CA 92868 (714) 940-1140 Fax: (714) 940-1198 (800) 966-3791 email: Jeff.Miller@benefitmall.com Website: www.benefitmall.com Products: COBRA; Dental (group ind.); Disability; Health (group, ind.); Life; Medicare Advantage; Medicare Supplement; Payroll PDP; Vision Serving: Nationwide –––––––––– Ben-E-Lect Contact: Marketing Department 5429 Avenida de Los Robles, Ste. A Visalia, CA 93291 (559) 733-1240 Fax: (559) 635-6527 Website: www.benelect.com Products: Cafeteria Plans; Debit Card; Dental (group); EOB Concierge; Health (consumer-driven, group, HRA, HSA MERP, integrated plans, self-funded administration); HR; Life (group); Payroll; Vision; Web Portal; Serving: AZ, CA, CO, KS, NV, WA –––––––––– Benefits Store Inc. Contact: Roger Smith (800) 446-2663 Fax: (925) 855-2051 email: roger@benefitsstore.com Website: www.benefitsstore.com Products/Services: Section 125; Health (ind., group); medial, dental, vision, Covered CA Serving: Nationwide –––––––––– Berbower Ins. Agency & Brokerage Contact: Mark Berbower 5651 N. Pershing Ave., Suite C-5 Stockton, CA 95207 (209) 405-1088 Fax: (866) 489-0046 email: mark@BerbowerInsurance.com Website: www.BerbowerInsurance.com Products: Annuities (group, ind.); Dental (group, ind.); DI (disability income); Health (group, ind.); Life (single premium whole life, term, universal life, whole life); LTC Serving: CA –––––––––– Best Life and Health Insurance Company Contact: Jennifer Bolton, VP of Sales and Marketing 2505 McCabe Way Irvine, CA 92614-6243 (888) 210-BEST (800) 237-8543×169 Fax: (949) 222-2169 email: jbolton@bestlife.com Website: www.besthealthplans.com Products: Dental (group, PPO & indemnity); Life (group term, guarantee issue); Vision (PPO & Indemnity) Min. Case Size: 2 Serving: 39 States –––––––––– Best Re Life and Health Insurance Company Contact: Laurie Munsey 2505 McCabe Way Irvine, CA 92614-6243 (877) 868-5775 Fax: (208) 893-5040 email: lmunsey@bestlife.com Website: www.bestlife.com Products: dental, vision, life, short term DI Serving: Nationwide –––––––––– BGA Insurance Contact: Danielle Geissler 3300 Irvine Ave., #320 Newport Beach, CA 92660 (949) 955-0255 Fax: (949) 955-9215 email: info@BGAInsurance.com email: DanielleG@BGAInsurance.com Website: www.BGAInsurance.com Products: Annuities (ind., Group); Life (Charitable Giving Programs, Group term, guaranteed issue, living payout option, policy exchange, single premium whole life, special risk, survivor, term, universal life, variable life, whole life); LTC Serving: Nationwide —————— Bill Proctor & Associates Insurance Inc. Contact: Bill Proctor 42800 Bob Hope Dr., Ste. #209B Rancho Mirage, CA 92270 (760) 568-5348 • (855) 568-5348 Cell: (760) 851-4552 Fax: (760) 568-3309 email: bill@proctor-insurance.com Website: www.proctor-insurance.com Products: AD&D; Annuities (ind., group contract); Cafeteria Plans; Cancer; Chiropractic; COBRA Compliance; Critical Illness; Dental (ind., group); Disability (ind., group); Financial Planning; Health (ind., integrated plans, international major medical, HSA, Medicare bridge, Medicare supplement, short-term major medical); Life (group term, guaranteed issue, living payout option, single premium whole life, survivor, term, universal life, whole life); LTC; Pension (pension plans/profit sharing, 401[k]); Prescription Drug Card; Vision; Workers’ Comp; Worksite Marketing Serving: CA –––––––––– Brokers Marketing Services Inc. Since 1970 Contact: Earle Robinson 3234 Corinna Drive Rancho Palos Verdes, CA 90275 (800) 870-8702 • (310) 793-8808 Fax: (310) 793-8816 email: info@bmsmarket.com Website: www.bmstoolkit.com Products: Long Term Care, Life, Disability, Annuities, Final Expense, Pension (401[k]), Special programs and Training in LTC, private banks Serving: Nationwide –––––––––– Brown & Associates Contact: Michael B. Brown, FLMI, LUTCF 24012 La Chiquita Dr. Mission Viejo, CA 92691 (949) 770-7679 email: MB2email@cox.net Products: Group and Individual Medical, Dental, Vision, Life and Disability Serving: Nationwide & International –––––––––– Bryson Financial Contact: Trent Bryson 3777 Long Beach Blvd., 5th Floor Long Beach, CA 90807 (562) 435-4267 Fax: (562) 435-5639 email: trent@brysonfinancial.com Website: www.brysonfinancial.com Products: AD& D; Dental (ind., group); Disability (ind.); Employee Benefits, Financial Planning, Health (Group. ind., international major medical, HSA, Medicare supplement, short-term major medical); Life (charitable-giving programs, group term, living payout option, single premium whole life, special risk, survivor, term, universal life, variable, whole life); LTC; Pension (pension plans/profit sharing, 401[k]); Vision Serving: Nationwide –––––––––– BSI Insurance Services, Inc. Contact: Jim Cerf 421 Petaluma Boulevard North Petaluma, CA 94952 (707) 778-8581 (800) 972-1474 Fax: (707) 778-0836 email: bsi4ltc@pacbell.net Products: Annuities; Life Insurance (term, universal life); Long Term Care Insurance traditional and linked Serving: Nationwide –––––––––– California Guardian Brokerage Offices throughout California 333 North Indian Hill Blvd. Claremont, CA 91711 (800) 775-1970 For proposal requests, sales tools and brochures email: ani_manukyan@pacificadvisors.com Products: Disability (Individual, Business and Guaranteed Standard Issue); Life: Term, Universal, Multi-Life and Whole Life Serving: CA –––––––––– California Long Term Care Insurance Services, Inc. Contact: Louis Brownstone, James Grauel 1601 Bayshore Hwy., Ste. 360 Burlingame, CA 94010 (650) 692-5202 (800) 303-1527 email: louis@cltcinsurance.com email: jim@cltcinsurance.com Website: www.californialongtermcare.com Products: LTC, Linked-LTC, Critical Illness Serving: Nationwide –––––––––– The Camden Insurance Agency (an Affiliate of Vision Plan of America) Contact: Phil Needleman 3255 Wilshire Blvd., Ste. 1610 Los Angeles, CA 99010 (800) 400-4VPA Cell: (760) 812-0491 Fax: (213) 384-0084 email: phil@thecamden.com email: Arneil@thecamden.com Website: www.visionplanofamerica.com Products: Vision (ind., group, Employee paid and voluntary HMO, PPO); Dental (ind., group, HMO, EPO, PPO) Serving: Nationwide –––––––––– Capitas LTC Contact: Rich Kupetsky, CLTC President 500 La Terraza Blvd., Ste. 150 Escondido, CA 92025 (877) 800-LTCI ext. 218 Email: rich.kupetsky@capitasfinancial.com Website: www.capitasltc.com Products: LTC Serving: Nationwide ––––––––– Carmichael Associates Contact: Stan Carmichael 2535 Townsgate Rd., Ste. 213 Thousand Oaks, CA 91361 (805) 379-9374 Fax: (805) 379-1585 email: mail@carmicassoc.com Website: www.carmichaelassociates.com Products: Annuities (ind. Variable); Health (group, ind., integrated plans, Medicare bridge, Medicare supplement, self-funded); Life (secondary market for life insurance), LTC, DI Serving: Nationwide –––––––––– Cassani & Associates Insurance Services Inc. Contact: Louis J. Cassani, Joe Cassani 1391 Redondo Ave. Long Beach, CA 90804 (562) 597-1919 (800) 388-5429 Fax: (562) 597-3292 email: joe@cassaniinsurance.com Website: www.cassaniinsurance.com Products: Annuities, Disability, Life (UL, IUL, term, whole, Special Risk Underwriting), LTC Serving: Nationwide –––––––––– Cavalier Associates Contact: Justin Smith 2801 Townsgate Rd., Ste. 350 Westlake Village, CA 91361 (800) 350-2019 Fax: (805) 371-4899 email: justin@cavalierassociates.com Website: www.cavalierassociates.com Products: Annuities (ind.,variable); Disability; Life (term, universal life, survivor, whole life) Serving: CA –––––––––– C.C.S.B Insurance Administrators Contact: Chris Anderson 231 E. Alessandro Blvd., # A359 Riverside, CA 92508 (951) 215-0420 Fax: (951) 780-2958 email: chris@ccsbinsurance.com Products: Dental (group); Health (ind., group); Billing Services Serving: CA –––––––––– Cenco Insurance Marketing Corporation Contact: John Pittman 1501 El Camino Ave., Ste. 1 Sacramento, CA 95815 (916) 920-5251 Fax: (916) 920-8734 email: john@cencoinsurance.com Website: www.cencoinsurance.com Products: Annuities (ind.); Disability (ind.); Life (indexed life, survivor, term, universal life, whole life); LTC Serving: Northern & Central CA –––––––––– Chimienti & Associates Insurance Services Contact: Toney Chimienti 3400 Mineral King, Ste. B Visalia, CA 93291 (877) 733-1670 Fax: (559) 733-8058 e-mail: info@chimienti.com Web: www.chimienti.com Products: Medical GAP Plans, PremiumSaver AKA the insured HRA, Gurantee Issue Voluntary Disability, Criticall Illness, Accident, Dental, Vision, Life (term, UL, WL); COBRA-HSA-HRA-Sec. 125 Administration Services: Internet based Employee Benefits Enrollment with Billing & Eligibility Management Technology, includes Self Serve with Chat session and Call Center enrollment. Serving: 40 States –––––––––– Claremont Insurance Services Contact: Michael Traynor 2999 Oak Rd., Ste. 810 Walnut Creek, CA 94597 Phone: (800) 696-4543 Direct: (925) 296-8800 Fax: (925) 588-2425 email: michael@claremontcompanies.com Website: www.claremontcompanies.com Products: Cafeteria Plans, COBRA Compliance, Dental (group); Disability (Group); Health (group); Life (term, universal, whole life); Section 125 (FSA, POP, HSA); Vision Serving: N. CA –––––––––– Clock Insurance and Financial Solutions Contact: Marvin Cohen 21 West Laurel Dr., #71 Salinas, CA 93906 (831) 442-5511 Fax: (831) 442-5611 email: marvin@yourlifeandhealth.com Website: www.yourlifeandhealth.com Products: Cafeteria Plans, Cancer, Dental (ind., group); Disability (ind., group); Health (ind., group); Life (group term, living payout option, term, universal life, whole life); LTC, Vision, Worksite Marketing Serving: Central Coast CA, Monterey, Santa Cruz, San Benito, Santa Clara & San Luis Obispo Counties –––––––––– CNMA Multi-Insurance Agency 895 E. Yorba Linda Blvd., Ste. 202-A Placentia, CA 92870 (714) 552-3993 Fax: (714) 978-0518 Contact: Radi Miranda, LUTCF email: cnmainsurance@aol.com Website: www.cnmainsurance.com Products: Critical Illness, Guaranteed Issue Life, Disability (Group, Individual), International Major Medical, Travel Insurance –––––––––– CMG Insurance Services Contact: Cheri Murphy-Geary 2933 Gold Pan Court, Ste. E Rancho Cordova, CA 95670 (916) 858-1600 Fax: (916) 858-1607 email: cmgins@aol.com Products: Cafeteria Plans; Chiropractic; Dental (ind., group); Disability (ind., group); Health (ind., group, HSA, Medicare Part D, Medicare supplement, payroll, prescription drug card, self-funded, short-term major medical); Life (group term, term, universal life, whole life); Medicare Part D; Payroll; Vision; Worksite Marketing Serving: Sacramento & Bay Area, N. CA –––––––––– Coastal Financial Partners Group Contact: Jerry Vandezanden 9665 Wilshire Blvd., Ste 430 Beverly Hills, CA 90212 310-788-3805 Fax: 310-788-3997 Email: jerry@coastalfpg.com Website: www.coastalfinancialpartnersgroup.com Products: Annuities (ind., group contacts, variable); Cafeteria Plans; Critical Illness; Dental (group); Disability (ind. group); Financial Planning; Health (group); 401(k); Life (group term, guaranteed issue, policy exchange, special risk, survivor, term, universal, variable, whole); LTC; Prescription Drug Card; Pension/Profit Sharing; Vision; Worksite Marketing Service Area: offices in CA with Service Nationwide. –––––––––– Cory Stepanek CLTC (Genworth Financial) Suncoast Office Contact: CORY STEPANEK 2888 Loker Ave. East, Suite 210-D Carlsbad, CA 92010 (760) 752-1935 Fax: (760) 358-0011 email: cstepanek@genworthltc.com Website: www.genworth.com/suncoast Products: Annuities (fixed); Life; Long Term Care Serving: Nationwide –––––––––– CPS Insurance Services Contact: Raymond McMannis – EVP New Business 4400 MacArthur Blvd. 8th Floor Newport Beach, CA 92660 (949) 863-0700 (800) 326-LIFE Fax: (949) 225-7199 email: rmcmannis@cpsinsurance.com Website: www.cpsinsurance.com Products: Life, Annuities, LTC, Disability Serving: Nationwide –––––––––– CPS Sacramento/Long Insurance Services Contact: David Long 1610 Arden Way, Ste. 135 Sacramento, CA 95815 (916) 481-6290 (800) 922-6290 Fax: (916) 481-6365 email: marketing@cpssac.com Website: www.cpssac.com Products: Annuities (ind., variable); Critical Illness, Disability (ind.); Health (ind.); Life (charitable-giving programs, group term, single premium whole life, special risk, survivor, term, universal life, variable life, whole life); LTC, Pension (pension plans/profit sharing) Serving: Nationwide –––––––––– CPS/Integrated Marketing & Insurance Services Contact: Parks LaMarche 8447 Miramar Mall, Ste. A San Diego, CA 92121 (858) 535-9444 (800) 776-4647 Fax: (858) 535-0560 email: parks@cpsimis.com Website: www.cpsimis.com Products: Annuities (ind.); Life (guaranteed issue, policy exchange, single premium whole life, special risk, term, universal life, whole life); LTC Serving: San Diego & Nationwide –––––––––– CPS-Ron Viola Insurance Services Contact: Ron Viola 950 Los Osos Valley Rd., Ste. C Los Osos, CA 93402 (805) 597-3608 (800) 640-7770 ext. 608 Fax: (805) 597-3609 email: ron@ronviola.com Website: www.ronviola.com Products: Annuities (ind.); Critical Illness; Life (guaranteed issue, policy exchange, single premium whole life, special risk, survivor, term, universal life, index universal life, whole life, secondary market for life insurance) Serving: Nationwide –––––––––– Cypress Dental and Vision Contact: Sales 7510 Shoreline Dr. , Ste. A-1 Stockton, CA 95219 (800) 350-3989 Fax: (209) 478-5614 email: sales@cypressadmin.com Website: www.cypressadmin.com Products: Dental (group, ind.); Vision (group) –––––––––– David W. White Associates Contact: Donald L. Thomas 3150 Crow Canyon Place, Ste. 200 San Ramon, CA 94583 (925) 277-2660 Fax: (925) 277-2601 email: dthomas@dwassociates.com Website: www.dwassociates.com Products: Dental (ind., group); Disability (ind., group); Health (ind., group); LTC Serving: San Francisco Bay Area –––––––––– Dealey Renton and Associates Contact: W. Ron Barnett, Kym Hopwood P.O. Box 12675, Oakland, CA 94604 (510) 465-3090 Fax: (510) 452-2193 email: rbarnett@insdra.com email: khopwood@insdra.com Website: www.dealeyrenton.com Products: Cafeteria Plans; Chiropractic; Dental (group); Disability (ind., group); Health (ind., group); Life (group term, term, universal life); LTC; Pension (pension plans/profit sharing, 401[k]); Vision Serving: CA –––––––––– DI Broker West Contact: Southern CA – Paul Sitar 16325 SW Boones Ferry Rd., Suite 101 Lake Oswego, OR 97035 Contact: Northern CA – Iain MacDonald 145 Corte Madera Town Center, Ste. 140 Corte Madera, CA 94925 (877) 636-2112 Fax: (866) 434-2757 email: paul.sitar@dibrokerwest.com email: iain.macdonald@dibrokerwest.com Website: www.dibrokerwest.com Products: Critical Illness; Disability (Ind.); LTC Serving: Nationwide –––––––––– DI & LTC Insurance Services Contact: Jack B. Schmitz 4302 Redwood Hwy, Suite 400 San Rafael, CA 94903 (415) 472-4800 (800) 924-2294 Fax: (415) 472-7637 email: jack@di-ltc.com Website: www.di-ltc.com Products: Critical Illness; Disability (ind., group); LTC; Worksite Marketing Serving: Northern CA and Nationwide –––––––––– Dickerson Employee Benefits Insurance Services Authorized General Agent Benefits Consulting, Property & Casualty Contact: James Travis, VP Sales 1918 Riverside Dr. Los Angeles, CA 90039 (800) 457-6116 Fax: (323) 805-2937 email: sales@dickerson-group.com website: www.TheBrokersGA.com Products: Acupuncture; Cafeteria Plans/Sec. 125; Cancer; Chiropractic; Consult a Doctor; Dental (ind., group); Disability (group); Health (ind., group – small, mid & large, integrated plans, Medicare supplement, short-term major medical); HRConnect; Life (group-term, term); LTD; STD; Payroll; PEO; Vision (ind., group); Workers’ Comp.; Voluntary Benefits; Alternative Funding; Worksite, Wellness and other business services. Serving: California – All Products; Nationwide – P&C, Risk Management (Except HI, ME) Serving: Nationwide (Except HI, ME) –––––––––– Direct Benefits Inc. Contact: Tom Mayer 325 Cedar Street, Ste. 800 St. Paul, MN 55101 (651) 649-3503 (800) 620-5010 Cell: (612) 708-8448 Fax: (651) 649-3502 email: tom@directbenefits.com Website: www.directbenefits.com Products: Dental, Disability, Life and Vision Serving: Nationwide –––––––––– Disability Insurance Services Inc. Contact: Daniel C. Steenerson 4444 Zion Avenue San Diego, CA 92120-2349 (619) 284-8444 (800) 898-9641 Fax: (619) 325-8444 email: quotes@diservices.com Website: www.DIServices.com Products: Disability (ind.) Serving: Nationwide –––––––––– Disability Insurance Resource Center Contact: Larry Schneider P.O. Box 21243 Albuquerque, NM 87154 (505) 299-5566 (800) 551-6211 Cell: (703)615-4747 Fax: (505) 299-7788 email: info@di-resource-center.com Website: www.di-resource-center.com Products: Disability (group, ind.); Denied Claims; Expert Witness Consultant (hard-to-place, declined) Serving: Nationwide –––––––––– Dunhill Marketing & Insurance Services Inc. 2341 5th Ave. San Diego, CA 92101 (619) 578-7800 (800) 659-1349 Fax: (619) 578-7819 email: info@dunhillinsurance.com Website: www.dunhillinsurance.com Products: Advanced Markets; Annuities (F.I.A. and multi-year guarantee); Disability (medical director on staff); Estate Planning; 401(k); Life (charitable giving programs, group term, guaranteed issue, living payout option, policy exchange, single premium whole life, special risk, survivor, term, universal life, whole life, life settlements); LTC; Pension Plans Serving: Nationwide –––––––––– Easy Insurance Marketing Inc. Contact: Connie Zarkowski/ Greg Halloran 4333 Park Terrace Dr. #120 Westlake Village, CA 91361 (805) 379-0590 ext. 4 Fax: (805) 379-1292 email: easy@west.net Website: www.easyinsurance.net Products: Compliance; Dental (ind., group); Disability (ind., group); Health (ind., group, international major medical, Medicare supplements, self-funded, short-term major medical); Prescription Drug Card, Vision Serving: CA –––––––––– Edwards-Glick Insurance Marketing Contact: Edward Glick 23530 Lull St. West Hills, CA 91304 (818) 996-9696 Fax: (818) 888-3033 email: edglick@eginsurance.net Website: www.eginsurance.net Products: Critical Illness, dental (ind.), Health (ind, medicare supplement, short-term major medical), Life (term, policy exchange, survivor, universal life, whole life), LTC Serving: CA –––––––––– Emerson Reid 5200 N. Palm Ave., Ste. 114 Fresno, CA 93704 (800) 780-0815 (559) 666-2001 Fax: (866) 972-7492 Website: www.emersonreid.com Products: Dental (voluntary); Health (group, HSA); Dental (group); Vision (group); Disability (long-term, short-term); Employee Assistance Program; Life (group, individual); Disability (long-term, short term); LTC (individual) Serving: CA, NY, PA, NJ –––––––––– E Pro Insurance Agency, LLC Personalized Retirement Options Contact: Erica L. Salda. CSA, CAS 463 Los Feliz Dr. Santa Barbara, CA 93110 (805) 679-3776 FAX: (805) 679-3776 email: erica@EPROinsuranceagency.com website: www.eproinsuranceagency.com Products: Annuities (group, individual); Disability; Health (group, individual, medicare bridge, medicare supplement, short term major medical); Life (charitable giving programs, group term, individual term, guaranteed issue, premium finance ind., secondary market for life, second to die, single premium whole life, universal, whole life); Long Term Care; Prescription Drug Card Serving: Nationwide –––––––––– Equote Contact: Richard Wira 2731 Shelter Island Dr., Ste. A San Diego, CA 92106 (619) 222-7212 (800) 354-1666 Fax: (619) 221-8545 email: staff@equote.com Website: www.equote.com Products: : AD&D; Annuities (group, ind.); Critical Illness; Disability (group, ind.); Life (charitable-giving programs, group term, guaranteed issue, living payout option, policy exchange, secondary market for life, single premium whole life, special risk, survivor, term, universal life, whole life); Pension (401[k]); LTC Serving: Nationwide –––––––––– Fairlane Financial Corp. Contact: Marketing 1200 S. Pine Island Rd., Ste. 100 Ft. Lauderdale, FL 33324 (800) 327-1460 Fax: (954) 476-0051 email: info@888fairlane.com Website: www.888fairlane.com Products: Annuities (ind.) Serving: Nationwide –––––––––– Foulds & Feldmann Health Insurance Agency Contact: Maureen Feldmann, Randy Foulds 78370 Highway 111, Ste. 100 La Quinta, CA 92253 (760) 777-9400 Fax: (760) 346-4727 email: maureen@feldmanninsurance.com email: randy@feldmanninsurance.com Products: Advantage Plans; LTC; Medicare Supplements; Individual Health; Part D Prescription Plans Serving: Riverside County –––––––––– Financial Grade Senior Consultants Contact: Pete Blasi 225 Broadway #1510 San Diego, CA 92101 (619) 595-0937 Fax: (866) 436-4713 email: info@financialgrade.com Website: www.financialgrade.com Products: Health (Medicare Supplement); Life (Guaranteed Issue) LTC; Medicare Advantage; Prescription Drug Plans; Serving: Nationwide —————— Financial Professionals Group Contact: William T. Wright 26501 Rancho Parkway South # 102 Lake Forest, CA 92630 949-455-0119 877-455-0119 Fax: (949) 455-0113 Email: wwright@fpgonline.com website: www.fpgonline.com Products; Life (special risk, survivor, term, universal life, variable life, whole life); Long Term Care Serving: Nationwide –––––––––– First Eagle Insurance Services Contact: Vic Vartanian 333 S. Central Ave., Ste. 101 Glendale, CA 91204 (818) 500-1771 (800) 447-4999 Fax: (818) 500-1855 email: vic@hipi999.com Website: www.healthinsuranceplaninfo.com Products: Dental (ind, group); Health (group, ind., int. major medical, MSAs, medicare bridge, medicare supplement, short term major med.) Vision Serving: Nationwide –––––––––– First Resource Insurance Services, Inc. Contact: Susan J. Edwards, CLU, ChFC 555 Saturn Blvd., Ste. 512 San Diego, CA 92154 (858) 320-9941 Cell: (619) 392-3315 Fax: (858) 320-9945 email: sueewards@firstresourceins.com Products: Annuities (ind.); Disability (ind.); Life (ind., estate/trust, executive, 1035 policy exchange, universal, term, whole life); LTC (Traditional and linked benefits) –––––––––– Flemings Insurance Services Contact: Hal L. Flemings 3198 Willow Tree Lane Escondido, CA 92027 (760) 690-2167 (800) 310-8228 Fax: (760) 690-2173 email: halflemings1@juno.com Website: www.flemingsinsurance.com Products: AD&D; Annuities (ind., group); Cafeteria Plans; Cancer; Chiropractic; Critical Illness; Dental (ind., group); Disability (ind., group); Health (ind., group, HSA, integrated plans, international major medical, Medicare bridge, Medicare supplement, self-funded, short-term major medical); Life (group term, guaranteed issue, policy exchange, single premium whole life, special risk, survivor, term, universal); LTC; Pension (pension plan/profit sharing, 401[k]); Vision; Workers’ Comp; Worksite Marketing Serving: S. CA , OK, KS, MI, TX –––––––––– Flextoday, Inc. Contact: Kathleen Hopper 191 W Shaw Ave., Ste. 101 Fresno, CA 93704 559-432-6800 (800) 995-5373 (559) 432-6220 email: Kathleen@FlexToday.com Website: www.FlexToday.com Products: Cafeteria (FSA/Flex) Plans; Health Reimbursement Arrangements (HRA); HSAs; Commuter Choice Benefits; Custom Welfare and Wellness Programs; COBRA Compliance Administration; Retiree Billing and Direct Premium Billing; Note: FlexToday does not sell products Serving: Nationwide –––––––––– FSD Financial Services Contact: Jeff Affronti 5530 Corbin Ave., Ste. 101 Tarzana, CA 91356 (818) 881-6970 (800) 373-9697 Fax: (818) 881-6973 email: jeff@fsdfinancial.com Website: www.fsdfinancial.com Products: Annuities (group, ind.); Life (term, universal, whole) Serving: Most of the U.S. –––––––––– GBS Ins. and Financial Services (dba: Flynn Associates Insurance Marketing Inc.) Contact: George Cox/Area Vice President 21600 Oxnard St., Ste. 650 Woodland Hills, CA 91367-5069 (818) 854-3003 (800) 473-5966 Fax: (818) 737-9103 LTC Hdqtrs: (818) 854-3034 Fax: (818) 854-3100 email: gcox@flynnassociates.com Website: www.flynnassociates.com Products: Annuities (ind.); Critical Illness; Disability (ind.); Health (international major medical); Life (guaranteed issue, policy exchange, single premium whole life, special risk, survivor, term, universal life, whole life, life settlements); LTC; Specialty Markets. Serving: Nationwide –––––––––– General Agency Insurance Development Services (GAIDS) 8901 W. Olympic Blvd. Beverly Hills, CA 90211 (310) 657-0100 (800) 695-4424 Fax: (310) 652-0305 email: insure@gaids.com Website: www.gaids.com Products: Cancer Insurance; Critical Illness; Health (Medicare Advantage, Medicare Part D RX, Medicare Supplement, international major medical, short-term major medical); Life (final expense, term); LTC Serving: CA, AZ, NV & OR –––––––––– Gordon Gladstone Associates Contact: Gordon Gladstone 18401 Burbank Blvd., Ste 225 Tarzana, CA 91356 (818) 342-9400 Fax: (818) 342-8488 email: jgladstone@earthlink.net Products: Critical Illness; health (ind, group), disability (ind, group), LTC, Life (term, universal), LTC Serving: CA –––––––––– Group Benefits Inc. Contact: Gordon Silverstein 3255 Wilshire Blvd., Ste. 1850 Los Angeles, CA 90010 (213) 380-5812 (800) 242-1120 Fax: (213) 383-0126 email: gsilverstein@triadinsurancegroup.com Website: www.triadinsurancegroup.com Products: AD&D; Acupuncture; Annuities (ind., variable, group contract); Cafeteria Plans; Cancer; Chiropractic; Dental (ind., group); Disability (ind., group); Financial Planning; Health (group, integrated plans, Medicare bridge, HSA, ind., international major medical, Medicare supplement, Medicare bridge, short-term major medical, self-funded); Life (charitable-giving programs, group term, guaranteed issue, living payout option, policy exchange, single premium whole life, special risk, survivor, term, universal life, whole life, variable); LTC; Pension (pension plans/profit sharing, 401[k]); Prescription Drug Card; Vision; Workers’ Comp. (24 Hr. coverage); Worksite Marketing; California Choice Plan, Covered CA Serving: Nationwide –––––––––– Hartfield Financial & Insurance Services, Inc. Contact: Thomas, J. Hartfield 2731 Erringer Road Ste. 90 Simi Valley, CA 93065 (805) 522-5815 email: Tom@hartfieldfinancial.com Website: www.hartfieldfinancial.com Products: Annuities (ind.; Group; Variable); 401(k); Pension Profit Sharing; Financial Planning; Term; Universal Life,; Variable Life; Whole Life. Serving: California –––––––––– HD Mooers and Co. Contact: Jeff Mooers 3688 Mount Diablo Blvd. Lafayette, CA 94549 (925) 283-7310 (800) 303-7310 Fax: (925) 283-4768 email: jeffm@hdmooers.com Website: www.hdmooers.com Products: Annuities (ind.); Life (special risk, term, survivor) Serving: Nationwide –––––––––– Healthcare Producers Inc. Contact: John Enright 3312 30th Street San Diego, CA 92104 (619) 342-7200 ext. 2 email: john@healthcareproducers.com Website: www.healthcareproducers.com Products: Critical Illness; Health (group, ind.) Serving: AZ, CA, NV –––––––––– Healthinsurance.com Inc. Contact: Avery Smith 3030 S. Bundy Dr. Los Angeles, CA 90066 (310) 737-9300 ext. 217 (310) 390-1000 ext. 217 (800) 644-3491 Fax: (310) 737-9304 email: as@Kelsey.com Website: www.HealthInsurance.com Products: Health (small business, ind.) Serving: 47 States –––––––––– Highland Capital Brokerage Contact: David R. Braun, CLU 801 N. Brand Blvd., Ste. 330 Glendale, CA 91203 (800) 326-8151 (213) 417-4500 Fax: (213) 381-8176 Email: jpresutti@highland.com Website: www.highlandbrokerage.com Products: Annuities (ind, group, variable, 401(k), pension/profit sharing), disability (ind), financial planning, life (charitable giving programs, living payout option, policy exchange, single premium whole life, survivor, term, universal, variable, whole life, life settlements), ltc. Serving: CA –––––––––– IBP Insurance Services Contact: Peter Kuhn 175 Bernal Road Ste.100 San Jose, CA 95119 (408) 363-6004 Fax: (408) 363-6005 email: peter@ibpis.com Website: www.ibpis.com Products: Health (group, HSA); Dental (group); Life (group term); Disability (group); Pension (401[k]); Employee Communication; HRIS Serving: Nationwide –––––––––– Innovative Solutions Insurance Services LLC Contact: Lisa DiBugnara 200 N. Sepulveda Blvd., #900 El Segundo, CA 90245 (310) 851-8222 ext. 5198 (800) 551-8289 Fax: (310) 851-8211 email: ldibugnara@isislife.com Website: www.isislife.com Products: Annuities; Disability; Life; LTC Serving: Nationwide –––––––––– Insurance Resources Group Contact: Mehrdad Taghdiri 9744 Wilshire Blvd., Ste. 306 Beverly Hills, CA 90212 (310) 550-3300 (888) 224-4777 Fax: (310) 550-3390 email: sales@irginsurance.com Website: www.irginsurance.com Products: Specialize in substandard cases, over 60 carriers to choose; Annuities (fixed, index, variable); Disability; Life (index universal life, life settlement, term, universal life, whole life, variable life, single premium, second-to-die, simple issue, guarantee Issue); LTC; Premium Financing; Pension Serving: Nationwide and International –––––––––– Integrated Planning Solutions Contact: Michael L. Sandfrey Contact: Tammy Miledi 16654 Soledad Canyon Road, Ste. 294 Canyon Country, CA 91387 (661) 251-6992 (888) 371-1119 Fax: (661) 251-6914 email: msandfrey@ipsfinancial.com email: tammy@ipsfinancial.com Products: Disability (ind.) Serving: AZ, CA, NV –––––––––– ITG Worldwide Insurance Agency Contact: Stacy Wheeler Contact: Scott Maras 500 Professional Center Dr., Ste. 515 Novato, CA 94947 (877) 598-8646 Fax: (415) 373-0786 email: stacyw@itgworldwide.com email: scottm@itgworldwide.com Website: www.itgworldwide.com Products: Travel Medical Insurance; Business Travel Plan; Disability and AD&D; Global Medical Plans; International Employee Benefits; Life; LTD; Property & Casualty; Special Risk and War Zone Coverage Serving: Worldwide –––––––––– Jack Van Rossum Contact: Jack Van Rossum 23 Garden Park Dr. Chico, CA 95973 (530) 342-6915 Fax: (530) 342-6812 email: jrossum@sbcglobal.net Products: Financial Planning –––––––––– Jenkins Insurance Services Contact: John Connell 1390 Willow Pass Road., Ste. 800 Concord, CA 94524 (925) 822-9127 (800) 234-6363 Fax: (925) 609-5320 email: jconnell@jenkinsinsgroup.com Website: www.jenkinsinsgroup.com Products: Medical, PPACA and health and welfare compliance consulting, Health and Welfare Brokerage and Consulting, Critical Illness, Dental (group); Health (HSA, integrated plans, medical & 24 hrs., Medicare bridge, Medicare supplement, prescription drug card, self-funded admin., short-term major medical); Life (term, policy exchange, survivor, special risk, universal life, whole life, living payout option); LTC, Pension (401[k], pension plans/profit sharing); Vision Serving: West Coast and National Accounts –––––––––– J.K. Insurance Marketing Inc. Contact: Gary H. Johnson 1042 W. Hedding St., Ste. 241 P.O. Box 28100 San Jose, CA 95126 (408) 246-2701 (800) 221-7998 Fax: (408) 246-2733 email: ghjohnson@jkinsurance.com Products: Annuities (ind.); Disability ( ind .); Life (survivor, term, universal life, whole life); LTC Serving: Western US –––––––––– JLS F.I.R.M. Inc. Contact: Jeffrey Scheibner 28562 Oso Pkwy., D-526 Rancho Santa Margarita, CA 92688 (949) 481-4671 Fax (949) 481-4674 email: jlsfirm@cox.net Website: www.jlsfirm.com Products: AD&D; Annuities (group, ind.,variable); Cafeteria Plans; Chiropractic Benefit; Dental (group, ind.); Disability (group, ind.); 401(k); Health (group, HSA, ind., Medicare bridge, Medicare supplement, self-funded administration, short-term major medical, international major medical); Life (charitable-giving programs, group term, guaranteed issue, living payout option, policy exchange, secondary market for life, single premium whole life, survivor, term, universal life, variable life, whole life); LTC; Pension plans/profit sharing; Prescription Drug Card; Vision; Workers’ Comp Serving: S. CA –––––––––– John Hancock Financial Network Contact: Fred Johnson 2401 E. Katella Ave., Ste. 650 Anaheim, CA 92806 (714) 938-9300 ext. 130 Fax: (714) 938-9312 email: fjohnson@jhnetwork.com Website: www.Jhnetwork.com Products: Life (survivor, term, universal, variable); LTC Serving: California –––––––––– Jones Associates Financial & Insurance Services Inc. Contact: Douglas Jones Contact: Melissa Shaw 26477 Rancho Parkway South Lake Forest, CA 92630 (949) 699-1660 (800) 729-6344 Fax: (949) 699-1069 email: doug@jonesfinancial.com email: melissa@jonesfinancial.com Website: www.jonesfinancial.com Products: Annuities (ind., variable, group contract); Disability (ind.); Financial Planning; Life (special risk, survivor, term, universal life, variable, whole life); LTC; Pension (pension plans/profit sharing, 401[k]) Serving: Nationwide –––––––––– Knight & Associates Contact: John H. Knight 10636 Scripps Summit Court, Ste. 112 San Diego, CA 92131 (858) 271-1511 email: jknight@sagepointadvisor.com Products: Annuities(individual), Pension(Pension plans/Profit Sharing), Financial Planning Serving: CA –––––––––– Kouzmanoff Financial Insurance Services, Inc. Disability Insurance Specialists Contact: Gerald Kouzmanoff 2377 S. Crenshaw Blvd., Ste. 255 Torrance, CA 90501 (310) 792-7355 (800) 653-8003 Fax: (310) 792-7360 email: kfis@kouzfinancial.com email: gkouzmanoff@kouzfinancial.com Website: www.kouzfinancial.com Products: Disability (ind.); LTC Serving: Nationwide –––––––––– Landmark Senior Resources Insurance Service, Inc. Contact: Roy O. Brett 5339 Prospect Road, #419 San Jose, CA 95129 (408) 866-2655 Fax: (408) 866-7010 email: landmarkseniorresources@gmail.com website: www.landmarkseniorresources.com Products: Annuities, Life Insurance, Long Term Care Insurance Serving: Nationwide –––––––––– Larry A. Medeiros Financial & Insurance Services, Inc. Contact: Stacie La 2280 Sunrise Blvd., Ste. 142 Rancho Cordova, CA 95742 (800) 748-5538 Fax: (916) 473-7151 email: lamfinancial1@gmail.com email: stacie.la@comcast.net website: www.lmfinancial.com Products: Dental (ind.), Health (ind, Medicare supplement, short term major med), Life (term, universal, variable, whole life), LTC Serving: Nationwide –––––––––– LeClair Corporation Contact: Margaret LeClair 6701 Upper Afton Rd. St. Paul, MN 55125 (651) 739-2010 (877) 532-5247 Fax:(651) 739-3265 email: ml@leclairinsurance.com Website: www.leclairinsurance.com Products: Annuities (ind.); Cancer, Critical Illness; Dental (ind., group); Disability (ind., group); Health (ind., group, HSAs, Medicare supplement, short-term major medical); Life (special risk, term, universal life, whole life); LTC Serving: Nationwide –––––––––– Legacy Insurance Services Contact: Rick Andersen 17310 Wright St., Ste. 200 Omaha, NE 68130 (402) 493-3007 (800) 493-3007 Fax: (402) 493-3507 email: lis@legacyins.com Website: www.legacyins.com Products: Annuities (ind.); Life ( single premium whole life, survivor, term, universal life, whole life). Serving: Nationwide –––––––––– Leisure Werden & Terry Agency Contact: Victor Paz 200 S. Los Robles Ave., Ste. 200 Pasadena, CA 91101 (626) 304-1300 (800) 272-2212 Fax: (626) 304-1313 email: lwtbrokerage@lwtagency.com Website: www.lwtagency.com Products: Annuities (ind., group, variable); Pension (401[k]); Life (charitable, group term, guaranteed issue, policy exchange, survivor, term, universal, variable, life settlements); LTC Serving: Nationwide –––––––––– LGR Insurance Group Five Rings Financial LTCi Planners/Specialists Contact: Gay Rowan, CSA, CLTC 2647 Gateway Rd. #105-600 Carlsbad, CA 92009 (888) 995-8376 (760) 944-6380 Cell: (760) 420-1533 Fax: (760) 632-1533 email: gayrowan@lggroupltci.com Website: www.lgrgroupltci.com Products: LTC; Life; Annuities Serving: CA –––––––––– Life Insurance Settlements, Inc. 1500 West Cypress Creek Rd., Ste. 408 Fort Lauderdale, FL 33309 (866) 326-5433 ext. 1015 Fax: (954) 337-5731 email: Oleg@lisettlements.com Website: www.lisettlements.com Products: Free Policy Appraisal; Free E&O Coverage; Marketing & Compliance Available; Secondary Market for Life Insurance; Nationwide Assistance Available 24/7 Serving: Nationwide –––––––––– Lifepro Financial Services, Inc. Contact: Ben Nevejans 11512 El Camino Real, Ste. 100 San Diego, CA 92130 (888) 543-3776 Fax: (858) 259-1742 email: info@lifepro.com Website: www.lifepro.com Products: Annuities (indexed, fixed, ind., group, variable); Life (group term, guaranteed issue, single premium whole life, special risk, survivor, term, universal life, variable, indexed UL, whole life); LTC Serving: Nationwide –––––––––– LISI, The Best In Broker Sales Solutions – San Mateo Contact: Gary Myers, Desare’ Kallingal, Sandra Bealu, Shannon Carboni, Yuri Inda 1600 W. Hillsdale Blvd. San Mateo, CA 94402 866-570-LISI (5474) Fax: 800-336-4465 email: hweiler@lisibroker.com Web site: www.lisibroker.com Products: Acupuncture; Chiropractic, COBRA Compliance; Dental (group); Disability (ind., group); Health (group); Life (term, group term, universal life, variable); Workers’ Comp.; Worksite Marketing Serving: N. CA/Bay Area, Monterey and Santa Cruz. –––––––––– LISI, The Best In Broker Sales Solutions – Sacramento Contact: Panthia Smith, Ryan Esway, Quinn Casey 11050 Olson Drive, Ste. 220 Rancho Cordova, CA 95670 866-570-LISI (5474) Fax: 800-514-5474 email: hweiler@lisibroker.com Web site: www.lisibroker.com Products: Acupuncture; Chiropractic; COBRA Compliance; Dental (group); Disability (ind., group); Health (group); Life (term, group term, universal life, variable); Workers’ Comp.; Worksite Marketing Serving: Sacramento/North Bay. –––––––––– LISI, The Best In Broker Sales Solutions – Fresno Contact: Espy Turley, Peter Mehta, Jill White 30 River Park Place West, #100 Fresno, CA 93720 866-570-LISI (5474) Fax: 800-809-6168 email: Hweiler@lisibroker.com Web site: www.lisibroker.com Products: Acupuncture; Chiropractic; COBRA Compliance; Dental (group); Disability (ind., group); Health (group); Life (term, group term, universal life, variable); Workers’ Comp.; Worksite Marketing Serving: Fresno County and Bakersfield. –––––––––– LISI, The Best In Broker Sales Solutions – Los Angeles Contact: Frank Estrada, Jason Herbison, LaMonte Howard, Brett Murray, Scott Skratulia, Keith Naud, Christopher Guarino, Steve Borodkin 21700 Oxnard St., Ste. 440 Woodland Hills, CA 91367 866-570-LISI (5474) Fax: 800-624-1131 email: kdoyle@lisibroker.com Web site: www.lisibroker.com Products: Acupuncture; Chiropractic; COBRA Compliance; Dental (group); Disability (ind., group); Health (group); Life (term, group term, universal life, variable); Workers’ Comp.; Worksite Marketing Serving: Los Angeles, Ventura County, Santa Barbara and San Luis Obispo. –––––––––– LISI, The Best In Broker Sales Solutions – Orange Contact: Dan Galietto, Jeff Hoss, Laurie Wolbart, Michele Isaly, Eric Tapia, 2677 N. Main St., Ste. 350 Santa Ana, CA 92705 866-570-LISI (5474) Fax: 888-567-5598 email: Kdoyle@lisibroker.com Website: www.lisibroker.com Products: Acupuncture; Chiropractic; COBRA Compliance; Dental (group); Disability (ind., group); Health (group); Life (term, group term, universal life, variable); Workers’ Comp.; Worksite Marketing Serving: Orange County & Inland Empire. –––––––––– LISI, The Best In Broker Sales Solutions – San Diego Contact: Christina Diamantis, Susan Tomes, Javier Castaneda, Sunny Chamblee 3838 Camino Del Rio North, Ste. 310, San Diego, CA 92108 866-570-LISI (5474) Fax: 800-603-1992 email: Kdoyle@lisibroker.com Website: www.lisibroker.com Products: Acupuncture; Chiropractic; COBRA Compliance; Dental (group); Disability (ind., group); Health (group); Life (term, group term, universal life, variable); Worker’s Comp; Worksite Marketing Serving: San Diego County. –––––––––– Lon E. Light & Associates Contact: Lon E. Light 473 Helen Ave. LaFayette, CA 94549 (925) 284-2907 Fax: (925) 284-2907 email: lonelight@comcast.net email: lonelight@hotmail.com Products: Annuities; Financial Planning; Life (life settlements, single premium whole, special risk, survivor, term universal, whole) Serving: CA –––––––––– Mackeller & Associates Contact: Jim Mackellar, CLU, CLFC 3625 Thousand Oaks Blvd., #275 Westlake Village, CA 91362 (805) 373-0617 Outside CA: (888) 387-8694 Fax: (805) 379-0727 Email: jim@mackellarassociates.com Website: www.mackellarassociates.com Products: annuities (ind., variable); Dental (group); Disability (ind.); Financial Planning; Health (short-term major medical); Life (living payout option, single premium whole life, survivor, term, universal life, variable, whole life) Serving: CA & NV –––––––––– Madison Brokerage Corp. Contact: Daniel P. Anderson Contact: Rhonda Raven 65 Madison Ave., #200 P.O. Box 1940 Morristown, NJ 07962-1940 (973) 539-3232 (888) 539-3232 Fax: (973) 539-3737 email: rraven@madisonbrokerage.com Website: www.madisonbrokerage.com Products: Annuities ( ind. Variable); Financial Planning; Life (charitable giving programs, group term, guaranteed issue, policy exchange, secondary market for life, life settlements, single premium whole life, special risk, survivor, term, universal, variable, whole); LTC. Serving: Nationwide –––––––––– M&O Marketing 4000 Town Center, 11th Flr. Southfield, MI 48075 (800) 228-5964 Fax: (248) 784-1401 email: info@mandomarketing.com Website: www.mandomarketing.com Products/Services: Annuity, Life, LTC Sales & Marketing Serving: Nationwide –––––––––– Merchants Benefit Administration, Inc. Contact: Laura Genzer 15974 N. 77th St., Ste. 102 Scottsdale, AZ 85260 (800) 800-6543 Fax: (480) 776-5050 email: lgenzer@mbaadmin.com Website: www.mbaadmin.com Products: Dental (ind.); Health (group); Life (guaranteed issue) Serving: Nationwide –––––––––– MHN, INC. Contact: Judy Osterweil 2370 Kerner Blvd. San Rafael, CA 94901 (415) 460-8052 Fax: (415) 257-1456 email: judy.x.osterweil@healthnet.com Website: www.mhn.com Products: EAP and Behavioral Health Coverage for Health Group and Health Integrated; Employee Assistance Programs; Managed Care; Mental Health; Training & Skill & Organizational Development; Wellness Serving: Nationwide –––––––––– MWG Marketing 5712 I-55 N. Frontage Rd. Jackson, MS 39211 (877) 759-5728 Fax: (601) 956-1702 email: marketing@morganwhite.com Website: www.mwgdental.com Website: www.mwgvision.com Website: www.premiumsaverplan.com Products: Dental (group, ind.); Premium Saver Plan; Medical Gap Plans; Vision Serving: Nationwide –––––––––– Myers-Stevens-Melllo, Inc. 4555 Mattos Dr. Fremont, CA 94536 (510) 894-4330 (877) 741-4843 Fax: (510) 894-4147 email: info@insurancemsm.com Website: www.insurancemsm.com Products: AD&D, Cafeteria Plans; Chiropractic; Dental (group, ind.); Disability (ind., group); Health (ind., integrated plans, HSA, Medicare supplement, short-term major medical); Life (term); LTC; Pension [401(k)]; Vision Serving: CA –––––––––– National Insurance Marketing Corp. Contact: Kenneth B. Brunetta 3600 American River Dr., Ste. 240 Sacramento, CA 95864 (800) 274-7845 (916) 974-7845 Fax: (916) 974-7613 email: ken@nimc.com Website: www.nimc.com Products: Annuities (Fixed Indexed, MYGA, Book Rate and Immediate annuities, ind.); Life (single premium whole life, special risk, survivor, term, universal life, whole life); Pension (pension plans/profit sharing) Serving: Nationwide except NY –––––––––– New Generation Insurance Marketing Contact: Andy Weinstein 28073 Smyth Dr., Valencia, CA 91344 (888) 920-1770 Ext. 1231 Website: www.newgenlife.com Products: Annuities (ind.); Critical Illness, Disability (ind.); Life (group term, guaranteed issue, single premium whole life, special risk, survivor, term, UL Ind., whole life); LTC Serving: Nationwide –––––––––– Niche Market Solutions Contact: M. K. Carroll (302) 945-6906 Fax: (206) 350-4550 email: mcarroll19@verizon.net Products/Services: Annuities; Critical Illness; Disability; Life Serving: Nationwide ——————— NFP Contact: John A. Hohman 3470 Mt. Diablo Blvd., Suite A100 Lafayette, CA 94549 (925) 297-6155 Fax: (925) 254-9652 email:nfpcainfo@nfp.com Website: www.nfp.com/nfpca Products: Annuities (ind.); Dental (ind., group); Disability (ind., group); Health (group, individual); Life (charitable-giving programs, group term, term, universal life, whole life, variable) Serving: CA –––––––––– Northstar Network Insurance Agency, Inc. Contact: Katie O’ Rourke, James Grauel 1601 Bayshore Highway, Ste. 360 Burlingame, CA 94010 (800) 665-1524 (650) 692-5202 email: katie@cltcinsurance.com email: jim@cltcinsurance.com Website: www.northstarnetworkinc.com Products: LTC, Linked-LTC, Critical Illness Serving: Nationwide –––––––––– OC Life Insurance Agency Inc. Contact: Dan Love P.O. Box 3545 Mission Viejo, CA 92690 (949) 716-7051 (800) 564-3309 Fax: (949) 916-6475 email: dan@OCLifeinsurance.com Website: www.OCLifeinsurance.com Products: Life (special risk, term, universal, whole) Serving: Nationwide –––––––––– Overseas Travel Insurance Services Contact: LeAnne Lary (866) 684-7123 Fax: (805) 531-1161 email: info@otis123.com email: leanne@otis123.com Website: www.otis123.com Website: www.overseastravelinsuranceservices.com Products: Immigration Insurance; Insurance to obtain VISAS; International Major Medical; Missionary Insurance; Mission Trips Individual Holiday/Trip cancellation Insurance; Short Term Major Medical (immediate ID cards); Student Travel Insurance; Worldwide Travel Medical Insurance Groups/Associations Service Area: Nationwide and International –––––––––– Paradigm Insurance Marketing Contact: Paul D. Kaplan 31255 Cedar Valley Dr. , Ste. 311 Westlake Village CA 91362 (818) 380-0034 (800) 822-7251 Fax: (818) 706-0203 email: paul@paradigmins.com Website: www.paradigmins.com Products: Annuities (ind.); Disability; 419(e) single employer retirement benefit plans Long Term Care; Life (special risk, survivor, term, universal life); –––––––––– Penn Mutual Life Insurance Co. Contact: Ron Bertke, LUTCF 18375 Ventura Blvd.,#650 Tarzana, CA 91356 (818) 207-3930 Fax: (310) 861-1435 Email: bertke.ron@pennmutual.com Products: Life, Annuities –––––––––– Perry Financial Network Contact: Jeff Perry & Mike Taylor 13405 Folsom Blvd., Ste. 400 Folsom, CA 95630 (877) 475-5244 Fax: (916) 293-0101 email: jeff@perryfinancial.net email: mike@perryfinancial.net Website: www.perryfn.com Products: Annuities (ind., variable); Life (term, universal life, survivor, variable, whole life); LTC Serving: Western U.S. –––––––––– Peter Lyman Insurance Agency Contact: Peter T. Lyman Founder and managing Principal 8 S. Voluntario St., Ste. A Santa Monica, CA 93103 (805) 845-2377 Email: peter@lymaninsurance.com Website: www.lymaninsurance.com Products: Voluntary and Ancillary Products, Workers’ Comp, Worksite Marketing, HR Resource Services, Property&Casualty –––––––––– Petersen International Underwriters Contact: Jimmy Petersen 23929 Valencia Blvd., 2nd Floor Valencia, CA 91355 (661) 254-0006 (800) 345-8816 Fax: (661) 254-0604 email: jimmy@piu.org Website: www.piu.org Products: AD&D; Disability; Excess Disability, Impaired Risk Disability; Health (international major medical); Life (special risk) Serving: Nationwide & International –––––––––– Peter Trummer Insurance Contact: Peter Trummer 10075 W. River Street, #201 Truckee, CA 96160 (530) 587-8900 Fax: (530) 587-8883 email: ptrummer@sierra.net Website: www.ptinsurance.net Products: AD&D; Annuities (group, ind., variable); Cafeteria Plans; Cancer Insurance; Chiropractic Benefit; COBRA Compliance; Critical Illness; Dental (group, ind.); Disability (group, ind.); Health (group, health HSA, ind., integrated plans, self-funded administration, short-term major medical, international major medical); Life (charitable-giving programs, group term, guaranteed issue, living payout option, policy exchange, secondary market for life, single premium whole life, special risk, survivor, term, universal life, variable life, whole life); LTC, Pension (401[k], Pension plans/profit sharing); Prescription Drug Card, Vision Serving: Nationwide –––––––––– Pontrelli, Timour & Associates Contact: Chris Pontrelli Jr., Raphy Timour 1039 Hope St. Pasadena, CA 91030 (626) 795-4138 ext. 250 Chris Fax: (626) 795-6496 email: cpontrelli@ptbenefits.com Website: www.ptbenefits.com Products: Group Employee Benefits Serving: CA –––––––––– Pram Insurance Services Inc. Contact: David P. Wilson, CEO 711 East Imperial Highway, Ste. 100 Brea, CA 92821 (714) 671-3951 ext. 12 Cell (714) 904-7850 Fax: (714) 255-0977 email: dwilson@pram.com Website: www.pram.com Products: Limited Benefit and Indemnity Plans; MGU for Fully Insured Prescription Drug Card Plans for Traditional Employers, Associations; Voluntary Plans; Worksite; Services: National Registered Administrator “TPA” dedicated exclusively to providing Full Turnkey Pharmacy Administration; PBM Pharmacy Auditing for Employer Plans Serving: Nationwide –––––––––– PRB Insurance and Financial Services Contact: Tom Munson 1990 S. Bundy Drive, Ste 410 Los Angeles, CA 90025-1448 (310) 909-1746 Fax: (424) 248-2461 email: info@prbinc.com Website: www.prbinc.com Products/Services: TPAs, 401(k), Individual and Group Life and Disability Insurance, NQDC, Employee Benefits, Retirement Income Planning, Financial Planning. –––––––––– The Producers Group 36 Discovery, Suite 100 Irvine, CA 92618 (888) 553-6093 (949) 268-1777 Fax: (949) 362-3353 Website: www.thepg.com Products: Annuities (ind.); Life (special risk, survivor, term, universal, variable, whole life, premium finance); LTC ( ind.); Disability, DI Serving: Nationwide –––––––––– The Producers Group Contact: Eric Freundt 9171 Towne Centre Drive, Suite 200 San Diego, CA 92122 (800) 441-0140 Fax: (858) 793-5388 Email: Eric.Freundt@thepg.com Website: www.thepg.com Products: Annuities (ind.); Life (special risk, survivor, term, universal, variable, whole life); LTC (ind.); DI ——————- R.B. Twogood Insurance Services Contact: Tracy Navarro 5520 Wellesley St., Ste. 105 La Mesa, CA 91942 (619) 668-9199 (800) 266-9199 Fax: (619) 668-9260 email: tnavarro@twogoodinsurance.com Products: Universal and term Life, fixed annuities Serving: CA –––––––––– R.H. Insurance Services Contact: Robert Hernandez 411 S. Riverside Ave. Rialto, CA 92376 (323)-582-4392 (909)877-2032 (800) 529-2690 Fax: (909) 874-7454 email: rhinsurance_rob@yahoo.com Website: www.rhaccounting4u.com Products: Cafeteria Plans; COBRA; Dental (group, ind.); Disability (group, ind.); Health (group, HSA, ind., Medicare supplement); Life (guaranteed issue, single premium whole life, term, universal life, whole life); LTC; Vision; Workers’ Comp Serving: CA –––––––––– Rogers Benefit Group Contact: Dave Di Maria, Susan Diaz 130 N. Brand Blvd., Ste. 310 Glendale, CA 91203 (818) 502-3800 ext. 11 (800) 654-3050 Fax: (818) 502-2170 email: losangeles@rogersbenefit.com Website: www.rogersbenefit.com Products: Health (group); Dental (group); Serving: Los Angeles, Orange, Riverside, San Bernardino, Santa Barbara, San Luis Obispo and Ventura Counties –––––––––– Rogers Benefit Group Contact: Angie Purcell, Craig Gandy 6540 Lonetree Blvd., Ste. 100 Rocklin, CA 95765 (916) 960-0400 (866) 405-2790 Fax: (916) 960-0420 email: sacramento@rogersbenefit.com Website: www.sacramento.rogersbenefit.com Products: Heath (group) Serving: Alameda, Alpine, Amador, Butte, Calaveras, Colusa, Contra Costa, El Dorado, Fresno, Humboldt, Kern, Kings Lake, Marin, Mariposa, Mendocino, Napa, Placer, Plumas, Sacramento, San Joaquin, Shasta, Solano, Sonoma, Stanislaus, Sutter, Tehama, Tulare, Yolo, Yuba and Northern Nevada –––––––––– Rogers Benefit Group Bay Area Contact: Andrew Kerr, Cyndie Culbreth 6155 Almaden Expressway, Ste. 210 San Jose, CA 95120 email: akerr@rogersbenefit.com email: sanjose@rogersbenefit.com Website: www.rogersbenefit.com (408) 268-9700 (877) 724-4671 Fax: (408) 997-7737 Products: Health (group); Dental (group); Disability (group); Life (group); Voluntary (group) Serving: Alameda, Contra Costa, Marin, Monterey, Napa, San Benito, San Francisco, San Mateo, Santa Clara, Santa Cruz, Solano, Sonoma Counties –––––––––– Rogers Benefit Group San Diego Contact: Melissa Medve 703 Palomar Airport Rd, Ste. 330 Carlsbad, CA 92011 (760) 603-8100 (800) 872-0459 Fax: (877) 508-7255 email: dennis@rbgsocal.com email: rgbsocal@rogersbenefit.com email: melissa@rbgsocal.com Website: www.rbgsocal.com Products: Dental (group); Health (group) Serving: San Diego, Orange, Riverside, San Bernardino, Imperial Counties –––––––––– RxReins Contact: Crystal Williams P.O. Box 2284 Palm Springs, CA 92263-2284 (888)- RxReins Fax: (760) 262-3178 email: cwilliams@rxreins.com Website: www.rxreins.com Products: Dental (group); Prescription Drug Card; Vision Serving: Nationwide –––––––––– Save Gains Tax Contact: Paula Straub 1623 La Bonita Way San Marcos, CA 92078 (760) 917-0858 Fax: (866) 401-0424 email: pstraub@aol.com Website: www.savegainstax.com Products: Health and Life Insurance; Covered CA, Medicare Products, Annuities; Investment Advice, Charitable Remainder Trust; Sep-IRA, Simple IRA, Roth IRA, Deferred Sales Trusts, Life Settlements, Pensions, LTC, California Partnership Serving: Nationwide –––––––––– Senior Market Sales, Inc. Contact: Dan Trumblee 8420 W. Dodge Rd., 5th Floor Omaha, NE 68114 (402) 343-3689 (800) 786-5566 ext. 3689 Fax: (402) 397-0455 email: dtrumblee@seniormarketsales.com Website: www.seniormarketsales.com Products: Critical Illness; Dental (ind.); Prescription Drug Card; Annuities (ind.); Health (int. major medical, medicare supplement; Short Term Major Med.); Life (guaranteed issue, living payout option, single premium, whole life, special risk, survivor, term, universal, whole life); LTC –––––––––– Shepler & Fear General Agency Contact: Rob Shepler/Dave Fear, Sr. 2140 Professional Dr., Ste. 150 Roseville, CA 95661 (916) 960-0131 (877) 361-7342 Fax: (888-) 360-7342 Email: robshepler@sheplerfear.com Email: davefear@sheplerfear.com Website: www.sheplerfear.com Products: Fully Insured small and large group Medical, Dental, Vision, Life/AD&D and Disability; Self Funded small and large group Medical, Dental, Vision coverage, Telemedicine, Wellness, Health Insurance Exchanges Serving: CA ————– South Western Financial Network ESI Contact: John Andraos 505 N. Brand Ave., Ste. 850 Glendale, CA 91203 (818) 551-6600 Fax: 818-551-6615 email: andraos_john@nlvmail.com Website: www.southwesternfinancial.net Products: Annuities (group, ind.); Disability (group, ind.); Life (whole life); Pension [401(k)]; Pension (pension plans/profit sharing). Serving: Nationwide –––––––––– Stan Israel Insurance Services Inc. Contact: Stan Israel 5699 Kanan Rd., #367 Aguora Hills, CA 91301 (818) 706-1100 Fax: (818) 889-1593 email: sdiins@aol.com Website: www.sdiins.com Products: Life Insurance, LTC Serving: CA –––––––––– Steve Shorr Insurance Contact: Steve Shorr 1027 W. 11th Street, Ste. 3 San Pedro, CA 90731-3558 (310) 519-1335 Fax: (310) 519-1359 Email: steve@steveshorr.com Website: www.SteveShorr.com Products: Health (ind., group); Disability (ind.); Life (ind .); Medicare Supplement Serving: CA –––––––––– Streamline Benefits Contact: Michael J. McCormick CLU, FLMI 29811 Santa Margarita Pkwy., Ste. 100 Rancho Santa Margarita, CA 92688 (949) 452-9201 Email: benecom@att.net Products: Worksite Marketing and Enrollment Services, Medicare Bridge, AD&D, Section 125, Cafeteria Plans, Critical Illness; Disability; HSAs; Life (group, universal life term, indexed UL); Long Term Care; Prescription Drug Card; Dental; Vision; Accident Bridge and Hospital coverage and Pet Insurance –––––––––– Symetra Life Insurance Company Contact: Symetra Sales Support 777 108th Ave. NE, Ste. 1200 Bellevue, WA 98004-5135 (800) 706-0700 (800) SYMETRA email: invest@symetra.com Website: www.symetra.com Products: Annuities (individual); Disability (Group); Health (group, limited benefit medical, medical stop loss); Life (group, single premium, term, universal). Serving: Nationwide; state availability varies by product –––––––––– Tax and Financial Group Contact: Brian McNulty 4001 MacArthur Blvd. , 3rd Floor Newport Beach, CA 92660 (949) 223-8100 (800) 373-2177 Fax: (949) 223-8101 email: brian.mcnulty@tfgroup.com Website: www.tfgroup.com Products: Annuity (group contract, ind., variable); Cafeteria Plans, COBRA Compliance, Dental (ind., group); Disability (ind., group); Financial Planning, Health (ind., group, HSA); Life (charitable-giving programs, group term, guaranteed issue, living payout option, policy exchange, single premium whole life, survivor, term, universal life, variable, whole life); LTC, Pension (pension plans/profit sharing, 401[k]); Vision, Worksite Marketing Serving: S. CA, CO, HI, TX –––––––––– Team Alvarez Insurance Services Contact: Gaston Alvarez 2001 East 4th Street, Ste. 116 Santa Ana, CA 92705 (714) 978-6300 Fax: (805) 512-7840 Email: Gus@TeamAlvarez.net Products: All aspects of Medicare, Dental/Vision, (Group, Ind.); Covered CA Ind. Health, Covered CA Shop (group), Medicare Supplements, Short Term Major Med, Life insurance (guaranteed issue, group term, single premium whole life, special risk, survivor, term, and universal life), LTC, Final Expense, Annuities, Home, Auto, Business Serving: AZ, CA –––––––––– Ted Anderson Insurance Contact: Ted Anderson 830 Orange Ave., Ste. J Coronado, CA 92118 (619) 435-3636 Fax: (619) 435-3010 email: tedandersoninsurance@gmail.com Website: tedandersoninsurance.com Products: Annuities (ind.); Dental (ind.,group); Disability (ind., group); Health (ind., group, HSA, international travel plans, Medicare bridge, Medicare supplement, short-term major medical); Life (guaranteed issue, group term, single premium whole life, special risk, survivor, term, universal life); LTC, Vision Serving: CA –––––––––– Thomson Ins. Broker/RTIB, Inc. Contact: Rich Thomson P.O. Box 18283, S. Lake Tahoe, CA 96151 (530) 541-8511 Fax: (530) 541-6832 email: george@rtibtahoe.com Website: www.rtibtahoe.net Products: Acupuncture, AD&D, Dental (group); Disability (ind.); Health (ind., international major medical, HSA, Medicare supplement, short-term major medical); Life (group term) Serving: N. CA & Northern NV –––––––––– Total Financial & Insurance Svcs. Contact: Ronald Bielefelt, 11835 W. Olympic Blvd., Ste. 600 E. Los Angeles, CA 90064 (310) 477-7500 (800) 989-7500 Fax: (310) 575-3912 email: rbielefelt@totalfinancial.com Website: www.totalfinancial.com Products: Annuities and SPIAs; Life (Impaired Risk, Foreign Nationals, Indexed Universal Life, Premium Financing, Charitable-giving programs, Guaranteed issue, Survivorship, Term, Universal life, Whole life) Serving: Nationwide –––––––––– Triad Financial Insurance Marketing Inc. Contact: Gordon Silverstein 3255 Wilshire Blvd., Ste. 1850 Los Angeles, CA 90010 (213) 383-4108 (800) 392-9977 Fax: (213) 383-0126 email: gsilverstein@triadinsurancegroup.com Products: AD&D, Acupuncture, Annuity (group contract, individual, variable); Cafeteria Plans, Cancer, Chiropractic, Dental (individual, group); Disability (individual, group); Financial Planning; California Choice; Health (individual, group, integrated plans medical & 24 hrs., international major medical, health-savings accounts, Medicare bridge, Medicare supplement, self-funded administration, short-term major medical); Life (guaranteed issue, life settlement, living payout option, policy exchange, single premium whole life, special risk, survivor, term, group term, universal life, variable, whole life); Long-Term Care, Pension (401[k]); Prescription Drug Card, Vision, Workers’ Comp, Worksite Marketing Serving: Nationwide –––––––––– TripleChoicePlan Dental Contact: Lawrence V. Kent, president & CEO 1964 Westwood Blvd., Ste. #120 Los Angeles, CA 90025 (310) 470-2343 ext. 150 Fax: (310) 441-5660 email: lvk@triplechoiceplan.com Website: www.triplechoiceplan.com Products: Specialists in Group Dental, Life, Vision and Disability Min. Size: 2+ Serving: Nationwide –––––––––– TWH Annuities & Insurance Agency Inc. Contact: Tipton Huffman 6200 E. Canyon Rim Rd., Ste. 203 Anaheim Hills, CA 92807 (714) 283-9194 • (800) 200-9194 Fax: (714) 283-9197 email: info@twhagency.com Website: www.twhagency.com Products: Annuities (ind.); Life (single premium whole life, survivor, term, group term, universal life, whole life) Serving: Nationwide –––––––––– United Retirement – Orange County Contact: Peter Stephan/Tamara Lewis 23046 Avenida de la Carlota, Ste. 500 Laguna Hills, CA 92653 (949) 768-4015 Fax: (949) 600-7666 email: Peter.Stephan@unitedretirement.com email: Tamara.Lewis@unitedretirement.com Website: www.unitedretirement.com Products: Defined Benefit, Cash Balance, Profit Sharing, 401(k) Serving: CA –––––––––– USI Travel Insurance Services Contact: Wendy Miller, Director of Sales & Client Relations-Insurance Professionals Travel Insurance Services, A Member Company of USI Affinity 2231 Erie Court Tracy CA 95304 (800) 937-1387 ext. 48956 (925) 405-8956 Fax: (610) 537-2224 email: wendy.miller@travelinsure.com Website: www.travelinsure.com Products: Health (group, ind., Medicare supplement, short-term major medical, international major medical) Serving: Nationwide –––––––––– Walliser Assoc. Insurance Agency Inc. Contact: Frank Walliser 7960 Soquel Dr., Ste. 403 Aptos, CA 95003 (831) 476-4384 Fax: (831) 476-1008 email: wallisco@walliserins.com Website: www.walliserins.com Products: Annuities (ind.); Critical Illness, Life (guaranteed issue, living payout option, policy exchange, single premium whole life, special risk, survivor, term, group term, universal life, whole life); LTC Serving: CA & Most Other States ––––––––– Warner Pacific Insurance Services Contact: Jeff Papenfus, Senior Vice President of Sales Offering 46 Relationship Based Sales Executives located throughout the state to serve you. Home office: 32110 Agoura Road, Westlake Village, CA 91361 (800) 801-2300 Email: jpapenfus@warnerpacific.com Website: www.warnerpacific.com Products: Medical, Dental, Life, Vision, Work Comp, Disability, Voluntary, LTC, Medicare and more. Serving: CA, CO –––––––––– Welcome Funds Inc. Contact: Daniel Ohman 6001 Broker Sound Parkway, Ste. 320 Boca Raton, FL 33487 (561) 862-0244 (877) 227-4484 Fax: (561) 862-0242 email: info@welcomefunds.com Website: www.welcomefunds.com Products: Secondary market for life insurance Serving: Nationwide –––––––––– Western World Marketing Contact: Toby Hartley 21515 Hawthorne Blvd., Ste. 940 Torrance, CA 90503 (310) 540-5299 (800) 323-4032 Fax: (310) 316-1167 email: toby@wwannuity.com Website: www.westernworldannuity.com Products: Annuities; Financial Planning Serving: Nationwide –––––––––– W.J. Barrett Insurance Agency Inc. Contact: Bill Barrett or Jill Bradish P.O. Box 2339 Capistrano Beach, CA 92624 (888) 254-7675 Fax: (949) 493-7325 email: bill@plusgroupca.com Website: www.plusgroupca.com Products: Critical Illness, Disability (ind.); LTC Serving: CA –––––––––– Wolfpack Insurance Services Contact: Logan Wolf 425 Harbor Blvd., Ste. 2C Belmont, CA 94002 (650) 631-2460 (800) 296-0192 Fax: (650) 591-4022 email: logan@dvins.com Website: www.dentalandvisionins.com Products: Dental (group); Vision (group) Serving: CA –––––––––– Word & Brown Contact: Bill Mason 801 N. Brand Blvd., Ste. 900 Glendale, CA 91203 (818) 247-2861 (800) 560-5614 Fax: (800) 355-9711 email: wabquote@wordandbrown.com Website: www.wordandbrown.com Products: Health (Group, Individual, Medicare Supplement, Medicare Advantage), Short-Term Medical, Dental, Vision, Chiropractic, Life, LTD, LTC, COBRA, HIPAA Compliance Services and Flexible Benefit Programs. Serving: Kern, Los Angeles, San Luis Obispo, Santa Barbara and Ventura Counties –––––––––– Word & Brown Contact: James Bennett 721 S. Parker Orange, CA 92868 (714) 567-4658 (800) 869-6989 Fax: (714) 953-9404 email: wabquote@wordandbrown.com Website: www.wordandbrown.com Products: Health (Group, Individual, Medicare Supplement, Medicare Advantage), Short-Term Medical, Dental, Vision, Chiropractic, Life, LTD, LTC, COBRA, HIPAA Compliance Services and Flexible Benefit Programs. Serving: Orange County –––––––––– Word & Brown Contact: Pam Wallace 3131 Camino Del Rio North, Ste. 820 San Diego, CA 92108 (619) 299-5001 (800) 397-3381 Fax: (619) 299-2070 email: wabquote@wordandbrown.com Website: www.wordandbrown.com Products: Health (Group, Individual, Medicare Supplement, Medicare Advantage), Short-Term Medical, Dental, Vision, Chiropractic, Life, LTD, LTC, COBRA, HIPAA Compliance Services and Flexible Benefit Programs. Serving: San Diego County –––––––––– Word & Brown Contact: Zeke Montes 3633 Inland Empire Blvd., Ste. 525 Ontario, CA 91764 (909) 945-2224 (877) 225-0988 Fax: (909) 945-3339 email: wabquote@wordandbrown.com Website: www.wordandbrown.com Products: Health (Group, Individual, Medicare Supplement, Medicare Advantage), Short-Term Medical, Dental, Vision, Chiropractic, Life, LTD, LTC, COBRA, HIPAA Compliance Services and Flexible Benefit Programs. Serving: Inland Empire Regional Office –––––––––– Word & Brown Contact: Sandra Silviera 1737 N. First Street, Ste. 680 San Jose, CA 95112 (408) 685-4872 (800) 255-9673 Fax: (408) 437-5925 email: wabquote@wordandbrown.com Website: www.wordandbrown.com Products: Health (Group, Individual, Medicare Supplement, Medicare Advantage), Short-Term Medical, Dental, Vision, Chiropractic, Life, LTD, LTC, COBRA, HIPAA Compliance Services and Flexible Benefit Programs. Serving: Northern CA Regional Office –––––––––– World Insure Medical Health Insurance & Travel Insurance Calibrated International Benefits International Medical, International Life, International K&R Contact: Lisa Nguyen Cambria, LUTCF P. O. Box 1208, Novato, CA 94948 (415) 892-3116 Fax: (415) 893-1984 email: lisa@worldinsure.net Website: www.worldinsure.net Products: Disability; International Risks for Life; K&R; Major Medical; Terrorism; Travel and more Serving: Worldwide –––––––––– Worldwide Insurance Services (dba: GeoBlue and HTH Worldwide) Contact: Cristina Picardi 1 Radnor Corporate Center Suite 100, Radnor, PA 19087 (Located locally in San Diego, CA) Direct: (619) 688-1160 Toll free direct: (855) 484-6647 Fax: (610) 482-9953 email: cpicardi@geo-blue.com Website: www.geobluetravelinsurance.com Products: Int’l Health, International Major Medical, Travel Medical (ind and group); Short and long term plan options available Serving: International and nationwide –––––––––– Zenith Marketing Group Contact: Tony DeGregorio 303 W. Main St., Ste. 200 Freehold, NJ 07728 (484) 588-0621 ext. 6413 (800) 499-3727 ext. 6413 Fax: (732) 577-0111 Email: td@zenithmarketing.com Website: www.zenithmarketing.com Products: Annuities (ind.); Disability (ind.); Life (guaranteed issue, single premium whole life, special risk, survivor, term, group term, universal life, whole life); LTC, Pension [401(k)] Serving: Nationwide ... Continue Reading →
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TWOGOOD INSURANCE SERVICES AVE GAINS TAX SENIOR MARKET SALES SOUTH WESTERN FINANCIAL SYMETRA LIFE INSURANCE COMPANY TAX & FINANCIAL GROUP TEAM ALVAREZ TED ANDERSON INSURANCE SERVICES TOTAL FINANCIAL & INSURANCE SERVICES TRIAD FINANCIAL INSURANCE MARKETING TWH ANNUITIES WALLISER ASSOCIATES INS. AGENCY INC. WESTERN WORLD ANNUITY ZENITH MARKETING GROUP –––––––––– Annuities (Variable) BELAIR INSURANCE SERVICES BILL PROCTOR & ASSOCIATES INS. INC. CARMICHAEL ASSOCIATES CASSANI & ASSOCIATES CAVALIER ASSOCIATES INSURANCE SVCS. LLC COASTAL FINANCIAL PARTNERS GROUP CPS INSURANCE SERVICES CPS SACRAMENTO DUNHILL MARKETING & INS. SVCS., INC. GROUP BENEFITS INC. HARTFIELD FINANCIAL HIGHLAND CAPITAL BROKERAGE INSURANCE RESOURCES GROUP JLS F.I.R.M. INC. JONES ASSOCIATES FIN. & INS. SVCS. INC. LEISURE WERDEN & TERRY AGENCY LIFEPRO FINANCIAL SERVICES LGR INSURANCE GROUP MacKELLAR & ASSOCIATES MADISON BROKERAGE CORP. M&O MARKETING NICHE MARKET SOLUTIONS PERRY FINANCIAL NETWORK INC. PETER TRUMMER INSURANCE SAVE GAINS TAX TAX & FINANCIAL GROUP TOTAL FINANCIAL AND INSURANCE SERVICES TRIAD FINANCIAL INSURANCE MARKETING Pension Plans Pension 401(k) ASSETS UNLIMITED INC. BACKNINE INSURANCE BAY RIVER INSURANCE BELAIR INSURANCE SERVICES BILL PROCTOR & ASSOCIATES INS. INC. BROKERS MARKETING SERVICES, INC. BRYSON FINANCIAL GROUPv COASTAL FINANCIAL GROUP DEALEY RENTON & ASSOCIATES DUNHILL MARKETING & INS. SVCS., INC. EQUOTE FLEMINGS INSURANCE SERVICES GROUP BENEFITS INC. HARTFIELD FINANCIAL HIGHLAND CAPITAL BROKERAGE IBP INSURANCE SERVICES INSURANCE RESOURCES GROUP JACK VAN ROSSUM & ASSOCIATES JENKINS INSURANCE GROUP JLS F.I.R.M. INC. JONES ASS. FINANCIAL & INS. SVCS., INC. KNIGHT & ASSOCIATES MYERS-STEVENS-MELLO & CO., INC. INSURANCE SERVICES LEISURE WERDEN & TERRY AGENCY NATIONAL LIFE INSURANCE COMPANY PETER TRUMMER INSURANCE PRB INSURANCE AND FINANCIAL SVCS. PONTRELLI, TIMOUR & ASSOCIATES PRB INSURANCE AND FINANCIAL SVCS. SAVE GAINS TAX SOUTH WESTERN FINANCIAL TAX & FINANCIAL GROUP TRIAD FINANCIAL INS. MARKETING INC. UNITED RETIREMENT ZENITH MARKETING GROUP –––––––––– Pension/Profit Sharing ASSETS UNLIMITED INC. BAY RIVER INSURANCE BELAIR INSURANCE SERVICES BRYSON FINANCIAL GROUP CENCO INSURANCE MARKETING CORP. COASTAL FINANCIAL GROUP CPS SACRAMENTO DEALEY RENTON & ASSOCIATES DUNHILL MARKETING & INS. SVCS., INC. FLEMINGS INSURANCE SERVICES GROUP BENEFITS INC. HARTFIELD FINANCIAL HIGHLAND CAPITAL BROKERAGE IBP INSURANCE SERVICES INSURANCE RESOURCES GROUP JACK VAN ROSSUM & ASSOCIATES JENKINS INSURANCE GROUP JLS F.I.R.M. INC. JONES ASSOCIATES FIN. & INS. SVCS. INC. KNIGHT & ASSOCIATES NATIONAL INSURANCE MARKETING CORP. PETER TRUMMER INSURANCE PONTRELLI, TIMOUR & ASSOCIATES SAVE GAINS TAX SOUTHWESTERN FINANCIAL TAX & FINANCIAL GROUP UNITED RETIREMENT Health Insurance COBRA Compliance ASSETS UNLIMITED INC. BELAIR INSURANCE SERVICES BENEFITMALL BILL PROCTOR & ASSOCIATES INS. INC. CHIMIENTI & ASSOCIATES INSURANCE SVCS. CLAREMONT INSURANCE SERVICES EASY INSURANCE MARKETING INC. FLEXTODAY LISI PETER TRUMMER INSURANCE R.H. INSURANCE SERVICES SHEPLER AND FEAR GENERAL AGENCY TAX & FINANCIAL GROUP CORPORATION WORD & BROWN –––––––––– Health (Group) ASSETS UNLIMITED INC. BEERE & PURVES INC. BELAIR INSURANCE SERVICES BENEFITMALL BENEFITS STORE BEN-E-LECT BERBOWER INSURANCE AGENCY BEST HEALTHCARE RATES.COM BROWN & ASSOCIATES BRYSON FINANCIAL CARMICHAEL ASSOCIATES C.C.S.B. INSURANCE ADMINISTRATORS CLAREMONT INSURANCE SERVICES CLOCK INSURANCE AND FINANCIAL SVCS. CMG INSURANCE SERVICES COASTAL FINANCIAL PARTNERS GROUP DAVID W. WHITE & ASSOCIATES DEALEY RENTON & ASSOCIATES DICKERSON EMPLOYEE BENEFITS INS. SVCS.v EASY INSURANCE MARKETING INC. EMERSON REID E PRO INSURANCE AGENCY FIRST EAGLE INSURANCE FLEMINGS INSURANCE SERVICES GENERAL AGENCY INS. DEV. SVCS. (GAIDS) GORDON GLADSTONE ASSOCIATES GROUP BENEFITS INC. HEALTHCARE PRODUCERS INC. HEALTHINSURANCE.COM INC. IBP INSURANCE SERVICES ITG WORLD WIDE INSURANCE AGENCY JLS F.I.R.M. INC. LeCLAIR CORP. LISI MERCHANTS BENEFIT ADMINISTRATION MHN NFP PETER TRUMMER INSURANCE PONTRELLI, TIMOUR & ASSOCIATES PRAM INSURANCE SERVICES INC. R.H. INSURANCE SERVICES ROGERS BENEFIT GROUP SHEPLER AND FEAR GENERAL AGENCY STEVE SHORR INSURANCE SYMETRA LIFE INSURANCE COMPANY TAX & FINANCIAL GROUP TEAM ALVAREZ INSURANCE SERVICES TED ANDERSON INSURANCE SERVICES TRIAD FINANCIAL INS. MARKETING INC. USI TRAVEL INSURANCE SERVICES WARNER PACIFIC INSURANCE SERVICES WORD & BROWN –––––––––– Health (Individual) APPLIED GENERAL AGENCY INC. ASSETS UNLIMITED INC. SSOCIATION OF CHAMBER MEMBERS BELAIR INSURANCE SERVICES BENEFITMALL BENEFITS STORE INC. BERBOWER INSURANCE AGENCY BEST HEALTHCARE RATES.COM BROWN & ASSOCIATES BRYSON FINANCIAL GROUP CARMICHAEL ASSOCIATES C.C.S.B. INSURANCE ADMINISTRATORS CLOCK INSURANCE AND FINANCIAL SVCS. CMG INSURANCE SERVICES CPS SACRAMENTO DAVID W. WHITE & ASSOCIATES DEALEY RENTON & ASSOCIATE DICKERSON EMPLOYEE BENEFITS INS. SVCS. EASY INSURANCE MARKETING INC. EDWARDS/GLICK INSURANCE MARKETINGv E PRO INSURANCE AGENCY FIRST EAGLE INSURANCE FLEMINGS INSURANCE SERVICES FOULDS & FELDMANN HEALTH INS. AGENCY ENERAL AGENCY INS. DEV. SVCS. (GAIDS) GORDON GLADSTONE ASSOCIATES GROUP BENEFITS INC. HEALTHCARE PRODUCERS INC. HEALTHINSURANCE.COM INC. ITG WORLD WIDE INSURANCE AGENCY JLS F.I.R.M. INC. LARRY MEDEIROS LECLAIR CORP. MYERS-STEVENS-MELLO & CO., INS. SVCS. NFP PETER TRUMMER INSURANCE R.H. INSURANCE SERVICES STEVE SHORR INSURANCE TAX & FINANCIAL GROUP TEAM ALVAREZ INSURANCE SERVICES ED ANDERSON INSURANCE SERVICES THOMSON INSURANCE BROKERS OSTE & ASSOCIATES TRIAD FINANCIAL INS. MARKETING INC. USI TRAVEL INSURANCE SERVICES WARNER PACIFIC INSURANCE SERVICES WORD & BROWN –––––––––– HSAs (Health Saving Accounts) ASSETS UNLIMITED INC. BELAIR INSURANCE SERVICES BEN-E-LECT BEST HEALTHCARE RATES.COM BILL PROCTOR & ASSOCIATES INS. INC. RYSON FINANCIAL GROUP CHIMIENTI & ASSOCIATES INSURANCE SVCS. CLAREMONT INSURANCE SERVICES MERSON REID CMG INSURANCE SERVICES EMERSON REID FLEMINGS INSURANCE SERVICES FLEXTODAY GENERAL AGENCY INS. DEV. SVCS. (GAIDS) GROUP BENEFITS INC. IBP INSURANCE SERVICES JENKINS INSURANCE GROUP JLS F.I.R.M. INC. LECLAIR CORP. MYERS-STEVENS-MELLO & CO., INS. SVCS.. INC PETER TRUMMER INSURANCE R.H. INSURANCE SERVICES STREAMLINE BENEFITS TAX & FINANCIAL GROUP ED ANDERSON INSURANCE SERVICES THOMSON INSURANCE BROKERS TRIAD FINANCIAL INSURANCE MARKETING WARNER PACIFIC INSURANCE SERVICESv WORD & BROWN –––––––––– Integrated (Health+24 Hour) ASSETS UNLIMITED INC. BEN-E-LECT BILL PROCTOR & ASSOCIATES INS. INC. CARMICHAEL ASSOCIATES DICKERSON EMPLOYEE BENEFITS INS. SVCS. FLEMINGS INSURANCE SERVICESv GROUP BENEFITS INC. JENKINS INSURANCE GROUP MHN MYERS-STEVENS & CO. INC. PETER TRUMMER INSURANCE TRIAD FINANCIAL INS. MARKETING INC. WARNER PACIFIC INSURANCE SERVICESv –––––––––– International Major Medical ASSETS UNLIMITED INC. BELAIR INSURANCE SERVICES BILL PROCTOR & ASSOCIATES INS. INC. BRYSON FINANCIAL GROUP CNMA MULTI-INSURANCE AGENCY EASY INSURANCE MARKETING INC. FIRST EAGLE INSURANCE FLEMINGS INSURANCE SERVICES FLYNN ASSOCIATES INS. MARKETING INC. GENERAL AGENCY INS. DEV. SVCS. (GAIDS) GEOBLUE GROUP BENEFITS INC. ITG WORLDWIDE INSURANCE AGENCY JLS F.I.R.M. INC. OVERSEAS TRAVEL INSURANCE SERVICES PETER TRUMMER INSURANCE PETERSEN INTERNATIONAL UNDERWRITERS SENIOR MARKET SALES SHEPLER AND FEAR GENERAL AGENCY TED ANDERSON INSURANCE SERVICES THOMSON INSURANCE BROKERS TRIAD FINANCIAL INS. MARKETING INC. USI TRAVEL INSURANCE SERVICES WORLD INSURE –––––––––– Medicare Bridge ASSETS UNLIMITED INC. CARMICHAEL ASSOCIATES CMG INSURANCE SERVICES E PRO INSURANCE AGENCY FLEMINGS INSURANCE SERVICESv GENERAL AGENCY INS. DEV. SERVICES (GAIDS) GROUP BENEFITS INC. JENKINS INSURANCE GROUP JLS F.I.R.M. INC. STREAMLINE BENEFITS TED ANDERSON INSURANCE SERVICES RIAD FINANCIAL INS. MARKETING INC. –––––––––– Medicare Supplement AIS APPLIED GENERAL AGENCY INC. ASSETS UNLIMITED INC. BELAIR INSURANCE SERVICES BENEFITMALL BILL PROCTOR & ASSOCIATES INS. INC. BRYSON FINANCIAL GROUP CARMICHAEL ASSOCIATES CMG INSURANCE SERVICES DICKERSON EMPLOYEE BENEFITS EASY INSURANCE MARKETING INC. EDWARDS/GLICK INSURANCE MARKETING E PRO INSURANCE AGENCY FINANCIAL GRADE SENIOR CONSULTANTS FLEMINGS INSURANCE SERVICES FOULDS & FELDMANN HEALTH INS. AGENCY GENERAL AGENCY INS. DEV. SVCS. (GAIDS) GROUP BENEFITS INC. JENKINS INSURANCE GROUP JLS F.I.R.M. INC. LARRY MEDEIROS MYERS-STEVENS-MELLO & CO., INS., SVCS. R.H. INSURANCE SERVICES SAVE GAINS TAX SENIOR MARKET SALES, INC. SHEPLER AND FEAR GENERAL AGENCY STEVE SHORR INSURANCE TEAM ALVAREZ INSURANCE SERVICES TED ANDERSON INSURANCE SERVICES THOMSON INSURANCE BROKERS TRIAD FINANCIAL INS. MARKETING INC. USI TRAVEL INSURANCE SERVICES WORD & BROWN –––––––––– Self-Funded Administration BEN-E-LECT CARMICHAEL ASSOCIATES CMG INSURANCE SERVICES EASY INSURANCE MARKETING INC. FLEMINGS INSURANCE SERVICES GROUP BENEFITS INC. JENKINS INSURANCE GROUPv JLS F.I.R.M. INC. PETER TRUMMER INSURANCE TRIAD FINANCIAL INS. MARKETING INC. –––––––––– Short Term Major Medical ASSETS UNLIMITED INC. BELAIR INSURANCE SERVICES BEST HEALTHCARE RATES.COM BRYSON FINANCIAL GROUPv CMG INSURANCE SERVICES DICKERSON EMPLOYEE BENEFITS INS. SVCS. EASY INSURANCE MARKETING INC. EDWARDS/GLICK INSURANCE MARKETING E PRO INSURANCE AGENCY FIRST EAGLE INSURANCE FLEMINGS INSURANCE GENERAL AGENCY INS. DEV. SVCS. (GAIDS) GROUP BENEFITS INC. JENKINS INSURANCE GROUP JLS F.I.R.M. INC. LARRY MEDEIROS MacKELLAR & ASSOCIATES MYERS-STEVENS & CO. INC. OVERSEAS TRAVEL INSURANCE PETER TRUMMER INSURANCE SENIOR MARKET SALES TEAM ALVAREZ INSURANCE SERVICES TED ANDERSON INSURANCE SERVICES THOMSON INSURANCE BROKERS TRIAD FINANCIAL INS. MARKETING INC.v USI TRAVEL INSURANCE SERVICESv WORD & BROWN Life Insurance Charitable Giving Programs ACCENT INSURANCE BAY RIVER INSURANCE BGA INSURANCE BRYSON FINANCIAL GROUP CPS SACRAMENTO DUNHILL MARKETING & INS. SVCS., INC. E PRO INSURANCE AGENCY EQUOTE GROUP BENEFITS INC. HIGHLAND CAPITAL BROKERAGE JLS F.I.R.M. INC. LEISURE WERDEN & TERRY AGENCY NFP PETER TRUMMER INSURANCE SAVE GAINS TAX TAX & FINANCIAL GROUP TOTAL FINANCIAL –––––––––– Life (Group) ACCENT INSURANCE ACE BENEFITS GROUP RETIREMENT & INS. AIS INSURANCE APPLIED GENERAL AGENCY INC. ASSETS UNLIMITED INC. BELAIR INSURANCE SERVICES BENEFITMALL BEN-E-LECT BEERE & PURVES, INC. BEST HEALTHCARE RATES.COM BEST LIFE AND HEALTH INS. COMPANY BEST RE BGA INSURANCE BILL PROCTOR & ASSOCIATES INS. INC. BROWN & ASSOCIATES BRYSON FINANCIAL GROUP CARMICHAEL ASSOCIATES CASSANI & ASSOCIATES INSURANCE SVCS. CENCO INSURANCE MARKETING CORP. CHIMIENTI & ASSOCIATES INSURANCE SVCS. CLAREMONT INSURANCE SERVICES CLOCK INSURANCE AND FINANCIAL SVCS. CMG INSURANCE SERVICES COASTAL FINANCIAL GROUP CORY STEPANEK. CLTC CPS INSURANCE SERVICES CPS-RON VIOLA INSURANCE SERVICES CPS SACRAMENTO DEALEY RENTON & ASSOCIATES DICKERSON EMPLOYEE BENEFITS INS. SVCS. DIRECT BENEFITS DUNHILL MARKETING & INS. SVCS. INC. EDWARDS/GLICK INSURANCE MARKETING EMERSON REID E PRO INSURANCE AGENCY EQUOTE FLEMINGS INSURANCE SERVICES GENERAL AGENCY INS. DEV. SVCS. (GAIDS) GROUP BENEFITS INC. ITG WORLD WIDE INSURANCE AGENCY IBP INSURANCE SERVICES JLS F.I.R.M. INC. LEISURE WERDEN & TERRY AGENCY LIFEPRO FINANCIAL SERVICES LISI LGR INSURANCE GROUP M&O MARKETING NEW GENERATION INS. MARKETING NICHE MARKET SOLUTIONS NFP PENN MUTUAL LIFE INSURANCE PETER TRUMMER INSURANCE PONTRELLI, TIMOUR & ASSOCIATES PRB INSURANCE AND FINANCIAL SVCS. ROGERS BENEFITS SHEPLER AND FEAR GENERAL AGENCY STAN ISRAEL INSURANCE SERVICES INC. STREAMLINE BENEFITS SYMETRA LIFE INSURANCE COMPANY TAX & FINANCIAL GROUP TED ANDERSON INSURANCE SERVICES THOMSON INSURANCE BROKERS TRIAD FINANCIAL INSURANCE MARKETING TRIPLE CHOICE PLAN DENTAL TWH ANNUITIES WALLISER ASSOCIATES INS. AGENCY, INC. WARNER PACIFIC INSURANCE SERVICES WORD & BROWN ZENITH MARKETING GROUP –––––––––– Life Guaranteed Issue ACCENT INSURANCE BAY RIVER INSURANCE BEST HEALTHCARE RATES.COM BEST LIFE AND HEALTH INS. COMPANY BEST RE BGA INSURANCE BILL PROCTOR & ASSOCIATES INS. INC. CASSANI & ASSOCIATES INS. SVCS., INC. CALIFORNIA GUARDIAN CARMICHAEL ASSOCIATES CNMA MULTI-INSURANCE AGENCY COASTAL FINANCIAL PARTNERS GROUP CPS INSURANCE SERVICES CPS /INTEGRATED MARKETING & INS. SVCS. CPS-RON VIOLA INSURANCE SERVICES CPS/INTEGRATED MARKETING & INS. SVCS. DUNHILL MARKETING & INS. SVCS., INC. E PRO INSURANCE AGENCY EQUOTE FINANCIAL GRADE SENIOR CONSULTANTS FLEMINGS INSURANCE SERVICES FLYNN ASSOCIATES INS. MARKETING INC. GROUP BENEFITS INC. INSURANCE RESOURCES GROUP JLS F.I.R.M. INC. LEISURE WERDEN & TERRY AGENCY LIFEPRO FINANCIAL SERVICES MADISON BROKERAGE CORP. MERCHANTS BENEFIT ADMINISTRATION NEW GENERATION INS. MARKETING PETER TRUMMER INSURANCE PONTRELLI, TIMOUR & ASSOCIATES R.H. INSURANCE SERVICES SENIOR MARKET SALES STREAMLINE BENEFITS TAX & FINANCIAL GROUP TEAM ALVAREZ INSURANCE SERVICES TED ANDERSON INSURANCE SERVICES TOTAL FINANCIAL INS. TRIAD FINANCIAL INS. MARKETING INC. WALLISER ASSOCIATES INS. AGENCY, INC. ZENITH MARKETING GROUP –––––––––– Life Settlements/Secondary Market for Life Insurance BGA INSURANCE CARMICHAEL ASSOCIATES CAVALIER ASSOCIATES CPS-RON VIOLA INSURANCE SERVICES DUNHILL MKTG. & INS. SVCS. E PRO INSURANCE AGENCY EQUOTE FLYNN ASSOCIATES HIGHLAND CAPITAL BROKERAGE INSURANCE RESOURCES GROUP JLS F.I.R.M. INC. LEISURE WERDEN & TERRY AGENCY LIFE INSURANCE SETTLEMENTS INC. LON E. LIGHT & ASSOCIATES MADISON BROKERAGE CORP. PETER TRUMMER INSURANCE SAVE GAINS TAX TRIAD FINANCIAL INS. MARKETING INC. WELCOME FUNDS INC. –––––––––– Life Living Payout Option ASSETS UNLIMITED INC. BAY RIVER INSURANCE BGA INSURANCE BRYSON FINANCIAL GROUP CLOCK INSURANCE AND FINANCIAL SVCS. DUNHILL MKTG. & INS. SVCS. EQUOTE GROUP BENEFITS INC. HIGHLAND CAPITAL BROKERAGE JENKINS INSURANCE GROUP JLS F.I.R.M. INC. MacKELLAR & ASSOCIATES PETER TRUMMER INSURANCE SENIOR MARKET SALES TAX & FINANCIAL GROUP TRIAD FINANCIAL INS. MARKETING INC. WALLISER ASSOCIATES INS. AGENCY, INC. –––––––––– Life Policy Exchange BAY RIVER INSURANCE BGA INSURANCE CASSANI & ASSOCIATES INS. SVCS., INC. CPS-RON VIOLA INSURANCE SERVICES CPS/INTEGRATED MARKETING & INS. SVCS. DUNHILL MARKETING & INS. SVCS., INCv EDWARDS/GLICK INSURANCE MARKETING EQUOTE FIRST RESOURCE INSURANCE FLEMINGS INSURANCE SERVICES FLYNN ASSOCIATES INS. MARKETING INC. GROUP BENEFITS INC. HIGHLAND CAPITAL BROKERAGE JENKINS INSURANCE GROUP JLS F.I.R.M. INC. LEISURE WERDEN & TERRY AGENCY MADISON BROKERAGE CORP. PETER TRUMMER INSURANCE TAX & FINANCIAL GROUP TRIAD FINANCIAL INS. MARKETING INC. WALLISER ASSOCIATES INS. AGENCY, INC. –––––––––– Single Premium Whole Life ACCENT INSURANCE THE ANNUITY STORE BAY RIVER INSURANCE BERBOWER INS. AGENCY BEST HEALTHCARE RATES.COM BGA INSURANCE ILL PROCTOR & ASSOCIATES INS. INC. BROKERS MARKETING SERVICES INC. BRYSON FINANCIAL GROUP CASSANI & ASSOCIATES INS. SVCS., INC. CPS INSURANCE SERVICES CPS /INTEGRATED MARKETING & INS. SVCS. CPS-RON VIOLA INSURANCE SERVICES CPS SACRAMENTO DUNHILL MARKETING & INS. SVCS., INC. E PRO INSURANCE AGENCY EQUOTE FLEMINGS INSURANCE SERVICES FLYNN ASSOCIATES INS. MARKETING INC./a> GROUP BENEFITS INC. HIGHLAND CAPITAL BROKERAGE INSURANCE RESOURCES GROUP JLS F.I.R.M. INC. LEGACY INSURANCE SERVICES LIFEPRO FINANCIAL SERVICES LON E. LIGHT & ASSOCIATES MACKELLAR ASSOCIATES MADISON BROKERAGE CORP. NATIONAL INSURANCE MARKETING CORP. NEW GENERATION INS. MARKETING PETER TRUMMER INSURANCE R.H. INSURANCE SERVICES SYMETRA LIFE INSURANCE COMPANY TAX & FINANCIAL GROUP TEAM ALVAREZ INSURANCE SERVICES TED ANDERSON INSURANCE SERVICES TRIAD FINANCIAL INS. MKTG. INC. TWH ANNUITIES & INSURANCE AGENCY INC.v WALLISER ASSOCIATES INS. AGENCY, INC.v ZENITH MARKETING GROUPv –––––––––– Special Risk ACCENT INSURANCE AMERICAN CAPITAL SECURITY CORP. ASSETS UNLIMITED INC. BGA INSURANCE BRYSON FINANCIAL GROUP CASSANI & ASSOCIATES INS. SVCS., INC. CPS INSURANCE SERVICES CPS /INTEGRATED MARKETING & INS. SVCS. CPS-RON VIOLA INSURANCE SERVICES CPAS SACRAMENTOv DUNHILL MARKETING & INS. SVCS., INC. EQUOTE FINANCIAL PROFESSIONALS FLEMINGS INSURANCE SERVICES FLYNN ASSOCIATES GROUP BENEFITS INC. HD MOOERS AND CO. JENKINS INSURANCE GROUP JONES ASSOCIATES FIN. & INS. SVCS. INC. LeCLAIR CORP. LIFEPRO FINANCIAL SERVICES LON E. LIGHT & ASSOCIATES MADISON BROKERAGE CORP. NATIONAL INSURANCE MARKETING CORP. NEW GENERATION INS. MARKETING OC LIFE INSURANCE AGENCY INC. PARADIGM PETER TRUMMER INSURANCE PETERSEN INTERNATIONAL UNDERWRITERS THE PRODUCERS GROUP SENIOR MARKET SALES TEAM ALVAREZ INSURANCE SERVICES TED ANDERSON INSURANCE SERVICES TRIAD FINANCIAL INS. MARKETING INC. WALLISER ASSOCIATES INS. AGENCY, INC. ZENITH MARKETING GROUP –––––––––– Survivor Life ACCENT INSURANCE AMERICAN CAPITAL SECURITY CORP. ASSETS UNLIMITED INC. BACKNINE INSURANCE SERVICES BELAIR INSURANCE SERVICES BEST HEALTHCARE RATES.COM BGA INSURANCE BILL PROCTOR & ASSOCIATES INS. INC. BROKERS MARKETING SERVICES BRYSON FINANCIAL GROUP CALIFORNIA GUARDIAN CAVALIER ASSOCIATES CENCO INSURANCE MARKETING CORP. COASTAL FINANCIAL PARTNERS GROUP CPS INSURANCE SERVICES CPS-RON VIOLA INSURANCE SERVICES CPS/INTEGRATED MARKETING & INS. SVCS. CPS SACRAMENTO DUNHILL MARKETING & INS. SVCS., INC. EDWARDS/GLICK INSURANCE MARKETING EQUOTE FINANCIAL PROFESSIONALS FLEMINGS INSURANCE SERVICES FLYNN ASSOCIATES INS. MARKETING INC. GROUP BENEFITS INC. HD MOOERS AND CO. HIGHLAND CAPITAL BROKERAGE INNOVATIVE SOLUTIONS INS. SVCS. LLC. JENKINS INSURANCE GROUP J.K. INSURANCE MARKETING INC.v JLS F.I.R.M. INC. JOHN HANCOCK FINANCIAL NETWORK JONES ASSOCIATES FIN. & INS. SVCS. INC. LEGACY INSURANCE SERVICES LEISURE WERDEN & TERRY AGENCY LIFEPRO FINANCIAL SERVICES LON E. LIGHT & ASSOCIATES MacKELLAR & ASSOCIATES MADISON BROKERAGE CORP. NATIONAL INSURANCE MARKETING CORP. NEW GENERATION INS. MARKETING PARADIGM INSURANCE MARKETING PERRY FINANCIAL NETWORK INC. PETER TRUMMER INSURANCE PONTRELLI, TIMOUR & ASSOCIATES THE PRODUCERS GROUP SENIOR MARKET SALES TAX & FINANCIAL GROUP TEAM ALVAREZ INSURANCE SERVICES TED ANDERSON INSURANCE SERVICES TOTAL FINANCIAL INSURANCE SERVICES TRIAD FINANCIAL INS. MARKETING INC. TWH ANNUITIES & INSURANCE AGENCY INC. WALLISER ASSOCIATES INS. AGENCY, INC. ZENITH MARKETING GROUP –––––––––– Term Life ACCENT INSURANCE ACE BENEFITS GROUP RETIREMENT & INS. AMERICAN CAPITAL SECURITY CORP. THE ANNUITY STORE BACKNINE INSURANCE SERVICES BARRY J. FISHER INSURANCE MARKETING INC. BAY RIVER INSURANCE BELAIR INSURANCE SERVICES BENEFITMALL BERBOWER INSURANCE AGENCY BEST HEALTHCARE RATES.COM BGA INSURANCE BILL PROCTOR & ASSOCIATES INS. INC. BROKERS MARKETING SERVICES INC. BROWN & ASSOCIATES BRYSON FINANCIAL GROUP BSI INSURANCE SERVICES INC. CALIFORNIA GUARDIAN BROKERAGE CARMICHAEL ASSOCIATES CASSANI & ASSOCIATES INS. SVCS., INC. CAVALIER ASSOCIATES CENCO INSURANCE MARKETING CORP. CHIMIENTI AND ASSOCIATES CLAREMONT INSURANCE SERVICES CLOCK INSURANCE AND FINANCIAL SVCS. CMG INSURANCE SERVICES COASTAL FINANCIAL PARTNERS GROUP CORY STEPANEK. CLTC CPS INSURANCE SERVICES CPS/INTEGRATED MARKETING & INS. SVCS. CPS-RON VIOLA INSURANCE SERVICES DEALEY RENTON & ASSOCIATES DICKERSON EMPLOYEE BENEFITS INS. SVCS. DIRECT BENEFIT DUNHILL MARKETING & INS. SVCS., INC EDWARDS/GLICK INSURANCE MARKETING EMERSON REID E PRO INSURANCE AGENCY EQUOTE FINANCIAL PROFRESSIOALS FIRST RESOURCE INSURANCE FLEMINGS INSURANCE SERVICES FLYNN ASSOCIATES INS. MARKETING INC. FSD FINANCIAL GENERAL AGENCY INS. DEV. SVCS. (GAIDS) GORDON GLADSTONE ASSOCIATES GROUP BENEFITS INC. HARTFIELD FINANCIAL HD MOOERS AND CO.v HIGHLAND CAPITAL BROKERAGE INNOVATIVE SOLUTIONS INS. SVCS. LLC. INSURANCE RESOURCES GROUP ITG WORLDWIDE INSURANCE AGENCY JENKINS INSURANCE GROUP JOHN HANCOCK FINANCIAL NETWORK J.K. INSURANCE MARKETING INC. JLS F.I.R.M. INC. JONES ASSOCIATES FIN. & INS. SVCS. INC. LANDMARK SENIOR RESOURCES LARRY MEDEIROS LeCLAIR CORP. LEGACY INSURANCE SERVICES LIFEPRO FINANCIAL SERVICES LISI LON E. LIGHT & ASSOCIATES MacKELLAR & ASSOCIATES MADISON BROKERAGE CORP. MYERS-STEVENS-MELLO & CO., INS., SVCS. NATIONAL INSURANCE MARKETING CORP. NEW GENERATION INS. MARKETING NFP OC LIFE INSURANCE AGENCY INC. PARADIGM INSURANCE MARKETING PERRY FINANCIAL NETWORK INC. PETER TRUMMER INSURANCE THE PRODUCERS GROUP R. B. TWOGOOD INSURANCE SERVICES R.H. INSURANCE SERVICES SENIOR MARKET SALES SHEPLER AND FEAR GENERAL AGENCY STAN ISRAEL INSURANCE SERVICES INC.v STEVE SHORR INSURANCE STREAMLINE BENEFITS SYMETRA LIFE INSURANCE COMPANY TAX & FINANCIAL GROUP TEAM ALVAREZ INSURANCE SERVICES TED ANDERSON INSURANCE SERVICES TOTAL FINANCIAL TRIAD FINANCIAL INS. MARKETING INC. TWH ANNUITIES & INSURANCE AGENCY INC. WALLISER SERVICES INSURANCE AGENCY INC. WARNER PACIFIC INSURANCE SERVICES WELLS FARGO WHOLESALE INS. SVCS. INC. ZENITH MARKETING GROUP –––––––––– Universal Life ACCENT INSURANCE ACE BENEFITS GROUP RETIREMENT & INS. AMERICAN CAPITAL SECURITY CORP.v ASSETS UNLIMITED INC. BACKNINE INSURANCE SERVICES BARRY J. FISHER INSURANCE MARKETING INC. BAY RIVER INSURANCE BELAIR INSURANCE SERVICES BERBOWER INSURANCE AGENCY BEST HEALTHCARE RATES.COM BGA INSURANCE BILL PROCTOR & ASSOCIATES INS. INC. BROKERS MARKETING SERVICES, INC. BRYSON FINANCIAL GROUP BSI INSURANCE SERVICES INC. CALIBRATED CAPITAL INC. CASSANI & ASSOCIATES INSURANCE SVCS. CAVALIER ASSOCIATES CENCO INSURANCE MARKETING CORP. CHIMIENTI & ASSOCIATES INSURANCE SVCS. CLAREMONT INSURANCE SERVICES CLOCK INSURANCE AND FINANCIAL SVCS. CMG INSURANCE SERVICES COASTAL FINANCIAL PARTNERS GROUP CPS INSURANCE SERVICES CPS /INTEGRATED MARKETING & INS. SVCS. CPS-RON VIOLA INSURANCE SERVICES CREEKMORE INSURANCE GROUP, INC. DEALEY RENTON DUNHILL MARKETING & INS. SVCS., INC. EDWARDS/GLICK INSURANCE MARKETING E PRO INSURANCE AGENCY EQUOTE FINANCIAL PROFESSIONALS FIRST RESOURCE INSURANCE FLEMINGS INSURANCE SERVICES FLYNN ASSOC. INSURANCE MARKETING INC. FSD FINANCIAL SERVICES GORDON GLADSTONE ASSOCIATES GROUP BENEFITS INC. HARTFIELD FINANCIAL HIGHLAND CAPITAL BROKERAGE INNOVATIVE SOLUTIONS INS. SVCS. LLC. INSURANCE RESOURCES GROUP JENKINS INSURANCE GROUP J.K. INSURANCE MARKETING INC. JLS F.I.R.M. INC. JOHN HANCOCK FINANCIAL NETWORK JONES ASSOCIATES FIN. & INS. SVCS. INC. LARRY MEDEIROS LeCLAIR CORP. LEGACY INSURANCE SERVICES LEISURE WERDEN & TERRY AGENCY LIFEPRO FINANCIAL SERVICES LISI LON E. LIGHT & ASSOCIATES MacKELLAR & ASSOCIATES MADISON BROKERAGE CORP. NATIONAL INSURANCE MARKETING CORP. NEW GENERATION INS. MARKETING NFP OC LIFE INSURANCE AGENCY INC. PARADIGM INSURANCE MARKETING PERRY FINANCIAL NETWORK INC. PETER LYMAN INSURANCE PETER TRUMMER INSURANCE THE PRODUCERS GROUP R. B. TWOGOOD INSURANCE SERVICES R.H. INSURANCE SERVICES SENIOR MARKET SALES, INC. STREAMLINE BENEFITS SYMETRA LIFE INSURANCE COMPANY TAX & FINANCIAL GROUP TEAM ALVAREZ INSURANCE SERVICES TED ANDERSON INSURANCE SERVICES TOTAL FINANCIAL TRIAD FINANCIAL INS. MARKETING INC. TWH ANNUITIES & INSURANCE AGENCY INC. WALLISER ASSOC. INSURANCE AGENCYINC. ZENITH MARKETING GROUP –––––––––– Variable Life BAY RIVER INSURANCE BELAIR INSURANCE SERVICES BEST HEALTHCARE RATES.COM BGA INSURANCE BILL PROCTOR & ASSOCIATES INS. INC. BRYSON FINANCIAL GROUP COASTAL FINANCIAL PARTNERS GROUP CPS INSURANCE SERVICES CPS SACRAMENTO FINANCIAL PROFESSIONALS GROUP BENEFITS INC. HARTFIELD FINANCIAL HIGHLAND CAPITAL BROKERAGE INNOVATIVE SOLUTIONS INS. SVCS. LLC. INSURANCE RESOURCES GROUP JLS F.I.R.M. INC. JOHN HANCOCK FINANCIAL NETWORK JONES ASSOCIATES FINANCIAL& INSURANCE SERVICES INC. LARRY MEIDEROS LEISURE WERDEN & TERRY AGENCY LIFEPRO FINANCIAL SERVICES LISI MacKELLAR & ASSOCIATES MADISON BROKERAGE CORP. NFP PETER TRUMMER INSURANCE THE PRODUCERS GROUP TAX & FINANCIAL GROUP TRIAD FINANCIAL INS. MARKETING INC. –––––––––– Whole Life ACCENT INSURANCE BROKERAGE ACE BENEFITS GROUP RETIREMENT & INS. THE ANNUITY STORE ASSETS UNLIMITED INC. BACKNINE INSURANCE SERVICES BARRY J. FISHER INSURANCE MARKETING INC. BERBOWER INSURANCE AGENCY BEST HEALTHCARE RATES.COM BGA INSURANCE BROKERS MARKETING SERVICES INC. BRYSON FINANCIAL GROUP CALIFORNIA GUARDIAN CASSANI & ASSOCIATES INS. SVCS., INC.v CAVALIER ASSOCIATES CENCO INSURANCE MARKETING CORP. CLAREMONT INSURANCE SERVICES CLOCK INSURANCE AND FINANCIAL SVCS. CMG INSURANCE SERVICES CPS INSURANCE SERVICES CPS /INTEGRATED MARKETING & INS. SVCS. CPS-RON VIOLA INSURANCE SERVICES CPS SACRAMENTO DUNHILL MARKETING AND INS. SERVICES EDWARDS/GLICK INSURANCE MARKETING E PRO INSURANCE AGENCY EQUOTE FINANCIAL PROFESSIONALS FIRST RESOURCE INSURANCE FLEMINGS INSURANCE SERVICES FLYNN ASSOC. INSURANCE MARKETING INC. FSD FINANCIAL SERVICES GROUP BENEFITS INC. HARTFIELD FINANCIAL HIGHLAND CAPITAL BROKERAGE INSURANCE RESOURCES GROUP JENKINS INSURANCE GROUP JOHN HANCOCK FINANCIAL NETWORK J.K. INSURANCE MARKETING INC. JLS F.I.R.M. INC. JONES ASSOCIATES FIN. & INS. SVCS. INC. LeCLAIR CORP. LEGACY INSURANCE SERVICES THE LEISHER GROUP LIFEPRO FINANCIAL SERVICES LON E. LIGHT & ASSOCIATES MacKELLAR & ASSOCIATES MADISON BROKERAGE CORP. NATIONAL INSURANCE MARKETING CORP. NEW GENERATION INS. MARKETING NFP OC LIFE INSURANCE AGENCY INC. PERRY FINANCIAL NETWORK INC. PETER TRUMMER INSURANCE THE PRODUCERS GROUP R.H. INSURANCE SERVICES SENIOR MARKET SALES SOUTH WESTERN FINANCIAL TAX & FINANCIAL GROUP TEAM ALVAREZ INSURANCE SERVICES TOTAL FINANCIAL TRIAD FINANCIAL INS. MARKETING INC. TRIPLE CHOICE DENTAL PLAN TWH ANNUITIES & INSURANCE AGENCY INC. WALLISER ASSOC. INSURANCE AGENCY, INC. ZENITH MARKETING GROUP Long Term Care ACE BENEFITS GROUP RETIREMENT & INS. ACCENT INSURANCE BROKERAGE AMERICAN ADVANCED BENEFITS AMERICAN CAPITAL SECURITY CORP ASSETS UNLIMITED INC. BACKNINE INSURANCE SERVICES BARRY J. FISHER INSURANCE MARKETING INC. BAY RIVER INSURANCE BELAIR INSURANCE GROUP BERBOWER INSURANCE AGENCY BGA INSURANCE BILL PROCTOR & ASSOCIATES INS. INC. BROKERS MARKETING SERVICES INC. BRYSON FINANCIAL GROUP BSI INSURANCE SERVICES INC. CALIFORNIA LTC INSURANCE SERVICES LLC.v CAPITAS LTC CARMICHAEL ASSOCIATES CASSANI & ASSOCIATES INS. SVCS., INC. CENCO INSURANCE MARKETING CORP. CLOCK INSURANCE AND FINANCIAL SERVICES CORY STEPANEK. CLTC CPS INSURANCE SERVICES CPS INSURANCE SERVICES CPS/INTEGRATED MARKETING & INS. SVCS. CPS SACRAMENTO DAVID W. WHITE & ASSOCIATES DEALEY RENTON & ASSOCIATES DI & LTC INSURANCE SERVICESv DI BROKER DUNHILL MARKETING & INS. SVCS. INC. EDWARDS/GLICK INSURANCE MARKETING E PRO INSURANCE AGENCY EMERSON REID EQUOTE FINANCIAL GRADE SENIOR CONSULTANTS FINANCIAL PROFESSIONALS FIRST RESOURCE INSURANCE FLEMINGS INSURANCE SERVICES FLYNN ASSOCIATES INS. MARKETING INC. FOULDS & FELDMANN HEALTH INS. AGENCY GENERAL AGENCY INS. DEV. SVCS. (GAIDS) GROUP BENEFITS INC. HIGHLAND CAPITAL BROKERAGE INNOVATIVE SOLUTIONS INS. SVCS. LLC. INSURANCE RESOURCES GROUP JENKINS INSURANCE GROUP J.K. INSURANCE MARKETING INC. JLS F.I.R.M. INC. JOHN HANCOCK FINANCIAL JONES ASSOCIATES FIN. & INS. SVCS. INC. KOUZMANOFF FIN./INS.SOURCES INC. LANDMARK SENIOR RESOURCESv LARRY MEDEIORS LECLAIR CORP. LEISURE WERDEN & TERRY AGENCY LGR INSURANCE GROUP LIFEPRO FINANCIAL SERVICES MADISON BROKERAGE CORP. M&O MARKETING MYERS-STEVENS-MELLO & CO., INS., SVCS. NEW GENERATION INS. MARKETING NORTHSTAR NETWORK INS. AGENCY, INC. PARADIGM INSURANCE MARKETING PERRY FINANCIAL NETWORK INC. PETER TRUMMER INSURANCE THE PRODUCERS GROUP R.H. INSURANCE SERVICES SAVE GAINS TAX SENIOR MARKET SALES STAN ISRAEL INSURANCE SERVICES INC. STREAMLINE BENEFITS TAX & FINANCIAL GROUP TEAM ALVAREZ INSURANCE SERVICES TED ANDERSON INSURANCE SERVICES TRIAD FINANCIAL INS. MARKETING INC. TWH ANNNITIES & INSURANCE AGENCY INC. WALLISER ASSOCIATES INS.AGENCY, INC. W.J. BARRETT INSURANCE AGENCY INC. WORD & BROWN ZENITH MARKETING GROUP Workers’ Comp BELAIR INSURANCE SERVICES BILL PROCTOR & ASSOCIATES INS. INC. DICKERSON EMPLOYEE BENEFITS INS. SVCS. FLEMINGS INSURANCE SERVICES GROUP BENEFITS INC. ITG WORLDWIDE INSURANCE AGENCY JLS F.I.R.M. INC. LISI PETER LYMAN INSURANCE R.H. INSURANCE SERVICESv TRIAD FINANCIAL INS. MARKETING INC. WARNER PACIFIC INSURANCE SERVICES Worksite Marketing AIS ACE BENEFITS GROUP RETIREMENT & INS. BELAIR INSURANCE SERVICES BENEFITMALL BEN-E-LECT BILL PROCTOR & ASSOCIATES INS. INC. CHIMIENTI & ASSOCIATES INSURANCE SVCS. CLOCK INSURANCE AND FINANCIAL SVCS. CMG INSURANCE SERVICES COASTAL FINANCIAL PARTNERS GROUP DI & LTC INSURANCE SERVICES DICKERSON EMPLOYEE BENEFITS INS. SVCS. DI & LTC FLEMINGS INSURANCE SERVICES GROUP BENEFITS INC. LISI PETER LYMAN INSURANCE PRAM INSURANCE SERVICES INC. STREAMLINE BENEFITS SYMETRA LIFE INSURANCE COMPANY TAX & FINANCIAL GROUP TRIAD FINANCIAL INS. MARKETING INC ... Continue Reading →
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Employee Benefits 2014

  Acupuncture COBRA Dental Employee Choice Health Carriers Hearing Plans Prepaid Legal Prescription Psychological Vision Plans Weight Loss Wellness   Acupuncture Choice Builder® Kevin M. Timone, Chief Sales Officer 721 South Parker, Suite 200 Orange, CA 92868 Phone: (866) 412-9254 Fax (866) 412-9261 Email: ktimone@choiceadmin.com Website: www.choicebuilder.com Products/Svcs.: TPUnited A, Employee Choice Ancillary Benefits, Dental, Vision, Chiropractic, Acupuncture, Group Life, Section 125, HR Support, Cal Perks Discounts Min. Case Size: 2-99 –––––––––– Landmark Healthplan of California Contact: Michelle Kulton 1610 Arden Way., Ste. 280 Sacramento, CA 95815 (916) 569-3312 Fax: (916) 646-1263 (800) 298-4875 ext. 3312 Email: mkulton@LHP-CA.com Website: www.LHP-CA.com Plan Type: PPO, EPO, HMO, Self-Funded Products/Svcs.: Acupuncture, Chiropractic Min. Case Size: 2 Serving: Nationwide Chiropractic –––––––––– AmeriPlan USA Contact: SaleS Department 5700 Democracy Dr. Plano, TX 75024 (469) 229-4500 Fax: (469) 229-4115 email: sales@ameriplanusa.com email: MGRSales@ameriplanusa.com Website: www.ameriplanusa.com Products/Services: Discount Chiropractic Benefit, Dental (Group, Ind.); Prescription Drug Card, Vision Serving: Nationwide ———————- ChiroMetrics Michael Richard P.O. Box 25220 Fresno, CA 93729-5220 (559) 447-3375 (877) 519-8839 Fax: (888) 439-4819 Email: michael.richard@chirometricsinc.com Email: jeremy.oswald@chirometricsinc. Website: www.chirometricsinc.com Plan Type: PPO, Self-Funded Serving: Nationwide ––––––––– Choice Builder® Kevin M. Timone, Chief Sales Officer 721 South Parker, Suite 200 Orange, CA 92868 Phone: (866) 412-9254 Fax (866) 412-9261 Email: ktimone@choiceadmin.com Website: www.choicebuilder.com Products/Services: TPA, Employee Choice Ancillary Benefits, Dental, Vision, Chiropractic, Acupuncture, Group Life, Section 125, HR Support, Cal Perks Discounts Min. Case Size: 2-99 –––––––––– Landmark Healthplan of California Contact: Michelle Kulton 1610 Arden Way., Ste. 280 Sacramento, CA 95815 (916) 569-3312 (800) 298-4875 ext 3312 Fax: (916) 646-1263 Email: mkulton@LHP-CA.com Website: www.LHP-CA.com Plan Type: PPO, EPO, HMO, Self-Funded Products/Services: Acupuncture, Chiropractic Min. Case Size: 2 Serving: CA COBRA Advantek Benefit Administrators Contact: Erin Ellis P.O. Box 45007, Fresno, CA 93718 (866) 556-7655 Fax: (559) 228-5460 email: eellis@santehealth.net Website: www.advantekbenefit.com Products/Services: TPA for medical, dental & vision, COBRA/HIPAA, Utilization Management & Disease Management Serving: Nationwide –––––––––– AFLAC, Torrance Contact: Cameron Bell 2390 Crenshaw Blvd., Ste. 307 Torrance, CA 90501 (626) 379-4265 Fax: (909) 266-9622 email: cameron_bell@us.aflac.com Website: www.aflac.com Website: www.aflacforbrokers.com Products: Group (Accident, CI, COBRA, STD, Dental, Hospital, Life), Group Worksite Products with Guarantee Issue. Specializing in Credit Unions Services: Implementation, Employee Communication, One-On-One Enrollments, Cafeteria Plan, Enrollments, Online Enrollments Min. Case Size: 100+ Ind., 100+ Group Serving: CA ––––––––– AFLAC, Los Angeles Contact: Adam Michaels 12121 Wilshire Blvd., Suite 1000 Los Angeles CA 90025 (310) 744-6101 Fax: (310) 744-6199 email: adam_michaels@us.aflac.com Website: www.aflac.com Minimum Group Size: 3 Products/Services: Group & Individual Lines (Accident, CI, Cancer, Hosp., Disability, Life, Dental, Vision) Guarantee Issue, Sec. 125, FSA, Parking & Transit, COBRA, Core Enrollment, Benefit Statements, Per Diem Available Serving: Nationwide ––––––––– Ben-E-Lect Contact: Marketing Department 5429 Avenida de Los Robles, Ste. A Visalia, CA 93291 (559) 733-1240 Fax: (559) 635-6527 Website: www.benelect.com Products: Cafeteria Plans, Debit Card; Dental (group); EOB Concierge; Health (con-sumer-driven, group, HRA, HSA MERP, integrated plans, self-funded ad-ministration); HR; Life (group); Payroll; Vision; Web Portal; Serving: AZ, CA, CO, KS, NV, WA –––––––––– Benesyst, Inc. Contact: Michelle Thompson 14271 Jeffrey Road, Ste.180 Irvine, CA 92620 (949) 433-7951 or (608) 268-8887 email: michelle.thompson@tasconline.com Website: www.benesyst.net www.tasconline.com Products/Services: Spending Acct. Serv-ices (FSA, HRA, HSA, Commuter), COBRA, Retiree Billing, Online Enrollment and Eligibility Management, Tuition Reimbursement Administration, Wellness, Rewards Administration Serving: Nationwide –––––––––– Benaissance/COBRAPoint Contact: John B. Jenkins 11808 Grant St., Ste. 200 68164 Omaha, NE 68106 (402) 884-7021 (877) 884-7021 Ext. 101 Fax: (402) 991-5374 email: john.jenkins@benaissance.com Website: www.benaissance.com Products/Services: Carrier Billing, COBRA, Direct Bill, ARRA, HIPAA, Compliance Administration Software Min.Case Size: 2+ Serving: Nationwide COBRA Plus Contact: James E. Deyo III 3090 Fite Circle, Ste. 101 Sacramento, CA 95827 (916) 363-2172 (888) 90-COBRA (888) 902-6272 email: jdeyo@cobra-plus.com Website: www.cobra-plus.com Products/Services: COBRA/HIPPA Compliance Min. Case Size: 20 Serving: Nationwide –––––––––– CONEXIS Contact: Marc McGinnis 721 S. Parker, Suite 300 Orange, CA 92868 (877) CONEXIS [266-3947] ext. 4623 email: mmcginnis@CONEXIS.com Website: www.conexis.com Products/Services: Employee Benefit Administration – FSA, HRA, HSA, Commuter Benefits, COBRA, and Direct Bill Services Min. Case Size: 2 to Unlimited Serving: Nationwide –––––––––– Ebix Health Contact: Ed Buck 1300 E. Shaw, Ste. 109 Fresno, CA 93710 (877) 805-2828 ext. 250 Fax: (559) 256-100 email: ed.buck@ebix.com Website: www.ebix.com Products/Services: Quoting Group/IFP, Websites, HR connect; HR Support Center, Payroll, COBRA, POP, FSA, EAP, HR Resources, Voluntary Benefits Serving: CA, CT, DE, DC, GA, MD, NH, NJ, NY, OH, OK, PA, TX, VT, VA, WA –––––––––– Infinisource Inc. Contacts: Vicki Burke 15 East Washington St. P.O. Box 889 Coldwater, MI 49036 (517) 489-4581 Fax: (517) 278-0764 email: vburke@infinisource.com Website: www.infinisource.com Products/Services: Workforce Management Administrator for Human Capital Management, COBRA, FSAs, HRAs,HSAs, POP, Time and Attendance, HIPAA, Privacy & Security, Payroll, HR Services, Portability Solutions Serving: Nationwide –––––––––– JHC Insurance Services Contact: Joe Hernandez P.O. Box 3879 Ventura, CA 93006-3879 (805) 644-9678 (888) 542-4467 Fax: (805) 644-9676 email: admin@jhcbenefits.com Website: www.jhcbenefits.com Products/Services: COBRA Medical, Dental, Employee Choice Plans, Online Resources, Prescription Drug, Sec. 125, TPAs, HRAs, FSAs Plan Type: PPO, Employee Choice, EPO, Indemnity Serving: CA –––––––––– OptumHealth Contact: Steve Grunewald P.O. Box 9472, NV960-1000 Minneapolis, MN 55440-9472 (866) 427-6804 email: steve.grunewald@optum.com Website: www.optumhealthfinancial.com Products/Services: HSA (Banking), FSA, HRA, COBRA, Retiree, Transportation Serving: Nationwide ––––––––– PayPro Administrators Contact: Bobbi Hamilton Kaelin for Payroll, FSA, HRA, COBRA, HIPAA, QTA, HRIMS, HRA, HSA, Sec. 125 Contact: Felix Acajabon for Pension & Pension Plan Administration 6180 Quail Valley Ct. Riverside, CA 92507 (800) 427-4549 Fax: (951) 656-9276 (951) 656-9273 Ext. 226 Bobbi (951) 656-9273 Felix email: bobbih@pagroup.us email: felixa@pagroup.us email: sales@pagroup.us Website: www.pagroup.us Products/Services: Flex, HRA, COBRA/HIPAA, Pension and Payroll, Section 125, HRIS –––––––––– Redwood Health Services Contact: John W. Nacol 3510 Unocal Place, Ste. 108 Santa Rosa, CA 95403 (707) 525-4370 Fax: (707) 525-4270 (800) 548-7677 ext.121 email: jnacol@rhs.org Website: www.rhs.org Plan type: PPO, FSA, POP, HRA Products/Services: Health Plans, plus COBRA Administrations, Third Party Administration Min. Case Size: 2-1000 Serving: Nationwide DENTAL Advantek Benefit Administrators Contact: Erin Ellis P.O. Box 45007, Fresno, CA 93718 (866) 556-7655 Fax: (559) 228-5460 email: eellis@santehealth.net Website: www.advantekbenefit.com Products/Services: TPA for medical, dental & vision, COBRA/HIPAA, Utilization Management & Disease Management Serving: Nationwide –––––––––– Aetna Inc. California Contact: Brian Ternan 6303 Owensmouth Ave., Ste. 900 Woodland Hills, CA 91367 (818) 932-6418 Fax: (860) 907-3948 Website: www.aetna.com Plan Type: DMO, PPO, Indemnity, HMO, OAMC, HRA, HSA, MC Products/Services: Dental Plans, Medical Plans & Life & Disability Min. Case Size: 1 Serving: Contact Aetna for Details –––––––––– AFLAC, Los Angeles Contact: Adam Michaels 1212 Wilshire Blvd., Suite 1000 Los Angeles CA 90025 (310) 744-6101 Fax: (310) 744-6199 email: adam_michaels@us.aflac.com Website: www.aflac.com Minimum Group Size: 3 Products/Services: Group & Individual Lines (Accident, CI, Cancer, Hosp., Disability, Life, Dental, Vision) Guarantee Issue, Sec. 125, FSA, Parking & Transit, COBRA, Core Enrollment, Benefit Statements, Per Diem Available Serving: Nationwide –––––––––– AFLAC, Torrance Contact: Cameron Bell 2390 Crenshaw Blvd., Ste. 307 Torrance, CA 90501 (626) 379-4265 Fax: (909) 266-9622 email: cameron_bell@us.aflac.com Website: www.aflac.com Website: www.aflacforbrokers.com Products: Group (Accident, CI, COBRA, STD, Dental, Hospital, Life), Group Worksite Products with Guarantee Issue, specializing in credit unions Services: Implementation, Employee Communication, One-On-One Enrollments, Cafeteria Plan, Enrollments, Online Enrollments Min. Case Size: 100+ Ind., 100+ Group Serving: CA ––––––––– AIG Benefits Solutions Employee Benefits Solutions Contact: Jorge Aldana 777 S. Figueroa St., 17th Flr. Los Angeles, CA 90017 (213) 689-3929 Fax: (866) 716-6722 email: jorge.aldana@aigbenefits.com Website: www.aigbenefits.com Products/Services: Disability, Life, LTC, STD, Voluntary Benefits and Worksite Products Serving: Southern California Area –––––––––– Aigilis Corporation Contact: Mark Gebhardt P.O. Box 953279 Lake Mary, FL 32795 (407) 324-3921 (866) 205-1936 Fax: (480) 287-8574 email: info@aigilis.com Website: www.aigilis.com Products: ACA medical gap plans, accident, critical illness; dental (ind., group) Serving: Nationwide –––––––––– AmeriPlan USA Contact: Sales Department 5700 Democracy Dr. Plano, TX 75024 (469) 229-4500 Fax: (469) 229-4115 email: sales@ameriplanusa.com email: MGRSales@ameriplanusa.com Website: www.ameriplanusa.com Discount Chiropractic Benefit, Dental (Group, Ind.); Prescription Drug Card, Vision Serving: Nationwide –––––––––– Ameritas Contact: Andy Birkel 151 Kalmus Dr., Ste. J4 Costa Mesa, CA 92626-5959 (714) 641-1800 ext. 235 Cell: (949) 214-5662 Fax: (714) 641-4800 email: abirkel@ameritas.com Website: www.ameritasgroup.com Plan Type: PPO, Indemnity, Individual, Self-Funding Products/Services: Dental, Vision, Hearing Min. Case Size: 3 Serving: Nationwide –––––––––– Anthem Blue Cross Contact: Steve Shearer Regional Vice President, Individual and Small Group Sales 4553 La Tienda Dr. Thousand oaks, CA 91362 (800) 699-9356 email: steve.shearer@wellpoint.com Website: www.anthem.com/ca Plan Type: HOM, PPO, EPO, POS Products/Services: Health Carriers Serving: Nationwide –––––––––– Anthem Blue Cross Small Group (2-50 lives) Contact: Christa McConathy, Director, Small Group Specialty Sales 4553 La Tienda Drive Thousand Oaks, CA 91362 (805) 557-4461 email: christa.mcconathy@wellpoint.com Website: www.anthem.com/ca Plan Type: HMO, PPO, Indemnity Products/Services: Dental, Vision Min. Case Size: 2 Serving: Nationwide –––––––––– Anthem Blue Cross Large Group (51+ lives) Contact: Randy Ebersberger, Director of Specialty Sales 801 South Figueroa St. Los Angeles, CA 90017 (213) 553-5429 Email: Randy.Ebersberger@wellpoint.com Website: www.anthem.com/ca Plan Type: HMO, PPO, Indemnity Products/Services: Dental, Vision Min. Case Size: 51+ Serving: Nationwide –––––––––– BEST Life and Health Insurance Company Contact: Jennifer Bolton, VP of Sales and Marketing 2505 McCabe Way Irvine, CA 92614-6243 Contact: Jennifer Bolton (800) 237-8543 Ext. 169 email: jbolton@bestlife.com Website: www.besthealthplans.com Products: Dental (group, PPO & indemnity); Life (group term, guarantee issue); Vision (PPO & Indemnity) Min. Case Size: 2 Serving: 39 States –––––––––– Blue Shield of California Contact: Producer Services (800) 559-5905 email: producerservices@blueshieldca.com Website: www.blueshieldca.com/producer Plan Type: HMO, PPO, ASO Products/Services: Medical, Dental, Life and Vision plans. Min. Case Size: Coverage for individuals, seniors and groups Serving: state-wide, with PPO BlueCard® nationwide –––––––––– Brighter Contact Person: Jason Szczuka 501 Santa Monica Blvd. Suite 403, Santa Monica, CA 90401 Phone: 888-230-4412 Fax: 310-883-2320 Email: info@brighter.com Website: www.brighter.com/pro Minimum Size Employer Group: 1 Please check all that apply: Plan Type: Dental Savings Plan Offered: Individual Group Statewide –––––––––– California CPA ProtectPlus Contact: Tom Kowalski 1800 Gateway Dr., Ste. 201 San Mateo, CA 94404 (650) 522-3251 email: Tom.Kowalski@calcpa.org Website: www.cpaprotectplus.com Min. Case Size: 2 Plan type: Group, HMO, PPO, HSAs Plans Offered: Group Products/Services: Dental, Vision Serving: All Counties –––––––––– California Dental Network Inc. Contact: Joe Vahey 23291 Mill Creek Dr. #100 Laguna Hills, CA 92653 (949) 830-1600 Fax: (949) 830-1655 (877) 4-DENTAL email: joevahey@caldental.net Website: www.caldental.net Plan Type: HMO, PPO, Indemnity Products/Services: Dental Plans Min. Case Size: 2 (plus individual) Serving: Alameda, Amador, Calaveras, Contra Costa, El Dorado, Fresno, Kern, Kings, Los Angeles, Madera, Marin, Mariposa, Merced, Monterey, Napa, Orange, Placer, Riverside, Sacramento, San Benito, San Bernardino, San Diego, San Francisco, San Joaquin, San Mateo, Santa Barbara, Santa Clara, Santa Cruz, Solano, Sonoma, Stanislaus, Sutter, Tuolumne, Ventura, Yolo –––––––––– Choice Builder® Kevin M. Timone, , Chief Sales Officer 721 South Parker, Suite 200 Orange, CA 92868 (866) 412-9254 Fax: (866) 412-9261 Email: ktimone@choiceadmin.com Website: www.choicebuilder.com Products/Services: TPA, Employee Choice Ancillary Benefits, Dental, Vision, Chiropractic, Acupuncture, Group Life, Section 125, HR Support, Cal Perks Discounts Min. Case Size: 2-99 –––––––––– C.F. Russell & Associates Contact: Charles F. Russell 900 San Carlos Way Bakersfield, CA 93309 (661) 398-5694 Fax: (661) 398-5694 email: cfrisl8@bak.rr.com Products/Services: Group and Individual Medical, Dental, Vision, Accident, Supplemental, Life, and Disability; Insured and Self-Funded –––––––––– Cigna HealthCare Inc. 1 Front St., Ste. 700 San Francisco, CA 94111 (415) 374-2590 Fax: (415) 374-2601 Website: www.cigna.com Plan Type: HMO, PPO, OAP, Consumer Directed Health Plans Products/Services: HMO/PPO Medical, DHMO/DPPO Dental, Disability, Life, Vision, Behavioral, International Benefits Serving: Alameda, Butte, Contra Costa, El Dorado, Fresno, Kings, Glenn, Marin, Placer, Sacramento, Santa Clara, Santa Cruz, San Francisco, San Joaquin, San Mateo, Sonoma, Solano, Stanislaus, Tulare, Yolo, Merced, Monterey, Yuba, Napa –––––––––– Cigna HealthCare Inc. 3636 Nobel Dr., #150 San Diego, CA 92122 (858) 625-5600 Fax: (858) 625-5699 Website: www.cigna.com Plan Type: HMO, OAP,PPO, Consumer Directed Health Plans Products/Services: HMO/PPO Medical, DHMO/DPPO Dental, Disability, Life, Vision, Behavioral, International Benefits Serving: San Diego County –––––––––– Cigna HealthCare Inc. 26 Executive Park Irvine, CA 92614 (949) 255-1400 Website: www.cigna.com Plan Type: HMO, OAP,PPO, Consumer Directed Health Plans Products/Services: HMO/PPO Medical, DHMO/DPPO Dental, Disability, Life, Vision, Behavioral, International Benefits Serving: Orange, San Bernardino and Riverside Counties –––––––––– Cigna HealthCare Inc. 400 North Brand Blvd., Ste. 400 Glendale, CA 91203 (818) 500-6262 Fax: (818) 546-5386 Website: www.cigna.com Plan Type: HMO, OAP, PPO, Consumer Directed Health Plans Products/Services: HMO/PPO Medical, DHMO/DPPO Dental, Disability, Life, Vision, Behavioral, International Benefits Serving: Los Angeles, Kern, Ventura, Santa Barbara and San Luis Obispo Counties –––––––––– Cypress Dental & Vision Contact: Sales 7510 Shoreline Dr., Ste. A-1 Stockton, CA 95219 (800) 350-3989 Fax: (209) 478-5614 email: sales@cypressadmin.com Website: www.cypressadmin.com Products/Services: Dental and Vision plans, Fully Insured, TPA, Self-Funded Plans (Group & Individual) Min. Case Size: 1 Serving: CA –––––––––– Dedicated Dental Systems, Inc. Contact: Plan Manager 9800 La Cienega Blvd., Ste. 800 Inglewood, CA 90301 (800) 277-1112 Fax: (866) 647-0699 Plan Type: DHMO Product/Services: Dental Plans Min.Case Size: 3 Serving: CA –––––––––– Delta Dental of California N. California Contact: Kevin O’Toole 100 First St. San Francisco, CA 94105 (415) 972-8300 Fax: (415) 972-8466 Email: ncasales@delta.org S. California Contact: Ben Lowry 17871 Park Plaza Dr., Ste. 200 Cerritos, CA 90703 (562) 403-4040 Fax: (562) 924-3172 Email: scasales@delta.org Website: www.deltadentalins.com Plan Type: PPO, Indemnity, DHMO Products/Services: group, individual and senior dental plans; group vision plans Min. Case size: 5 Serving: CA –––––––––– Denali Dental & Vision Contact: Tom Mayer 325 Cedar St., Ste. 800 St. Paul, MN 55101 (651) 649-3503 (800) 620-5010 Fax: (651) 649-3502 Cell: (612) 708-8448 email: tom@directbenefits.com website: www.denalidental.com Indemnity and PPO Dental and Vision Insur-ance for individuals, seniors and groups Min. Case Size: 1 –––––––––– Dental Alternatives Insurance Services, Inc. Marketing Company for SmileSaver Contact: Marcia Delgado 3720 South Susan St., 2nd Flr. Santa Ana, CA 92704 (800) 445-8119 ext. 228 (714) 429-0200 ext. 228 Cell: (714) 655-0118 Fax: (714) 429-1261 email: mdelgado@gotodais.com Website: www.gotodais.com Plan Type: HMO, PPO, Dual & Triple Option. Services/Plans: Dental & Vision Min. Case Size: 2 Serving: CA ––––––––– Dental Health Services Corporate Office Contact: Josh Nace Maria Escorsia 3833 Atlantic Ave. Long Beach, CA 90807 (562) 595-6000 Fax: (562) 276-1211 email: jnace@dentalhealthservices.com email: mescorsia@dentalhealthservices.com Website: www.dentalhealthservices.com Plan Type: DHMO, Indemnity, PPO, EPO Products/Services: Dental Plans Min. Case Size: 2 Serving: CA, WA, OR –––––––––– DentalInsurance.com Contact: Avery Smith 3030 S. Bundy Dr. Los Angeles, CA 90066 (310) 390-1000 ext. 217 Direct (800) 366-5656 Fax: (310) 390-3158 email: as@kelsey.com Website: www.dentalinsurance.com Plan Type: DHMO, PPO, Indemnity, Discount Products/Services: Dental Insurance Plans Min. Case Size: 1 Serving: Nationwide –––––––––– Direct Benefits, Inc. Contact: Tom Mayer 325 Cedar St., Ste. 800 Saint Paul, MN 55101 (800) 620-5010 (651) 259-6240 Cell: (612) 708-8448 Fax: (651) 649-3502 email: tom@directbenefits.com Website: www.directbenefits.com Products/Services: Dental, Disability, Life and Vision Benefits Serving: Nationwide –––––––––– First Dental Health Contact: Brian Watts 5771 Copley Drive, Ste. 101 San Diego, CA 92111 (858) 444-2608 (800) 334-7244 ext. 2602 Fax: (858) 444-2687 email: bwatts@firstdentalhealth.com Website: www.firstdentalhealth.com Plan Type: Individual and Group Dental Discount Plans, PPO and EPO dental network leasing. Products/Services: Dental Plans Min. Case Size: 1 Serving: Nationwide –––––––––– Guardian Life Insurance Company of America Contact: Joseph Stefano, Director of Sales 4685 MacArthur Court, Ste. 100 Newport Beach, CA 92660 (800) 662-6464 (949) 885-1720 Fax: (949) 885-1747 Email: jstefano@glic.com San Diego Gregg Holdgrafer, District Mgr., San Diego (800) 769-6759 (619) 881-3502 email: gholdgrafer@glic.com Arizona/New Mexico Brady Myers, District Manager, Arizona (602) 567-2572 Email: bmyers1@glic.com Las Vegas Steve Johnson, District Manager, Las Vegas (800) 662-6464 (949) 885-1726 Email: sdjohnson@glic.com Fresno Brady Spencer, District Manager, Fresno, Bakersfield, Santa Barbara (559) 389-5858 Email: bspencer@glic.com Quote Email: surequote@glic.com Website: www.guardianlife.com Plan Type: PPO/DHMO Products/Services: Dental, LTD, Life, STD, Vision, All available in Voluntary, Contrib. & Non-Contrib. Min. Case Size: 2-5000 Serving: Nationwide –––––––––– Health Net of California Contact: Broker Services Dept. P.O. Box 1150 Rancho Cordova, CA 95741-1150 (800) 909-3447 option 1,4 Fax: (877) 977-2947 email: brokers@healthnet.com Website: www.healthnet.com Plan Type: HMO, PPO, POS, Indemnity, out-of-state PPO, and Medicare Products/Services: Health Carriers, Dental, Vision Min. Case Size: 2 Plans Offered: Group, Ind Serving: CA –––––––––– Humana Specialty Benefits Contact: Jeff Ayler 3111 Camino Del Rio N., Ste. 400 San Diego, CA 92108 (619) 846-9394 Fax: (619) 692-9671 email: jayler@humana.com Website: www.humana.com Products/Services: Dental, Vision, Group Term Life, Disability Income, Voluntary Benefits, Critical Illness, Cancer, Accident, HumanaVitality (wellness solution). Min Case Size: 2 –––––––––– IHC Health Solutions Contact: Jared Johnson 5353 Wayzata Blvd., Suite #300 Minneapolis, MN 55416 (866) 415-3530 (866) 746-6610 Fax: (952) 746-6635 email: jared.johnson@ihcgroup.com Plan Type: Indemnity, PPO, EPO Products/Services: Dental and Vision Plans Min. Case Size: Individual and groups of 2 or more Serving: Nationwide –––––––––– Liberty Dental Plan Contact: Marsha Hazlewood P.O. Box 26110 Santa Ana, CA 92799-6110 (888) 703-6999 ext. 203 (949) 223-8927 Fax: (949) 270-0114 email: hazlewood@libertydentalplan.com Website: www.libertydentalplan.com Plan Type: Dental HMO, Dental ASO, Discount/Access Dental, Dental PPO, Vision Min. Case Size: 3 Serving: Alameda, Contra Costa, El Dorado, Fresno, Imperial, Kern, Kings, Los Angeles, Madera, Marin, Orange, Placer, Riverside, Sacramento, San Benito, San Bernardino, San Diego, San Francisco, San Joaquin, San Mateo, Santa Barbara, Santa Clara, Santa Cruz, Solano, Sonoma, Stanislaus, Tulare, Ventura, Yolo –––––––––– Magnum Dental & Vision Contact: Tom Mayer 325 Cedar St., Ste. 800 St. Paul, MN 55101 (651) 649-3503 (800) 620-5010 Cell: (612) 708-8448 email: tom@directbenefits.com Website: www.magnumdental.com Indemnity and PPO Dental and Vision Insurance for Individual and Groups 2-125 –––––––––– Managed Dental Care The Guardian Contact: Candee Bolyog 21820 Burbank Blvd., Ste. 200 Woodland Hills, CA 91367 (818) 596-5825 (800) 273-3330 Fax: (818) 596-5891 email: candee_bolyog@glic.com Plan Type: DHMO, PPO Products/Services: Dental Plans Min.Case Size: 10 Serving: Alameda, Bakersfield, Contra Costa, Fresno, Kern, Los Angeles, Marin, Orange, Placer, Riverside, Sacramento, San Bernardino, San Diego, San Francisco, San Joaquin, San Mateo, Santa Barbara, Santa Clara, Stanislaus, Ventura –––––––––– MWG Dental Plan & Vision Plan Contact: Robin Williams P.O. Box 14067 Jackson, MS 39236 5712 I-55 N. Frontage Rd. Jackson, MS 39211 (601) 956-2028 ext. 116 (800) 800-1397 Fax: (601) 956-1702 email: robin.williams@morganwhite.com Website: www.mwgdental.com Plan Type: Group Indemnity, PPO Products/Services: Dental (group, ind.), Vision Min. Case Size: 2 Serving: Nationwide –––––––––– Newport Dental Plan Contact: Lanchi Hua 8105 Irvine Center Dr., Ste. 1500 Irvine, CA 92618 (714) 668-1300 (800) 49-SMILE Fax: (714) 428-1375 email: lanchi.hua@smilebrands.com Website: www.smilebrands.com Plan Type: DHMO Products/Services: Dental Plans Min. Case Size: 2 Serving: CA –––––––––– Premier Access Dental and Vision Contact: Richard Fulton 8890 Cal Center Dr. Sacramento, CA 95826 (888) 326-3210 Fax: (916) 646-9000 email: richard@premierlife.com Website: www.premierlife.com Plan Type: DHMO, DMO, PPO, Indemnity, Self-Funded, Voluntary Products/Services: Dental Plans & Vision Plans Min. Case Size: 1 (Dental) 10 (Vision) Serving: AZ, CA, CT, CO, KY, TX, NJ, NV, PA, UT, VA –––––––––– PrimeCare Dental Plan Contact: David S. Teran IV 10700 Civic Center Dr., Ste. 100A Rancho Cucamonga, CA 91730 (800) 937-3400 (909) 483-8310 Fax: (909) 483-5351 email: dteran@primecaredental.net Website: www.primecaredental.net Plan Type: DHMO, DPPO Individual, Group Products/Services: Dental Min.Case Size: 1 Serving: Alameda, Butte, Colusa, Contra Costa, El Dorado, Fresno, Glenn, Kern, Kings, Los Angeles, Madera, Mariposa, Merced, Monterey, Napa, Nevada, Orange, Placer, Riverside, Sacramento, San Benito, San Bernardino, San Luis Obispo, San Diego, San Francisco, San Joaquin, San Mateo, Santa Barbara, Santa Clara, Santa Cruz, Shasta, Siskiyou, Solano, Sonoma, Stanislaus, Sutter, Tehama, Tulare, Tuolumne, Ventura, Yolo, Yuba –––––––––– Securian Dental Contact: Shayna Ray P.O. Box 47 Minneapolis, MN 55440-0047 (866) 827-3318 ext. 2096 Fax: (651) 994-5020 email: sray@securiandental.com Website: www.securiandental.com Plan Type: PPO, Indemnity Products/Services: Dental Plans Serving: Nationwide –––––––––– Security Life Contact: Ted Williams 10901 Red Circle Drive Minnetonka, MN 55347 (952) 945-3534 (800) 328-4667 ext. 3534 email: ted.williams@securitylife.com Website: www.securitylife.com Plan Type: PPO, Indemnity Plan Offered: Individual, Group Product/Services: Dental Plans, Vision (group) Serving: Statewide –––––––––– SeeChange Health Insurance Company, Inc. Contact: Alex Munoz 24025 Park Sorrento, Suite 100 Calabasas, CA 91302 (888) 237-6650 email: sales@SeeChangeHealth.com Website: www.SeeChangeHealth.com www.SeeChangeHealth.com/brokers Min Case Size: 1 Plan Type: Group, PPO, Employee Option, HSAs, HRA Plans Offered: Group Value-Based Benefits, Group Life, Dental Serving: Statewide –––––––––– Spirit Dental & Vision Contact: Tom Mayer 325 Cedar St., Ste. 800 St. Paul, MN 55101 (651) 649-3503 (800) 620-5010 Fax: (651) 649-3502 Cell: (612) 708-8448 email: info@spiritdental.com Website: www.spiritdental.com Products/Services: Individual, Senior and Group 2-149 Dental and Vision Insurance –––––––––– TripleChoicePlan Contact: Lawrence V. Kent 1964 Westwood Blvd., Ste. 120 Los Angeles, CA 90025 (310) 470-2343 ext. 0 (800) 489-7577 Fax: (310) 441-5660 email: info@triplechoiceplan.com email: la.quotes@triplechoiceplan.com Website: www.triplechoiceplan.com Products/Services: Dental Plan type: DHMO, PPO, Indemnity, Individual and Group Min. Case Size: 2 Serving: Statewide –––––––––– United Concordia Companies Inc. Contact: Laurie S. Laspina Vice President, Western Division 21700 Oxnard, Ste. 500 Woodland Hills, CA 91367 (818) 936-1371 email: laurie.laspina@ucci.com Website: www.ucci.com Plan Type: DHMO, FFS, PPO, ASO Products/Services: Dental Plans Min. Case Size: 10 Serving: Nationwide –––––––––– UnitedHealthcare Dental Contact: Hether Lee Regional VP of Specialty Benefits 5 Centerpointe Dr., Suite 600 Lake Oswego, OR 97035 (971) 258-7929 Website: www.uhcspecialtybenefits.com Products/Services: Vision, Dental, Life & Disability Serving: Nationwide –––––––––– Vision Plan of America Individual Vision & Dental Employer Paid & Voluntary Group Vision Benefits (2+) (800) 400-4VPA (4872) (Vision Plan of America) Contact: Marketing Department 3255 Wilshire Blvd., Ste. 1610 Los Angeles, CA 90010 (213) 384-2600 ext. 109 (800) 400-4-VPA ext. 109 Fax: (213) 384-0084 email: phillip@visionplanofamerica.com email: peter@visionplanofamerica.com Website: www.visionplanofamerica.com Products/Services: Vision(ind., group), Dental Plans (ind., group) Plan Type: HMO, Voluntary Min. Case Size: 2 Serving: California –––––––––– Western Dental Services Inc. Contact: Sales & Marketing Dept. P.O. Box 14227 Orange, CA 92863 (714) 571-3649 (800) 417-4444 Fax: (714) 571-3628 email: prunnoe@westerndental.com Website: www.westerndental.com Plan Type: HMO, PPO, Indemnity Products/Services: Dental Min. Case Size: 2 Serving: CA Employee Choice CaliforniaChoice® Kevin M. Timone, Chief Sales Officer 721 South Parker, Suite 200 Orange, CA 92868 (800) 542-4218 Fax: (714) 542-4244 Email: ktimone@choiceadmin.com Website: www.calchoice.com Products/Services: TPA, Employee Choice (HMO/PPO/HSAs), Ancillary Benefits, Dental, Vision, Chiropractic, Acupuncture, Group Life, Payroll Services, Cal Perks Discounts, HR Support Min. Case Size: 2-50 CaliforniaChoice 51+ Kevin M. Timone, Chief Sales Officer 721 South Parker, Suite 200 Orange, CA 92868 Phone: (866) 226-7431 Fax: (714) 347-3840 Email: ktimone@choiceadmin.com Website: www.calchoiceplus.com Products/Services: TPA, Employee Choice (HMO/PPO/HSAs), Ancillary Benefits, Dental, Vision, Chiropractic, Acupuncture, Group Life, Cal Perks Discounts, HR Support Min. Case Size: 51-199 –––––––––– Choice Builder® Kevin M. Timone, , Chief Sales Officer 721 South Parker, Suite 200 Orange, CA 92868 Phone: (866) 412-9254 Fax: (866) 412-9261 Email: ktimone@choiceadmin.com Website: www.choicebuilder.com Products/Services: TPA, Employee Choice Ancillary Benefits, Dental, Vision, Chiropractic, Acupuncture, Group Life, Section 125, HR Support, Cal Perks Discounts Min. Case Size: 2-99 –––––––––– Contractor’s Choice® Constance Sullivan, Vice President 721 South Parker, Suite 200 Orange, CA 92868 Phone: (866) 358-9456 Fax: (714) 542-9309 Email: csullivan@contractorschoice.net Website: www.contractorschoice.net Products/Services: TPA, Employee Choice (HMO/PPO), Ancillary Benefits, Dental, Vision, Group Life Min. Case Size: 5 –––––––––– Covered California Small Business Health Options Program (SHOP) Contact: Chris Patton, VP of Shop Sales P.O. Box 7010 Newport Beach, CA 92660 (949) 885-4739 (877) 453-9198 Fax: (949) 809-3264 Email: cpatton@pinnacletpa.com Email: shopquotes@pinnacletpa.com Website: www.coveredca.com/small-business #HMO Plans: Based on CA Region #PPO Plans: Based on CA Region Min. Case Size: 1-50 Co-Pay Options: Multiple Options, Call for Details Serving: Statewide –––––––––– Ebix Health Contact: Ed Buck 1300 E. Shaw, Ste. 109 Fresno, CA 93710 (877) 805-2828 ext. 250 Fax: (559) 256-1009 email: ed.buck@ebix.com Website: www.ebix.com Products/Services: Quoting Group/IFP, Websites, HR connect; HR Support Center, Payroll, COBRA, POP, FSA, EAP, HR Resources, Voluntary Benefits Serving: CA, CT, CO, DE, DC, FL, GA, MD, MO, NH, NJ, NY, OH, OK, PA, TX, VT, VA, WA Health Carriers Aetna Inc. California Contact: Brian Ternan 6303 Owensmouth Ave., Ste. 900 Woodland Hills, CA 91367 (818) 932-6418 Fax: (860) 907-3948 Website: www.aetna.com Plan Type: DMO, PPO, Indemnity, HMO, OAMC, HRA, HSA, MC Products/Services: Dental Plans, Medical Plans, Life & Disability Min. Case Size: 1 Serving: Contact Aetna for Details –––––––––– AFLAC, Torrance Contact: Cameron Bell 2390 Crenshaw Blvd., Ste. 307 Torrance, CA 90501 (626) 379-4265 Fax: (909) 266-9622 email: cameron_bell@us.aflac.com Website: www.aflac.com Website: www.aflacforbrokers.com Products: Group (Accident, CI, COBRA, STD, Dental, Hospital, Life), Group Work-site Products with Guarantee Issue. Services: Implementation, Employee Com–munication, One-On-One Enrollments, Caf-eteria Plan, Enrollments, Online Enrollments Min. Case Size: 100+ Ind., 100+ Group Serving: CA ––––––––– AFLAC, Los Angeles Contact: Adam Michaels 12121 Wilshire Blvd., Suite 1000 Los Angeles CA 90025 (310) 744-6101 Fax: (310) 744-6199 email: adam_michaels@us.aflac.com Website: www.aflac.com Minimum Group Size: 3 Products/Services: Group & Individual Lines (Accident, CI, Cancer, Hosp., Disability, Life, Dental, Vision) Guarantee Issue, Sec. 125, FSA, Parking & Transit, COBRA, Core Enrollment, Benefit Statements, Per Diem Available Serving: Nationwide ––––––––– Anthem Blue Cross Contact: Steve Shearer, Regional Vice President, Individual & Small Group Sales 4553 La Tienda Dr. Thousand Oaks, CA 91362 (800) 699-9356 email: steve.shearer@wellpoint.com Website: www.anthem.com/ca Plan Type: HMO, PPO, EPO, POS Products/Services: Health Carriers Serving: Nationwide –––––––––– Blue Shield of California Contact: Producer Services (800) 559-5905 producerservices@blueshieldca.com Website: www.blueshieldca.com/producer Plan Type: HMO, PPO, ASO Products/Services: Medical, Dental, Life and Vision plans. Min. Case Size: Coverage for individuals, seniors and groups Serving: state-wide, with PPO BlueCard® nationwide –––––––––– CaliforniaChoice® Kevin M. Timone, Chief Sales Officer 721 South Parker, Suite 200 Orange, CA 92868 Phone: (800) 542-4218 Fax: (714) 542-4244 Email: ktimone@choiceadmin.com Website: www.calchoice.com Products/Services: TPA, Employee Choice (HMO/PPO/HSAs), Ancillary Benefits, Dental, Vision, Chiropractic, Acupuncture, Group Life, Payroll Services, Cal Perks Discounts, HR Support Min. Case Size: 2-50 –––––––––– CaliforniaChoice 51+ Kevin M. Timone, Chief Sales Officer 721 South Parker, Suite 200 Orange, CA 92868 Phone: (866) 226-7431 Fax: (714) 347-3840 Email: ktimone@choiceadmin.com Website: www.calchoiceplus.com Products/Services: TPA, Employee Choice (HMO/PPO/HSAs), Ancillary Benefits, Dental, Vision, Chiropractic, Acupuncture, Group Life, Cal Perks Discounts, HR Support Min. Case Size: 51-199 –––––––––– California CPA ProtectPlus Contact: Tom Kowalski 1800 Gateway Dr., Ste. 201 San Mateo, CA 94404 (650) 522-3251 email: Tom.Kowalski@calcpa.org Website: www.cpaprotectplus.com Min. Case Size: 2 Plan type: Group, HMO, PPO, HSAs Plans Offered: Group Products/Services: Medical, Dental, Vision Serving: All Counties –––––––––– C.F. Russell & Associates Contact: Charles F. Russell 900 San Carlos Way Bakersfield, CA 93309 (661) 398-5694 Fax: (661) 398-5694 email: cfrisl8@bak.rr.com Products/Services: Medical, Dental, Health, Life, Vision and Disability –––––––––– Cigna HealthCare Inc. 1 Front St., Ste. 700 San Francisco, CA 94111 (415) 374-2590 Fax: (415) 374-2601 Website: www.cigna.com Plan Type: HMO, PPO, OAP, Consumer Directed Health Plans Products/Services: HMO/PPO Medical, DHMO/DPPO Dental, Disability, Life, Vision, Behavioral, International Benefits Serving: Alameda, Butte, Contra Costa, El Dorado, Fresno, Kings, Glenn, Marin, Placer, Sacramento, Santa Clara, Santa Cruz, San Francisco, San Joaquin, San Mateo, Sonoma, Solano, Stanislaus, Tulare, Yolo, Merced, Monterey, Yuba, Napa ——- Cigna HealthCare Inc. 3636 Nobel Dr., #150 San Diego, CA 92122 (858) 625-5600 Fax: (858) 625-5699 Website: www.cigna.com Plan Type: HMO, OAP,PPO, Consumer Directed Health Plans Products/Services: HMO/PPO Medical, DHMO/DPPO Dental, Disability, Life, Vision, Behavioral, International Benefits Serving: San Diego County –––––––––– Cigna HealthCare Inc. 26 Executive Park Irvine, CA 92614 (949) 251-0282 Website: www.cigna.com Plan Type: HMO, OAP,PPO, Consumer Directed Health Plans Products/Services: HMO/PPO Medical, DHMO/DPPO Dental, Disability, Life, Vision, Behavioral, International Benefits Serving: Orange, San Bernardino and Riverside Counties –––––––––– Cigna HealthCare Inc. 400 North Brand Blvd., Ste. 400 Glendale, CA 91203 (818) 500-6262 Fax: (818) 546-5386 Website: www.cigna.com Plan Type: HMO, OAP, PPO, Consumer Directed Health Plans Products/Services: HMO/PPO Medical, DHMO/DPPO Dental, Disability, Life, Vision, Behavioral, International Benefits Serving: Los Angeles, Kern, Ventura, Santa Barbara and San Luis Obispo Counties –––––––––– Contractor’s Choice® Constance Sullivan, Vice President 721 South Parker, Suite 200 Orange, CA 92868 Phone: (866) 358-9456 Fax: (714) 542-9309 Email: csullivan@contractorschoice.net Website: www.contractorschoice.net Products/Services: TPA, Employee Choice (HMO/PPO), Ancillary Benefits: Dental, Vision, Group Life Min. Case Size: 5 –––––––––– Covered California Small Business Health Options Program (SHOP) Contact: Chris Patton, VP of Shop Sales P.O. Box 7010 Newport Beach, CA 92660 (949) 885-4739 (877) 453-9198 Fax: (949) 809-3264 Email: cpatton@pinnacletpa.com Email: shopquotes@pinnacletpa.com Website: www.coveredca.com/small-business Plan Type: Group, HMO, PPO, Employee Choice Plans Offered: Group Min. Case Size: 1-50 Co-Pay Options: Multiple Options, Call for Details Serving: Statewide –––––––––– Fringe Benefit Group-Framework Health Plan Contact: Carla Goodwin 11910 Anderson Mill Road Austin, TX 78726 (512) 827-5351 (800) 551-3424 Fax: (512) 827-4351 email: cgoodwin@fibi.com email: cgoodwin@framebenefits.com Website: www.frameworkhealthplan.com Min. Case Size; 51 Plan Type: Group Limited Benefits –––––––––– Health Net of California Contact: Broker Services Dept. P.O. Box 1150 Rancho Cordova, CA 95741-1150 (800) 909-3447 option 1,4 Fax: (877) 977-2947 email: brokers@healthnet.com Website: www.healthnet.com Plan Type: HMO, PPO, POS, Indemnity, out-of-state PPO, and Medicare Products/Services: Health Carriers, Dental, Vision Min. Case Size: 2 Plans Offered: Group, Individual Serving: CA –––––––––– Kaiser Permanente of California Contact: Broker Compensation Services 3100 Thornton Ave. Burbank, CA 91504 (800) 440-2323 Fax: (855) 577-2963 Website: www.brokernet.kp.org www.kp.org/choosebetter Products/Services: Health Carriers Min. Case Size: 2 Plan Type: HMO, PPO, POS (including Deductible HMO, HSA and HRA plans) Plans Offered: Group, Individual, Medicare, Occupational Health Kaiser Permanente Serving N. CA: Alameda, Amador*, Contra Costa, El Dorado*, Fresno*, Kings*, Madera*, Marin, Mariposa*, Napa*, Placer*, Sacramento, San Francisco, San Joaquin, San Mateo, Santa Clara*, Solano, Sonoma*, Stanislaus, Sutter*, Tulare*, Yolo*, Yuba* (*indicates partial counties) Kaiser Permanente Serving S. CA: Imperial*, Kern*, Los Angeles*, Orange, Riverside*, San Bernardino*, San Diego*, Ventura* (*indicates partial counties) –––––––––– Redwood Health Services Contact: John Nacol 3510 Unocal Place, Ste. 108 Santa Rosa, CA 95403 (707) 525-4370 (800) 548-7677 Ext. 121 Fax: (707) 525-4270 email: jnacol@rhs.org Website: www.rhs.org Plan Types Offered: PPO, FSA, POP, HRA Products/Services: Health Plans, plus COBRA Administration, Third Party Administration Min. Case Size: 2-1,000 Serving: Nationwide –––––––––– Scan Health Plan Contact: Edith Monge 3800 Kilroy Airport Way, Ste. 100 Long Beach, CA 90806 (562) 989-5106 Fax: (562) 989-5153 email: EMonge@scanhealthplan.com Website: www.scanhealthplan.com Plan Type: HMO, MA-PD Products/Services: Medicare Advantage, Employer Group Retiree Benefits Serving: Los Angeles, Orange, Riverside, San Bernardino, Ventura, Contra Costa, Santa Clara, San Francisco, San Joaquin and San Diego Counties. We also serve Pima and Maricopa County, AZ –––––––––– SeeChange Health Insurance Company, Inc. Contact: Alex Munoz 24025 Park Sorrento, Ste. 100 Calabasas, CA 91302 (888) 237-6650 email: sales@SeeChangeHealth.com Website: www.SeeChangeHealth.com www.SeeChangeHealth.com/brokers Min Case Size: 1 Plan Type: Group, PPO, Employee Option, HSAs, HRA Plans Offered: Group Value-Based Benefits, Group Life Serving: Statewide –––––––––– Sekure Healthcare Jim Arriola, CEO or Jose Aroeste, CFO 601-C E. Palomar St., Ste 452 Chula Vista, CA 91911 (619) 318-1734 Cell: (619) 210-4836 Fax: (619) 482-0855 email: jarriola@MySekure.com Plan Type: Group, PPO, Limited Benefits Plans Offered: Group Min Case Size: 5 Serving: CA –––––––––– Sharp Health Plan Contact: Michael Byrd Chief Business Development Officer 8520 Tech Way, Suite 200 San Diego, CA 92123 (858) 499-8377 (800) 359-2002 Fax: (858) 499-8244 email: Michael.Byrd@sharp.com Website: www.sharphealthplan.com Plan Type: HMO, PPO, POS Products/Services: Individual, Small Group, Large Group, Min. Case Size: 2 Serving: San Diego, S. Riverside Counties –––––––––– Symetra Life Insurance Company Contact: Bill Edrington, Managing Director, Marketing & Business Development, Benefits Division 777 108th Ave. NE, Ste. 1200 Bellevue, WA 98004 (800) 796-3872 (678) 728-1541 Fax: (866) 532-1362 email: GRPLIF@symetra.com Website: www.symetra.com Plan type: Limited Benefit Medical Products/Services; Health Carriers, Group Life, AD&D, Medical Stop Loss, Critical Illness Min. employer group size: Varies by product Serving: Nationwide, state availability varies by product –––––––––– UnitedHealthCare National Accounts 425 Market Street, 14h Floor San Francisco, CA 94105 (888) 842-4571 (800) 357-0978 Fax: (415) 546-3330 Website: www.uhc.com Plan Type: PPO, POS, EPO, CDH, Indemnity Products/Services: Health Carriers Min. Case Size: +3,000 employees Serving: Nationwide –––––––––– UnitedHealthcare Small/Mid/Large Business Contact: Tim Rhatigan 5701 Katella Ave. Cypress, CA 90630 (714) 226-7798 email: tim.rhatigan@uhc.com Website: www.uhc.com Plan Type: PPO, HSA, HRA, ASO, HMO, POS Products/Services: Health Carriers Min. Case Size: 2+employees Serving: CA –––––––––– Western Health Advantage Contact: Elizabeth Hargett 2349 Gateway Oaks Dr., Ste. 100 Sacramento, CA 95833 (916) 563-3198 Fax: (916) 568-1338 email: whasales@westernhealth.com Website: www.westernhealth.com Plan Type: HMO Products/Services: Health Carriers Min. Case Size: 2 Serving: El Dorado, Marin, Napa, Placer, Sacramento, Solano, Sonoma, Yolo Counties Hearing Benefits Ameritas Contact: Andy Birkel 151 Kalmus Dr., Ste. J4 Costa Mesa, CA 92626-5959 (714) 641-1800 ext. 235 Fax: (714) 641-4800 email: abirkel@ameritas.com Website: www.ameritasgroup.com Plan Type: PPO, Indemnity, Individual, Self-Funding Products/Services: Dental, Vision, Hearing Min. Case Size: 3 Serving: Nationwide –––––––––– Beltone Hearing Healthcare Network Contact: Dawn Belter 2601 Patriot Blvd. Glenview, IL 60026 (800) 621-1275 ext. 3771 Fax: (847) 832-3665 email: belterd@beltone.com Website: www.beltone.com Products/Services: Hearing Benefits and Services Serving: Nationwide –––––––––– Epic Hearing HealthCare 3191 W. Temple Ave, Ste 200 Pomona CA 91768 (877) 606-3742 Fax: (909) 718-8457 email: sales@epichearing.com Website: www.epichhearing.com Products/Services: Ancillary Hearing Benefits, ASO and Insured Indemnity Plans for hearing not covered by major medical Serving: Nationwide ––––––––– Vision Service Plan (VSP) N. & Central CA Contact: Kate Lawrence (800) 852-7600, Ext. 4817 Cindy Holmes, Ext. 4801 S. CA Contact: Polly Hudson (800) 852-7600 Ext.4816 Karen Schnabel, Ext. 4757 3333 Quality Dr. Rancho Cordova, CA 95670 Fax: (916) 463-3926 email: cindy.holmes@vsp.com email: kate.lawrence@vsp.com email: pj.hudson@vsp.com email: karen.schnabel@vsp.com Website: www.vsp.com Products/Services: Employer Paid Plan down to 2 and Voluntary Plans down to 10 enrolled Min. Case Size: 2 Serving: Nationwide Prepaid Legal ARAG Contact: Sales Support 400 Locust Street, Ste. 480 Des Moines, IA 50309 (800) 888-4184, ext. 237 Fax: (515) 246-8710 email: info@araggroup.com Website: www.araggroup.com Products/Services: Legal Plans Serving: Nationwide –––––––––– Hyatt Legal Plans A MetLife Company Contact: Marcia L. Bowers 1111 Superior Avenue Cleveland, OH 44114 (800) 423-0300 Fax: (216) 694-4305 email: mbowers@legalplans.com Website: www.legalplans.com Products/Services: Legal Plans Serving: Nationwide –––––––––– Legal Access/LegalEase Contact: Mark Torrison 5850 San Felipe St., Ste. 600 Houston, TX 77057 (800) 562-2929 Ext. 3700 Fax: (713) 785-1189 email: mark_torrison@legalaccessplans.com Website: www.legalaccessplans.com Min Case Size: 1 Products/Services: Legal Plans, Identity Theft Protection, Financial Planning, Financial Counseling, Small Business HR Plan, Elder Law Serving: Nationwide –––––––––– Legal Club of America Contact: Donald A. Rowe, RHU 7771 W. Oakland Park Blvd. #217 Sunrise, FL 33351 (800) 852-6829, ext. 103 Fax (954) 377-0245 email: Drowe@legalclub.com Website: www.legalclub.com Product/Services: Group Legal and ID Theft programs. Together or stand alone. Available for groups of 10 lives and up. Serving: Nationwide –––––––––– Legal Shield Contact: Tony Guide Southwest Regional Manager-Broker Division 31300 Hickory Temecula, CA 92592 Office: (951) 541-9303 Cell: (951) 265-4623 Fax: (951) 541-9701 email: TonyGuide@legalshieldcorp.com Website: www.legalshield.com/brokeragent Products/Services: Legal and Identity Theft Protection Plans Serving: Nationwide –––––––––– Legal Shield Contact: Leland Burton P. O. Box 92586 Long Beach, CA 90809 (310) 712-1931 email: lburton33@legalshieldassociates.com www.legalsheildassociates.com/lburton33 Products/Services: Legal Service Plans, Small Business and Group Benefits Qualified Serving: Nationwide –––––––––– U.S. Legal Services 8133 BayMeadows Way Jacksonville, FL 32256 email: uslegalservicesteam@gmail.com Website: www.uslegalservices.net Products/Services: Comprehensive legal benefit plans Prescription Drug Aigilis Corporation Contact: Mark Gebhardt P.O. Box 953279 Lake Mary, FL 32795 (407) 324-3921 (866) 205-1936 Fax: (480) 287-8574 email: info@aigilis.com Website: www.aigilis.com Products: ACA medical GAP plans, Accident; Critical Illness; Dental (ind., group) Serving: Nationwide –––––––––– AmeriPlan USA Contact: Sales Department 5700 Democracy Dr. Plano, TX 75024 (469) 229-4500 Fax: (469) 229-4115 email: sales@ameriplanusa.com email: MGRSales@ameriplanusa.com Website: www.ameriplanusa.com Product/Services: Discount Chiropractic Benefit, Dental (Group, Ind.); Prescription Drug Card, Vision Serving: Nationwide –––––––––– The California Rx Card Program Free Prescription Drug Card Contact: Edward J. Brown III 721 S. Parker, Ste. 300 Orange, CA 92868 (888) 545-1120 Ext. 314 (949) 636-2025 email: ebrown@californiarxcard.com Web site: www.californiarxcard.com Products/Services: Presciption Assistance Program Discount Card –––––––––– CatamaranRx Contact: Brett Boyd 853 E. Fieldstone Pl. Chandler, AZ 85249 email: brett.boyd@catamaranrx.com Website: www.sxc.com (480) 802-5616 (516) 319-0709 Products/Services: Prescription Drug Min. Case Size: 500 Serving: Nationwide –––––––––– Citizens Rx Contact: Aiden Tuite 1144 Lake St. Oak Park, IL 60301 (888) 545-1120 Ext. 314 email: atuite@citizensrx.com Website: www.citizensrx.com Products/Services: Prescription Drug Plans ––––––––– Health Net of California Contact: Broker Services Dept. P.O. Box 1150 Rancho Cordova, CA 95741-1150 (800) 909-3447 option 1, 4 Fax: (877) 977-2947 email: brokers@healthnet.com Website: www.healthnet.com Plan Type: HMO, PPO, POS, Indemnity, out-of state PPO, and Medicare Products/Services: Prescription Drug Serving: CA –––––––––– Pram Insurance Services Inc. Contact: David P. Wilson, CEO 711 East Imperial Highway, Ste. 100 Brea, CA 92821 (714) 671-3951 ext. 12 Cell (714) 904-7850 Fax: (714) 255-0977 email: dwilson@pram.com Website: www.pram.com Products: Limited Benefit and Indemnity Plans; MGU for Fully Insured Prescription Drug Card Plans for Traditional Employers, Associations; Voluntary Plans; Worksite; Services: National Registered Administrator “TPA”; PBM Pharmacy Auditing for Employer Plans Serving: Nationwide –––––––––– RxReins, Inc. Contact: Crystal Williams P.O. Box 2284 Palm Springs, CA 92263-2284 (888)-RxReins Fax: (760) 262-3178 email: cwilliams@rxreins.com Website: www.rxreins.com Products: Dental (group); Prescription Drug Card, Vision Serving: Nationwide –––––––––– TADCO Capital Insurance Managers Inc. Contact: Todd Davis 3534 Bee Cave Rd., #214, Austin, TX 78746 (512) 306-9688 (800) 233-6145 Fax: (512) 306-9691 email: tdavis@capinsmgr.com Website: www.capitalinsurancemanagers.com Products/Services: Stand Alone Prescription Drug Cards (fully insured, self-funded and discount) Min. Group Size: 5 Serving: Nationwide –––––––––– Tricast Inc. Contact: Rob Bigalke 10400 W. Innovation Dr., Ste. 310 Milwaukee, WI 53226 (414) 302-9733 ext. 208 (888) 321-2021 Fax: (414) 302-9837 email: rob.bigalke@tricast.com Website: www.tricast.com Products/Services: Audit, PBM RFPs, Pre-scription Drug Plans, Sec. 125, Surveillance, Wellness, Fraud, Waste and Abuse Min. Case Size: 25 Serving: Nationwide –––––––––– US Script, Inc. Contact: Elisa McNamara 2425 W. Shaw Ave. Fresno, CA 93711 (559) 244-3790 (800) 413-7721 Fax: (559) 244-3793 email: emcnamara@usscript.com Website: www.usscript.com Products/Services: Pharmacy Benefit Manager, Prescription Drug consulting Min. Case Size: N/A Serving: Nationwide Psychological Plans Avante Behavorial Health Contact: Dennis Bourdo 1111 E. Herndon Ave., Ste. 308 Fresno, CA 93720 (559) 261-9060 (800) 498-9055 Fax: (559) 261-9073 email: dbourdo@avantehealth.com Website: www.avantebehavioral.com Min. Size Employee Group: EAP 5; Behavioral 100 Products/Services: Mental Health, EAP, Chemical Dependency Serving: Fresno, Kern, Kings, Madera, Mariposa, Merced, Monterey, San Benito, San Luis Obispo, Santa Barbara, Shasta, Tulare, Ventura ––––––––– Claremont EAP Contact: Lori Slez 1050 Marina Village Pkwy., Ste. 203 Alameda, CA 94501 (800) 834-3773 Fax: (925) 377-0653 email: lslez@claremonteap.com Website: www.claremonteap.com Products/Services: Employee Assistance Program, Mental Health and Chemical Dependency Benefit Administration. Min. Case Size: 5 Serving: National –––––––––– Community Action EAP (­Non-Profit) Contact: Robert Bruner 1481 Ford St., Ste. 201 Redlands CA. 92373 (800) 777-9376 Fax (909) 307-3246 email: r.bruner@caeap.com Website: www.caeap.com Products/Services: Employee Assistance Programs, DOT and Non-DOT Substance Abuse Professional Evaluations, Work/Life Services, Critical Incident Stress Debriefings, Wellness Programs, Disaster Planning Min. case size: 50 Serving: Nationwide –––––––––– Empathia Contact: Sandy Freed 5234 Chesebro Road, Suite 201 Agoura Hills, CA 91301 (818) 707-0544 email: sfreed@empathia.com Website: www.empathia.com Min. Case Size: EAP 10; Behavioral 10 Product/Services: Psychological, EAP, Wellness, Chemical Dependency Serving: Nationwide –––––––––– ENI (Employee Network Inc.) 1040 Vestal Parkway East Vestal, NY 13850 (800) 364-4748 email: enimarketing@eniweb.com Website: www.eniweb.com Products/Services: Employee Assistance Programs (EAP), Corporate Wellness Programs, Personal Assistant Services, Work/Life Services, Health Advocacy Services, Integrated Benefit Solutions, Talent Management Programs, Employee Training and Development Programs, Supervisory Training and Development Programs, Critical Incident Stress Debriefings, Substance Abuse Prevention and Program Management, Psychiatric Disability Management, Ethics/Whistle Blower Hotline Min. Case Size: 10 Serving: International –––––––––– FEI Behavioral Health, Inc. Contact: Michael Bugenhagen 11700 West Lake Park Dr. Milwaukee, WI 53224 (800) 987-4368 Fax: (414) 359-1973 email: info@feinet.com Website: www.feinet.com Products/Services: Employee Assistance, Work-Life, Wellness, Transition to Retirement, Financial Wellness, Non-violent Crisis Intervention Training (De-escalation) and Crisis Management/Business Continuity: Large-Scale Disaster Planning and Response, Call Centers/Communication capabilities Min. Case Size: 1 Serving: U.S., Canada, Europe, Asia, South America –––––––––– The Holman Group Contact: Elizabeth Holman 9451 Corbin Ave., Ste. 100 Northridge, CA 91324 (818) 704-1444 (800) 321-2843 Fax: (818) 704-9339 email: theholmangroup@holmangroup.com Website: www.holmangroup.com Products/Services: Mental Health & Sub-stance Abuse, EAP, Wellness, HR Consulting Min. Case Size: 3 Serving: Nationwide –––––––––– MHN, INC. Contact: Jude Honne 2370 Kerner Blvd. San Rafael, CA 94901 (415) 460-8052 Fax: (415) 257-1456 email: judith.x.honne@mhn.com Website: www.mhn.com Products: EAP and Behavioral Health for Health Group and Health Integrated; Employee Assistance Programs, Mental Health, Managed Care, Wellness, Training & Skill and Organizational Development Serving: Nationwide –––––––––– UnitedHealthcare Contact: Sales Dept. 5995 Plaza Drive Cypress, CA 90630 (866) 288-4993 Website: www.uhc.com Products/Services: Psychological Plans Plan Type: Behavioral Health Plans/EAP/Disease Management, Chemical Dependency Min. Case Size: 500 Serving: Nationwide Vision Advantek Benefit Administrators Contact: Erin Ellis P.O. Box 45007 Fresno, CA 93718 (866) 556-7655 Fax: (559) 228-5460 email: eellis@santehealth.net Website: www.advantekbenefit.com Products/Services: TPA for Medical, Dental & Vision, COBRA/HIPAA, Utilization Management & Disease Management Serving: Nationwide –––––––––– AFLAC, Torrance Contact: Cameron Bell 2390 Crenshaw Blvd., Ste. 307 Torrance, CA 90501 (626) 379-4265 Fax: (909) 266-9622 email: cameron_bell@us.aflac.com Website: www.aflac.com Website: www.aflacforbrokers.com Products: Group (Accident, CI, COBRA, STD, Dental, Hospital, Life), Group Worksite Products with Guarantee Issue, Specializing in Credit Unions Services: Implementation, Employee Communication, One-On-One Enrollments, Cafeteria Plan, Enrollments, Online Enrollments Min. Case Size: 100+ Ind., 100+ Group Serving: CA ––––––––– AFLAC, Los Angeles Contact: Adam Michaels 12121 Wilshire Blvd., Ste. 1000 Los Angeles CA 90025 (310) 744-6101 Fax: (310) 744-6199 email: adam_michaels@us.aflac.com Website: www.aflac.com Minimum Group Size: 3 Products/Services: Group & Individual Lines (Accident, CI, Cancer, Hosp., Disability, Life, Dental, Vision) Guarantee Issue, Sec. 125, FSA, Parking & Transit, COBRA, Core Enrollment, Benefit Statements, Per Diem Available Serving: Nationwide –––––––––– AIG Benefits Solutions Employee Benefits Solutions Contact: Jorge Aldana 777 S. Figueroa St., 17th Flr. Los Angeles, CA 90017 (213) 689-3929 Fax: (866) 716-6722 email: jorge.aldana@aigbenefits.com Website: www.aigbenefits.com Products/Services: Dental, Vision, Life, Disability and Worksite Products, LTD, STD Serving: Southern California Area –––––––––– AmeriPlan USA Contact: Sales Department 5700 Democracy Dr. Plano, TX 75024 (469) 229-4500 Fax: (469) 229-4115 email: sales@ameriplanusa.com email: MGRSales@ameriplanusa.com Website: www.ameriplanusa.com Discount Chiropractic Benefit, Dental (Group, Ind.); Prescription Drug Card, Vision Serving: Nationwide —————— Ameritas Contact: Andy Birkel 151 Kalmus Dr., Ste. J4 Costa Mesa, CA 92626-5959 (714) 641-1800 ext. 235 Fax: (714) 641-4800 email: abirkel@ameritas.com Website: www.ameritasgroup.com Plan Type: PPO, Indemnity, Individual, Self-Funding Products/Services: Dental, Vision, Hearing Min. Case Size: 3 Serving: Nationwide –––––––––– Anthem Blue Cross Contact: Janice L. Hollander 4553 La Tienda Drive Thousand Oaks, CA 91362 Direct: (760)468-1498 email: janice.hollander@wellpoint.com Website: www.anthem.com/ca Plan Type: Dental DHMO/PPO; Vision Products/Services: Dental, Vision, Life, Disability Min. Case Size: 2 Serving: Nationwide –––––––––– Anthem Blue Cross Small Group (2-50 lives) Contact: Christa McConathy, Director, Small Group Specialty Sales 4553 La Tienda Drive Thousand Oaks, CA 91362 (805) 557-4461 email: christa.mcconathy@wellpoint.com Website: www.anthem.com/ca Plan Type: HMO, PPO, Indemnity Products/Services: Dental, Vision Min. Case Size: 2 Serving: Nationwide –––––––––– Anthem Blue Cross Large Group (51+ lives) Contact: Randy Ebersberger, Director of Specialty Sales 801 South Figueroa St. Los Angeles, CA 90017 (213) 553-5429 Email: Randy.Ebersberger@wellpoint.com Website: www.anthem.com/ca Plan Type: HMO, PPO, Indemnity Products/Services: Dental, Vision Min. Case Size: 51+ Serving: Nationwide –––––––––– BEST Life and Health Insurance Company Contact: Jennifer Bolton, VP of Sales and Marketing 2505 McCabe Way Irvine, CA 92614-6243 (800) 237-8543 ext. 169 (949) 222-2169 email: jbolton@bestlife.com Website: www.besthealthplans.com Products: Dental (group, PPO & indemnity); Life (group term, guarantee issue); Vision (PPO & Indemnity) Min. Case Size: 2 Serving: 39 States –––––––––– Blue Shield of California Contact: Producer Services PO Box 272500 Chico, CA 95927-2500 (800) 559-5905 Fax: (209) 371-5830 email: producerservices@blueshieldca.com Website: www.blueshieldca.com/producer Plan Type: HMO, PPO, ASO Products/Services: Medical, Dental, Life and Vision plans. Min. Case Size: Coverage for individuals, seniors and groups Serving: state-wide, with PPO BlueCard® nationwide –––––––––– California CPA ProtectPlus Contact: Tom Kowalski 1800 Gateway Dr., Ste. 201 San Mateo, CA 94404 (650) 522-3251 email: Tom.Kowalski@calcpa.org Website: www.cpaprotectplus.com Min. Case Size: 2 Plan type: Group, HMO, PPO, HSAs Plans Offered: Group Products/Services: Dental, Vision Serving: All Counties –––––––––– C.F. Russell & Associates Contact: Charles F. Russell 900 San Carlos Way Bakersfield, CA 93309 (661) 398-5694 Fax: (661) 398-5694 email: cfrisl8@bak.rr.com Products/Services: Accident, Insured & Self Funded; Dental; Health (group, ind.); Life; Vision and Disability –––––––––– Choice Builder® Kevin M. Timone, Chief Sales Officer 721 S. Parker, Ste. 200 Orange, CA 92868 (866) 412-9254 Fax: (866) 412-9261 Email: ktimone@choiceadmin.com Website: www.choicebuilder.com Products/Services: TPA, Employee Choice Ancillary Benefits, Dental, Vision, Chiropractic, Acupuncture, Group Life, Section 125, HR Support, Cal Perks Discounts Min. Case Size: 2 to 99 –––––––––– Cigna HealthCare Inc. 1 Front St., Ste. 700 San Francisco, CA 94111 (415) 374-2590 Fax: (415) 374-2601 Website: www.cigna.com Plan Type: HMO, PPO, OAP, Consumer Directed Health Plans Products/Services: HMO/PPO Medical, DHMO/DPPO Dental, Disability, Life, Vision, Behavioral, International Benefits Serving: Alameda, Butte, Contra Costa, El Dorado, Fresno, Kings, Glenn, Marin, Placer, Sacramento, Santa Clara, Santa Cruz, San Francisco, San Joaquin, San Mateo, Sonoma, Solano, Stanislaus, Tulare, Yolo, Merced, Monterey, Yuba, Napa –––––––––– Cigna HealthCare Inc. 3636 Nobel Dr., #150 San Diego, CA 92122 (858) 625-5600 Fax: (858) 625-5699 Website: www.cigna.com Plan Type: HMO, OAP, PPO, Consumer Directed Health Plans Products/Services: HMO/PPO Medical, DHMO/DPPO Dental, Disability, Life, Vision, Behavioral, International Benefits Serving: San Diego County –––––––––– Cigna HealthCare Inc. 26 Executive Park Irvine, CA 92614 (949) 255-1400 Website: www.cigna.com Plan Type: HMO, OAP, PPO, Consumer Directed Health Plans Products/Services: HMO/PPO Medical, DHMO/DPPO Dental, Disability, Life, Vision, Behavioral, International Benefits Serving: Orange, San Bernardino and Riverside Counties –––––––––– Cigna HealthCare Inc. 400 North Brand Blvd., Ste. 400 Glendale, CA 91203 (818) 500-6262 Fax: (818) 546-5386 Website: www.cigna.com Plan Type: HMO, OAP, PPO, Consumer Directed Health Plans Products/Services: HMO/PPO Medical, DHMO/DPPO Dental, Disability, Life, Vision, Behavioral, International Benefits Serving: Los Angeles, Kern, Ventura, Santa Barbara and San Luis Obispo Counties –––––––––– Cypress Dental & Vision Contact: Sales 7510 Shoreline Dr., Ste. A-1 Stockton, CA 95219 (800) 350-3989 Fax: (209) 478-5614 email: sales@cypressadmin.com Website: www.cypressadmin.com Products/Services: Dental and Vision plans, Fully Insured, TPA, Self-Funded Plans (Group & Individual) Min. Case Size: 1 Serving: CA –––––––––– Davis Vision Capital Region Health Park 711 Troy-Schenectady Rd. Latham, NY 12110 (800) 283-9374 Fax: (516) 932-7551 Website: www.davisvision.com Products/Services: Vision Plans Min. Case Size: 50 Serving: Nationwide –––––––––– Delta Dental of California N. California Contact: Kevin O’Toole 100 First St. San Francisco, CA 94105 (415) 972-8300 Fax: (415) 972-8466 Email: ncasales@delta.org S. California Contact: Ben Lowry 17871 Park Plaza Dr., Ste. 200 Cerritos, CA 90703 (562) 403-4040 Fax: (562) 924-3172 Email: scasales@delta.org Website: www.deltadentalins.com Plan Type: PPO, Indemnity, DHMO Products/Services: group, individual and senior dental plans; group vision plans Min. Case size: 5 Serving: CA –––––––––– Dental Alternatives Insurance Services, Inc. Marketing Company for SmileSaver Contact: Marcia Delgado 3720 South Susan St., 2nd Flr. Santa Ana, CA 92704 (800) 445-8119 ext. 228 (714) 429-0200 ext. 228 Cell: (714) 655-0118 Fax: (714) 429-1261 email: mdelgado@gotodais.com Website: www.gotodais.com Plan Type: HMO, PPO, Dual & Triple Option. Services/Plans: Dental & Vision Min. Case Size: 2 Serving: CA –––––––––– Denali Dental & Vision Contact: Tom Mayer 325 Cedar St., Ste. 800 St. Paul, MN 55101 (651) 649-3503 (800) 620-5010 Fax: (651) 649-3502 Fax: (612) 395-5309 Cell: (612) 708-8448 email: tom@denalidental.com website: www.denalidental.com Indemnity and PPO Dental and Vision Insurance for individuals, seniors & groups Min. Case Size: 1 ––––––––––- Direct Benefits, Inc. Contact: Tom Mayer 325 Cedar St., Ste. 800 Saint Paul, MN 55101 (800) 620-5010 (651) 259-6240 Cell: (612) 708-8448 Fax: (651) 649-3502 email: tom@directbenefits.com Website: www.directbenefits.com Products/Services: Dental, Disability, Life and Vision Benefits Serving: Nationwide –––––––––– EyeMed Vision Care 4000 Luxottica Place Mason, OH 45040 Contact: Ben Doolittle (916) 470-9446 email: bdoolitt@eyemed.com Contact: Carol Mclean (949) 677-1057 email: CMclean@eyemed.com Contact: Jake Indich (310) 913 9375 email: jindich@eyemed.com Website: www.eyemed.com Plan Type: PPO, Indemnity Plan Offered: Group Serving: Nationwide Product/Services: Vision Benefits ___________ Guardian Life Insurance Company of America Contact: Joseph Stefano, Director of Sales 4685 MacArthur Court, Ste. 100 Newport Beach, CA 92660 (800) 662-6464 (949) 885-1720 Fax: (949) 885-1747 Email: jstefano@glic.com San Diego Gregg Holdgrafer, District Mgr., San Diego (800) 769-6759 (619) 881-3502 email: gholdgrafer@glic.com Arizona/New Mexico Brady Myers, District Manager, Arizona (602) 567-2572 Email: bmyers1@glic.com Las Vegas Steve Johnson, District Manager, Las Vegas (800) 662-6464 (949) 885-1726 Email: sdjohnson@glic.com Fresno Brady Spencer, District Manager, Fresno, Bakersfield, Santa Barbara (559) 389-5858 Email: bspencer@glic.com Quote Email: surequote@glic.com Website: www.guardianlife.com Plan Type: PPO/DHMO Products/Services: Dental, LTD, Life, STD, Vision, All available in Voluntary, Contrib. & Non-Contrib. Min. Case Size: 2-5000 Serving: Nationwide –––––––––– Health Net of California Contact: Broker Services Dept. P.O. Box 1150 Rancho Cordova, CA 95741-1150 (800) 909-3447 option 1,4 Fax: (877) 977-2947 email: brokers@healthnet.com Website: www.healthnet.com Plan Type: HMO, PPO, POS, Indemnity, out-of-state PPO, and Medicare Products/Services: Health Carriers, Dental, Vision Min. Case Size: 2 Plans Offered: Group, Ind Serving: CA –––––––––– Humana Specialty Benefits Contact: Jeff Ayler 3111 Camino Del Rio N., Ste. 400 San Diego, CA 92108 (619) 846-9394 Fax: (619) 692-9671 email: jayler@humana.com Website: www.humana.com Products/Services: Dental, Vision, Group Term Life, Disability Income, Voluntary Benefits, Critical Illness, Cancer, Accident, HumanaVitality (wellness solution). Min Case Size: 2 –––––––––– IHC Health Solutions Contact: Jared Johnson 5353 Wayzata Blvd., Suite 300 Minneapolis, MN 55416 (866) 746-6610 (866) 415-3530 Fax: (952) 746-6635 email: jared.johnson@ihcgroup.com Plan Type: Indemnity, PPO, EPO Products/Services: Dental and Vision Plans Min. Case Size: Individual and groups of 2 or more Serving: Nationwide –––––––––– Liberty Dental Plan Contact: Marsha Hazlewood P.O. Box 26110 Santa Ana, CA 92799-6110 (888) 703-6999 ext. 203 (949) 223-8927 Fax: (949) 270-0114 email: hazlewood@libertydentalplan.com Website: www.libertydentalplan.com Plan Type: Dental DHMO, Dental ASO, Discount/Access Dental, Dental PPO, Vision Min. Case Size: 3 Serving: Alameda, Contra Costa, El Dorado, Fresno, Imperial, Kern, Kings, Los Angeles, Madera, Marin, Orange, Placer, Riverside, Sacramento, San Benito, San Bernardino, San Diego, San Francisco, San Joaquin, San Mateo, Santa Barbara, Santa Clara, Santa Cruz, Solano, Sonoma, Stanislaus, Tulare, Ventura, Yolo –––––––––– Magnum Dental & Vision Contact: Tom Mayer 325 Cedar Street Ste. 800 St. Paul, MN 55101 (651) 649-3503 (800) 620-5010 Cell: (612) 708-8448 email: tom@directbenefits.com Website: www.magnumdental.com Plan Type: Indemnity and PPO Product/Services: Dental and Vision Insurance for Individual and Groups 2-125 –––––––––– MESVision Contact: Mike Schell 345 Baker St. Costa Mesa, CA 92626 (800) 877-6372 Fax: (714) 619-4670 email: mschell@mesvision.com Website: www.mesvision.com Products/Services: Group Vision Plans (Fully Insured and Self-Funded) Min. Case Size: 5 Serving: Nationwide ––––––––– MWG Dental & Vision Plans Contact: Robin Williams P.O. Box 14067 Jackson, MS 39236 5712 I-55 N. Frontage Rd. Jackson, MS 39211 (601) 956-2028 ext. 116 (800) 800-1397 Fax: (601) 956-1702 email: robin.williams@morganwhite.com Website: www.mwgdental.com Website: www.mwgvision.com Website: www.mwggapplans.com Plan Type: Group Indemnity, PPO Products/Services: Dental (group, ind.), Vision Min. Case Size: 2 Serving: Nationwide –––––––––– Outlook Vision Services Contact: Ron Johnson 1550 E. McKellips Rd., #112 Mesa, AZ 85203 (480) 461-9001 Ext. 2487 (800) 342-7188 Fax: (480) 461-9021 email: rjohnson@outlookvision.com Website: www.outlookvision.com Products/Services: Vision Plans Min. Case Size: None Serving: Nationwide –––––––––– Security Life Contact: Ted Williams 10901 Red Circle Drive Minnetonka, MN 55347 (952) 945-3534 (800) 328-4667 ext. 3534 email: ted.williams@SecurityLife.com Website: www.SecurityLife.com Plan Type: PPO, Indemnity Plan Offered: Individual, Group Product/Services: Dental Plans, Vision (group) Serving: Statewide –––––––––– Spirit Dental & Vision Contact: Tom Mayer 325 Cedar St., Ste. 800 St. Paul, MN 55101 (651) 649-3503 (800) 620-5010 Fax: (651) 649-3502 Cell: (612) 708-8448 email: info@spiritdental.com Website: www.spiritdental.com Individual, Senior and Group 2-149 Dental and Vision Insurance –––––––––– Superior Vision Services Inc. Contact: Michelle Childers 11101 White Rock Rd., Ste. 150 Rancho Cordova, CA 95670 (800) 507-3800 (916) 893-9599 Fax: (916) 580-3323 Website: www.superiorvision.com Products: Vision –––––––––– UnitedHealthcare Vision Contact: Hether Lee Regional VP of Specialty Benefits 5 Centerpointe Dr., Suite 600 Lake Oswego, OR 97035 (971) 258-7929 Website: www.uhcspecialtybenefits.com Products/Services: Vision, Dental, Life & Disability Benefits Serving: Nationwide –––––––––– Vision Plan of America Employer Paid & Voluntary Vision Benefits (800) 400-4VPA (Vision Plan of America) Contact: Marketing Department 3255 Wilshire Blvd., Ste. 1610 Los Angeles, CA 90010 (213) 384-2600 ext. 109 (800) 400-4-VPA ext. 109 Fax: (213) 384-0084 email: phillip@visionplanofamerica.com email: peter@visionplanofamerica.com Website: www.visionplanofamerica.com Products/Services: Vision (ind., group), Dental Plans (ind., group) Plan Type: HMO, PPO, Voluntary Min. Case Size: 2 Serving: Nationwide –––––––––– Vision Service Plan (VSP) N. & Central CA Contact: Kate Lawrence (800) 852-7600, Ext. 4817 Cindy Holmes, Ext. 4801 S. CA Contact: Polly Hudson (800) 852-7600 Ext.4816 Karen Schnabel, Ext. 4757 3333 Quality Dr. Rancho Cordova, CA 95670 Fax: (916) 463-3926 email: cindy.holmes@vsp.com email: kate.lawrence@vsp.com email: pj.hudson@vsp.com email: karen.schnabel@vsp.com Website: www.vsp.com Products/Services: Employer Paid Plan down to 2 and Voluntary Plans down to 10 enrolled Min. Case Size: 2 Serving: Nationwide Weight Loss MHN, INC. Contact: Jude Honne 2370 Kerner Blvd. San Rafael, CA 94901 (415) 460-8052 Fax: (415) 257-1456 email: judith.x.honne@mhn.com Website: www.mhn.com Products: EAP and Behavioral Health Coverage for Health Group and Health Integrated; Employee Assistance Programs, Mental Health, Managed care, Wellness, Training & Skill & Organizational Development Serving: Nationwide Wellness Benesyst, Inc. Contact: Michelle Thompson 14271 Jeffrey Road, Ste. 180 Irvine, CA 92620 Phone: (949) 433-7951 (608) 268-8887 email: michelle.thompson@tasconline.com email: mthompson@bensyst.net Website: www.benesyst.net Products/Services: Spending Account Services (FSA, HRA, HSA, Commuter), COBRA, Retiree Billing, On-line Enrollment, Consolidated Billing, Eligibility Management, Tuition Reimbursement administration, Wellness Rewards administration Serving: Nationwide –––––––––– Empathia Contact: Sandy Freed 5234 Chesebro Road, Suite 201 Agoura Hills, CA 91301 (818) 707-0544 email: sfreed@empathia.com Website: www.empathia.com Min. Case Size: EAP 10; Behavioral 10 Product/Services: Psychological, EAP, Wellness, Chemical Dependency Serving: Nationwide –––––––––– FirstVitals Health and Wellness Contact: Ernie Lee P.O. Box 2500 Danville, CA 94526 (925) 299-8015 (800) 922-8844 Fax: (925) 299-8010 email: ernie.lee@firstvitals.com website: www.firstvitals.com Serving: Nationwide –––––––––– GlobalFit Contact: Scott Pashley 1818 Market St., # 2710 Philadelphia, PA 19103 (215) 320-4210 (800) 294-1500 email: clientinquiry@globalfit.com Website: www.globalfit.com Products/Services: Activity, Prevention and Wellness Programs, Online Challenges, Incentives, Coaching, Gym Discounts Serving: Nationwide –––––––––– Health Check 360 Contact: Jim Wachtel 800 Main St. Dubuque, IA 52001 (563) 289-7360 (866) 511-0360 Email: jim.wachtel@healthcheck360.com Website: www.healthcheck360.com Serving: Nationwide –––––––––– Healthyroads Contact: Rik Lee 10221 Wateridge Circle San Diego, CA 92121 (619) 952-5512 email: riklee@ashn.com Website: www.healthyroads.com Products/Services: Wellness & Prevention – e.g., incentives, coaching, web portal, Challenges & Competitions, on-site biometric screening, etc. Min. Case Size: 500 Serving: Nationwide –––––––––– The Holman Group Contact: Elizabeth Holman 9451 Corbin Ave., Ste. 100 Northridge, CA 91324 (818) 704-1444 (800) 321-2843 Fax: (818) 704-9339 email: theholmangroup@holmangroup.com Website: www.holmangroup.com Products/Services: Mental Health & Sub-stance Abuse, EAP, Wellness, HR Consulting Min. Case Size: 3 Serving: Nationwide –––––––––– Kinema Fitness Contact: Joshua Love 11950 Idaho Ave. Los Angeles, CA 90025 (610) 909-9331 email: joshua@kinemafitness.com website: www.kinemafitness.com Products/Services: Prevention and Wellness consulting, Fitness Assessments, On/Off site Facility Management, Physical Activity, Health Coaching, Online platform, Wellness workshops and Fitness Classes Serving: CA –––––––––– Maxim Health Systems Contact: Brian Beran 1515 W. 190th St. Ste. 155 Gardena, CA 90248 (310) 329-5899 Fax: (877) 615-6512 email: brian.beran@maximwellness.com Website: www.maximwellness.com Products: Biometric Screenings, Immunizations Serving: Nationwide –––––––––– MHN, Inc. Contact: Jude Honne 2370 Kerner Blvd. San Rafael, CA 94901 (415) 460-8052 Fax: (415) 257-1456 email: judith.x.honne@mhn.com Website: www.mhn.com Products: EAP and Behavioral Health Coverage for Health Group and Health Integrated; Employee Assistance Programs, Mental Health, Managed Care, Wellness Programs, Training & Skill Development, Organizational Development Serving: Nationwide –––––––––– MINDBODY Exchange Contact: David McAtee 4051 Broad Street San Luis Obispo, CA 93401 (805) 762-4140 (888) 960-8033 email: david.mcatee@mindbodyexchange.com Website: www.mindbodyexchange.com Products/Services: Prevention and Wellness Benefit, Integrative Healthcare, Largest Network of Complementary and Alternate Medical (CAM) Practitioners, FSA, HSA and HRA Tools for Utilization and Substantiation, HR Dashboard, Incentives and Promotional Material Serving: Nationwide –––––––––– Tricast Inc. Contact: Rob Bigalke 10400 W. Innovation Dr., Ste. 310 Milwaukee, WI 53226 (414) 302-9733 ext. 208 (888) 321-2021 Fax: (414) 302-9837 email: rob.bigalke@tricast.com Website: www.tricast.com Products/Services: Prescription Drug Plans, Wellness, Sec. 125, Audit, Surveillance, PBM RFPs, Fraud, Waste and Abuse Min. Case Size: 25 Serving: Nationwide –––––––––– United Wellness Group, LLC Contact: Justine SanFilippo 1001 West Loop South, Ste. 850 Houston, TX 77027 (877) 899-8996 ext. 87 Fax: (877) 899-8996 email: justine.s@uwellness.com website: www.unitedwellnessgroup.com Products/Services: Wellness Serving: Nationwide       ... Continue Reading →
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Carriers Providers 2014

E&O 401(k) Critical Illness HSAs Life Settlements LTC Life Regional Offices Online Resources Paramedical Sec. 125 TPAs Worksite Mktg.   Errors and Ommissions Cita Insurance Services Contact: Caroline Reaper or Rachel Truman (800) 280-7250 (714) 939-7333 email: programsinfo@citainsurance.com Website: www.citainsurance.com E&O for: P&C Agents, Life Wholesale Brokers, Benefit Administrators, Real Estate Agents Administrators, Real Estate Agents –––––––––– E & O Insurance for Less Contact: Customer Service 12421 Meredith Dr. Urbandale, IA 50398 (866) 795-2041 Fax: (515) 243-2331 Website: www.eoforless –––––––––– National Ethics Association 12707 High Bluff Dr. Dept. 200 San Diego, CA 92130 (800) 282-1831 Fax: (760) 462-3333 email: staciaf@ethics.net Website: www.ethics.net 401(k) American Safe Retirements, LLC Contact: Joe Barkate 251 E. Southlake Blvd., Southlake, TX 76092 (214) 641-5363 Fax: (817) 796-1616 (800) 277-8464 (800) ASR-U-GO4 email: joe@americansaferetirements.com email: rich@americansaferetirements.com Website: www.americansaferetirements.com Products/services: Finanical Planning, 401(k), Life Settlements, Life Insurance, Annuities Min.Size: 1 –––––––––– Innovative Pension Strategy & Design Contact: Sidney Lopez 14251 Danielson St., Poway, CA 92064 (858) 748-6500 (858) 218-3441 Fax: (858) 748-0615 email: Sidney@ipsd.com Website: www.ipsd.com Website: www.innovativepension.com Products/Services: 401(k), defined benefit plans Min. Case Size: 1 Serving: Nationwide John Hancock Retirement Plan Services Contact: Derek MacDougall 500 North Brand Blvd., Ste. 950 Glendale, CA 91203 (818) 552-3400 Ext. 857644 (800) 766-2685 Fax: (818) 552-3420 email: derek_macdougall@jhancock.com Website: www.jhpensions.com Serving: Pacific Region –––––––––– National Retirement Services, Inc. (NRS) Contact: Nate Delong 5832 Bolsa Ave., Ste. 100 Huntington Beach, CA 92649 (714) 622-3244 Fax: (714) 622-3189 email: Nate.Delong@NRServices.com Website: www.nrservices.com Products/Services: 401(k), Profit Sharing and Defined Benefit Plans Serving: Nationwide –––––––––– PayPro Administrators Contact: Bobbi Hamilton Kaelin for Payroll, FSA, HRA, COBRA, HIPAA, QTA, HRIMS, HRA, HSA, Sec. 125 Contact: Felix Acajabon for Pension & Pension Plan Administration 6180 Quail Valley Ct. Riverside, CA 92507 (800) 427-4549 (951) 656-9273 Ext. 226 Bobbi (951) 656-9273 Felix Fax: (951) 656-9276 email: bobbih@pagroup.us email: felixa@pagroup.us email: sales@pagroup.us Website: www.pagroup.us Products/Services: Flex, HRA, COBRA/HIPAA, Pension and Payroll, Section 125, HRIS –––––––––– Polycomp Administrative Services Contact: Kim Torio 6400 Canoga Ave., Ste. 250 Woodland Hills, CA 91367 (818) 716-0111 (800) 736-7090 Fax: (818) 346-8672 email: ktorio@polycomp.net Website: www.polycomp.net Products/Services: 401(k), Profit Sharing, Defined Benefit Plans, 403(b), Prevailing Wage Retirement Plans Min. Case Size: 1 Serving: Nationwide –––––––––– PRB Insurance & Fin. Services 1990 S. Bundy Drive, Ste 410 Los Angeles, CA 90025-1448 (310) 909-1746 Fax: (424) 248-2430 email: merla@prbinc.com Website: www.prbinc.com Products/Services: TPAs, 401(k), Individual and Group Life and Disability Insurance, NQDC, Employee Benefits, Retirement Income Planning, Financial Planning. Critical Illness AFLAC, Torrance Contact: Cameron Bell 2390 Crenshaw Blvd., Ste. 307 Torrance, CA 90501 (626) 379-4265 Fax: (909) 266-9622 email: cameron_bell@us.aflac.com Website: www.aflac.com Website: www.aflacforbrokers.com Products: Group (Accident, CI, COBRA, STD, Dental, Hospital, Life), Group Worksite Products with Guarantee Issue, specializing in credit unions Services: Implementation, Employee Communication, One-On-One Enrollments, Cafeteria Plan, Enrollments, Online Enrollments Min. Case Size: 100+ Ind., 100+ Group Serving: CA ––––––––– AFLAC, Los Angeles Contact: Adam Michaels 12121 Wilshire Blvd., Suite 1000 Los Angeles CA 90025 (310) 744-6101 Fax: (310) 744-6199 email: adam_michaels@us.aflac.com Website: www.aflac.com Minimum Group Size: 3 Products/Services: Group & Individual Lines (Accident, CI, Cancer, Hosp., Disability, Life, Dental, Vision) Guarantee Issue, Sec. 125, FSA, Parking & Transit, COBRA, Core Enrollment, Benefit Statements, Per Diem Available Serving: Nationwide ––––––––– American Association for Critical Illness Insurance Contact: Mindy Hartman 3835 E. Thousand Oaks Blvd., Ste 336 Westlake Village, CA 91362 (818) 597-3205 email: info@aacii.org Website: www.AACII.org Products/Services: CI Sales & Marketing Serving: Nationwide –––––––––– Aigilis Corporation Contact: Mark Gebhardt P.O. Box 953279 Lake Mary, FL 32795 (407) 324-3921 (866) 205-1936 email: info@aigilis.com Website: www.aigilis.com Products: ACA Medical GAP plans, Accident; Critical Illness; Dental (ind., group); Life Insurance Quote engine for websites Serving: Nationwide –––––––––– Assurity Life Worksite Division Contact: Jim Quinney Caliwaii Insurance Marketing 3031 Stanford Ranch Rd. Rocklin, CA 95765 (916) 781-9850 ext. 1001 Fax: (916) 259-1844 email: jim@caliwaii.com Website: www.assurity.com Products/Services: Worksite Marketing Min. Case Size: 5 Serving: Nationwide –––––––––– CNMA Multi-Insurance Agency 895 E. Yorba Linda Blvd., Ste. 202-A Placentia, CA 92870 (714) 552-3993 Fax: (714) 978-0518 Contact: Radi Miranda, LUTCF email: cnmainsurance@aol.com Website: www.cnmainsurance.com Products: Critical Illness, Guaranteed Issue Life, Disability (Group, Individual), International Major Medical, Travel Insurance –––––––––– Freedom Equity Group Contact: Ron Petroinovich 8885 Rio San Diego Dr., Suite 265 San Diego, CA 92108 (877) 329-6608 Fax: (619) 870-0212 email: ceopetro@fegcorp.com Website: www.freedomequitygroup.com Products/Services: Critical Illness, Worksite, Life (Index, UL) Serving: Nationwide –––––––––– Humana Specialty Benefits Contact: Jeff Ayler 3111 Camino Del Rio N., Ste. 400 San Diego, CA 92108 (619) 846-9394 Fax: (619) 692-9671 email: jayler@humana.com Website: www.humana.com Products/Services: Dental, Vision, Group Term Life, Disability Income, Voluntary Benefits, Critical Illness, Cancer, Accident, HumanaVitality (wellness solution). Min Case Size: 2 –––––––––– Niche Market Solutions/NMS Marketing Services Contact: Michael Carroll 3600 Chester Ave., Ste. 9 Lewes, DE 19958 (302) 945-6906 Fax: (206) 350-4550 email: mcarroll19@verizon.net Products/Services: Guaranteed Issue Life, Life, Critical Illness, Disability Serving: Nationwide –––––––––– Symetra Life Insurance Company Contact: Bill Edrington, Managing Director, Marketing & Business Development, Benefits Division 777 108th Ave. NE, Ste. 1200 Bellevue, WA 98004 (800) 796-3872 (678) 728-1541 Fax: (866) 532-1362 email: GRPLIF@symetra.com Website: www.symetra.com Plan type: Limited Benefit Medical Products/Services; Health Carriers, Group Life, AD&D, Medical Stop Loss, Critical Illness Min. employer group size: Varies by product Serving: Nationwide, state availability varies by product HSAs Ben-E-Lect Contact: Marketing Department 5429 Avenida de Los Robles, Ste. A Visalia, CA 93291 (559) 733-1240 Fax: (559) 635-6527 Website: www.benelect.com Products: Cafeteria Plans, Dental (group); Health (consumer-driven, group, HRA, HSA MERP, integrated plans, self-funded administration); Vision, Life (group), Debit Card, Payroll, HR Serving: AZ, CA, CO, KS, NV, WA –––––––––– Benesyst, Inc. Contact: Michelle Thompson 14271 Jeffrey Road, Ste. 180, Irvine, CA 92620 (949) 433-7951 (608) 268-8887 email: michelle.thompson@tasconline.com Website: www.benesyst.net Products/Services: Spending Account Services (FSA, HRA, HSA, Commuter), COBRA, Retiree Billing, Online Enrollment and Eligibility Management, Tuition Reimbursement administration, Wellness rewards administration Serving: Nationwide –––––––––– Core Documents, Inc. Contact: Gene Ennis P.O. Box 14538, Bradenton, FL 34280 (888) 755-3373 Fax: (941) 795-4802 email: coreservice@coredocuments.com Website: www.CoreDocuments.com Products/Services: Section 125 POP, FSA, HSA 132 & HRA Plan Documents Serving: Nationwide –––––––––– Ebix Health Contact: Ed Buck 1300 E. Shaw, Ste. 109, Fresno, CA 93710 (877) 805-2828 ext. 204 Fax: (559) 256-1009 email: ed.buck@ebix.com Website: www.ebix.com Products/Services: Quoting Group/IFP, Websites, HR connect; HR Support Center, Payroll, COBRA, POP, FSA, EAP, HR Resources, Voluntary Benefits Serving: CA, CO, CT, DE, DC, FL, GA, MD, MO, NH, NJ, NY, OH, OK, PA, TX, VT, VA, WA ———–— First American Bank Contact: Mitch Rosenbloom 1650 Louis Avenue Elk Grove Village, IL 60007 (847) 586-2010 Fax: (847) 586-2010 email: mrosenbloom@firstambank.com WebSite: www.firstambank.com –––––––––– Health Savings Administrators Contact: John Vellines 10800 Midlothian Turnpike, Ste. 240 Richmond, VA 23235 (888) 354-0697 Fax: (804)726-1570 email: jvellines@hsaadministrators.com Website: www.hsaadministrators.info Products: Health Savings Accounts offering no-load Vanguard Mutual Fund investments ———————– Health Equity, Inc. Contact: Patrick Chorpenning, Jr. Rgl. Director 15 W. Scenic Pointe Dr., Ste. 400 Draper, UT 84020 (800) 819-5852 (877) 949-6727 email: brokerservices@healthequity.com email: brokersales@healthequity.com Website: www.healthequity.com Products: HSAs ———————– HSA Bank A Division of Webster Bank N.A. Contact: David Drzymkowski 668 N Coast Hwy, Ste. 416 Laguna Beach, CA 92651 (949) 374-2853 email: ddrzymkowski@hsabank.com Website: www.hsabank.com –––––––––– HSA Resources Contact: Steve Hansen 1010 W Saint Germain St., Ste 1050 St. Cloud MN 56301 (866) 757-4727 ext. 3 Fax: (866) 826-0104 email: steve.hansen@hsaresources.com Website: www.HSAResources.com Products: HSAs for Businesses Serving: Nationwide –––––––––– Infinisource Inc. Contacts: Vicki Burke 15 East Washington St. P.O. Box 889 Coldwater, MI 49036 (517) 489-4581 Fax: (517) 278-0764 email: vburke@infinisource.com Website: www.infinisource.com Products/Services: Workforce Management Administrator for Human Capital Management, COBRA, FSAs, HRAs, HSAs, POP, Time and Attendance, HIPAA, Privacy & Security, Payroll, HR Services, Portability Solutions Serving: Nationwide –––––––––– OptumHealth Contact: Steve Grunewald P.O. Box 9472, NV960-1000 Minneapolis, MN 55440-9472 (866) 427-6804 email: steve.grunewald@optum.com Website: www.optumhealthfinancial.com Products/Services: HSA (Banking), FSA, HRA, COBRA, Retiree, Transportation Serving: Nationwide ––––––––– Pacific Benefits Flex Inc. Contact: Mimi Lyon 3090 Fite Circle, Ste. 101 Sacramento, CA 95827 (916) 363-2101 ext. 226 Fax (916) 363-4213 email: mimi@pacificbenefits.com Website: www.pacificbenefits.com Products/Services: TPA, FSA, HRA, HSA, POP, Transportation Serving: Nationwide –––––––––– Sterling Health Services Administration Contact: Chris Bettner EVP, Business Development 475 14th St., Ste. 650 Oakland, CA 94612 (408) 779-9908 (800) 617-4729 Ext. 225 Cell: (415) 722-8789 Fax: (877) 517-4729 email: chris.bettner@sterlinghsa.com Website: www.sterlinghsa.com Product/Services: HSA, HRA, FSA, POP, COBRA Adminitration, ERISA Wrap, Form 5500 Filing, Other Compliance Services & Self Insurance Administration Life Settlements Abacus Settlements, LLC Contact: Samantha Butcher 480 Forest Avenue Locust Valley, NY 11560 (516) 417-5040 Fax: (516) 908-4493 Tenessee office Tel: (615) 369-0732 Ext. 2222 email: sbutcher@abacussettlements.com Website: www.abacussettlements.com Serving all states except: FL, MT, MD, WV, Indian Territory in OK –––––––––– Advanced Settlements Contact: Scott Kirby 2101 Park Center Dr., Ste. 220 Orlando, FL 32835 (800) 561-4148, ext. 1105 Fax: (407) 296-7377 email: scott@advancedsettlements.com email: info@advancedsettlements.com Website: www.advancedsettlements.com Products/Services: Life Settlements, Secondary Market for Life Insurance, Free Policy Appraisal, Free E&O Coverage, Marketing and Compliance Assistance, Life Settlement Quote, Transparency and Compensation Disclosure Reports –––––––––– American Safe Retirements, LLC Contact: Joe Barkate 251 E. Southlake Blvd. Southlake, TX 76092 (214) 641-5363 Fax: (817) 796-1616 (800) 277-8464 (800) ASR-U-GO4 email: joe@americansaferetirements.com email: rich@americansaferetirements.com Website: www.americansaferetirements.com Products/services: Financial Planning, 401(k), Life Settlements, Life Insurance, Annuities Min.Size: 1 –––––––––– Coventry Contact: Michael Coben 7111 Valley Green Rd. Fort Washington, PA 19034 (877) 836-8300 Fax: (215) 233-3201 email: mcoben@coventry.com Website: www.coventry.com Products/Services: Life Settlements, SWAPP®, Simplified Settlements®, Term Settlements, Continuing Education Serving: Nationwide –––––––––– ELA Settlement Services L.L.C. Contact: Paul H. Nagelberg 1435 Morris Ave.. P.O. Box 3137 Union, NJ 07083 (800) 388-0103 Fax: (908) 810-4159 email: pnagelberg@execlife.com Website: www.elasettlementservices.com Products/Services: Life Settlements –––––––––– Genesis Asset Advisors LLC Contact: Geoffrey Gottesman 222 Broadway, 19th Flr. New York, NY 10038 516-945-6272 (877) 303-9777 Fax: (516) 945-6273 email: info@genesisknows.com Website: www.genesisknows.com Products/Services: Life Settlements Serving: AL, AR, CA, CT, DE, FL, GA, IL, MS, MI, MD, NJ, NY, PA, SC, SD, WA, WY –––––––––– Legacy Benefits LLC Contact: Business Development Empire State Bldg. 350 Fifth Ave., Ste. 4320 New York, NY 10118 (212) 643-1190 Fax: (212) 643-1180 email: info@legacybenefits.com Website: www.legacybenefits.com Services/Products: Sales & Marketing, Life Insurance Settlements Serving: Nationwide –––––––––– Leisure Werden & Terry Agency Contact: Victor Paz 200 S. Los Robles Ave., Ste. 200 Pasadena, CA 91101 (626) 304-1300 Ext. 209 (800) 272-2212 Fax: (626) 304-1313 email: lwtbrokerage@lwtagency.com Website: www.lwtagency.com Products: Life settlements Serving: Nationwide –––––––––– Life Equity LLC Contact: Ward Kerr 5611 Hudson Dr., Ste. 100 Hudson, OH 44236 (330) 342-7772 (800) 272-5189 Fax: (330) 342-7782 Email: info@lifeequity.com Website: www.lifeequity.com Products/Services: Life Settlements Purchaser & Servicer –––––––––– Life Insurance Buyers, Inc. Contact: Greg Albers, Linda Wilcher 9311 Cherokee Place Leawood KS, 66206 (800) 936-5508 email: lindawilcher@lifeinsurancebuyers.com email: gregalbers@lifeinsurancebuyers.com Website: www.lifeinsurancebuyers.com Serving: Nationwide ––––––––– Life Insurance Settlements Inc. 1500 West Cypress Creek Rd., Ste. 408 Fort Lauderdale, FL 33309 (866) 326-5433 Ext. 1015 (954) 315-2840 Fax: (954) 337-5731 Website: www.LiSettlements.com Products/Services: Life Settlements, Free Policy Appraisal, Free E&O Coverage, Mktg. & Compliance Available, Serving: Nationwide –––––––––– The Lifeline Program 1979 Lakeside Parkway, Ste. 200 Tucker, GA 30084 (800) 252-5282 • (770) 724-7300 Fax: (770) 724-7373 email: info@thelifeline.com Website: www.thelifeline.com Products/Services: Life Settlements –––––––––– Life Settlement Solutions Inc. Contact: Ron Lofgren 4747 Viewridge Ave., Ste. 108 San Diego, CA 92123 (858) 576-8067 Fax: (858) 576-9329 email: info@lifefirms.com Website: www.lss-corp.com Products/Services: Life Settlement Provider Serving: Nationwide –––––––––– Maple Life Financial 4350 East West Hwy., Ste. 900 Bethesda, MD 20814 (877) 777-0635 Fax: (301) 951-1351 email: moreinfo@maplelf.com Website: www.maplelifefinancial.com Product/Services: Secondary Market for Life Insurance, Life Settlement Origination and Servicing Serving: Nationwide –––––––––– Melville Capital Contact: Doug Himmel 127 Broadway, Ste. 202 Santa Monica, CA 90401 (310) 943-5370 (866) 511-5990 email: Dhimmel@MelvilleCapital.com Website: www.melvillecapital.com Products/Services: Life Settlements Serving: Nationwide –––––––––– Noble Financial & Insurance Services, Inc. Contact: Ben Levine 310 N. Westlake Blvd., Ste. 240 Westlake Village, CA 91362 (805) 413-7567 (805) 557-1503 website: www.nfisinc.com email: Ben@nfisinc.com Products/Services: Life Settlements Serving: Nationwide –––––––––– Provident Life Insurance Services, Inc. Contact: Jim Passarelli, President 7575 Dr. Phillips Blvd., Ste. 135 Orlando, Florida 32819 (800) 515-5003 email: Passarelli@ProvidentLIS.com Website: www.ProvidentLIS.com Products/Services: Life Settlements –––––––––– Q Capital Strategies, LLC: IHC Life Settlements Contact: Tony Blankenship 5901 Broken Sound Pkwy, NW, Ste. 200 Boca Raton, FL 33487 (212) 418-3273 (561) 886-4600 Fax: (561) 886-4601 email: info@qcapitalStrategies.com email: policy@qcapitalStrategies.com Website: www.qcapitalStrategies.com Products: Life Settlements Serving: Nationwide except AK, ID, KY, ND, PR, VT, WV –––––––––– Reliant Life Shares Contact: Ken Morris 15260 Ventura Blvd., Suite 1420 Sherman Oaks, CA 91403 (818) 788-1904 email: ken@reliantlifeshares.com Website: reliantlifeshares.com Products: Fractional Life Shares, Life Settlements, Funding Entity Serving: California –––––––––– Save Gains Tax Contact: Paula Straub 1623 La Bonita Way San Marcos, CA 92078 (760) 917-0858 Fax: (866) 401-0424 email: pstraub@aol.com Website: www.savegainstax.com Services/Products: Health and Life Insurance, Covered California, Medicare Products, Annuities, Investment Advice, Charitable Remainder Trust, Sep-IRA, Roth IRA, Deferred Sales trusts, Life Settlements, Pensions, Long Term Care, California Partnership, Tax Strategies, California Insurance Serving: Tax Strategies (Nationwide), Insurance (California) –––––––––– Trinity Financial Services LLC Contact: Greg Scharfeld 940 Centre Circle, Ste. 3022 Alatamonte Springs, FL 32714 (866) 870-8746 (407) 523-1980 Fax: (407) 523-1871 email: info@trinityfinancialllc.com email: greg@trinityfinancialllc.com Website: greg@trinityfinancialllc.com Products/Services: Life Settlements & Life Insurance Sales Serving: Nationwide –––––––––– Welcome Funds Inc. Contact: Daniel Ohman, VP & COO 6001 Broken Sound Parkway, Ste. 320 Boca Raton, FL 33487 (561) 862-0244 (877) 227-4484 Fax: (561) 862-0242 email: info@welcomefunds.com Website: www.welcomefunds.com Products/Services: Secondary Market for Life Insurance Serving: Nationwide Long Term Care LTC Associations American Association for Long Term Care Ins. Contact: Jesse Slome 3835 E. Thousand Oaks Blvd., Ste 336 Westlake Village, CA 91362 (818) 597-3205 email: jslome@aaltci.org Website: www.aaltci.org Products/Services: Sales & Marketing Serving: Nationwide LTC Carriers Advanced LTC Insurance Services Contact: Larry Banks 425 W. Broadway, Ste. 205 Glendale, CA 91204 (818) 547-6677 (800) 427-3209 Fax: (818)547-2220 Email: larry@advancedltc.com Email: barry@advancedltc.com Website: www.advancedltc.com Serving: Nationwide –––––––––– American Life & Health Group 1013 Lucerne Ave., Ste. 200 Lake Worth, FL 33460 (800) 992-1492 Fax: (561) 533-0391 email: info@amlifegroup.com Website: www.amlifegroup.com Products/Services: Long-Term Care, Major Medical, Affordable Health Ins., Medicare Part D, Medi-Care Supplements, Life, Annuity. Serving: Nationwide –––––––––– John Hancock LTC Insurance Contact: LTC Sales Desk 200 Berkeley Street Boston, MA 02116 (800) 270-1700 Ext. 1 Website: www.jhltc.com Products/Services: LTC Insurance, Sales & Marketing Support Serving: California and Nationwide –––––––––– Mutual of Omaha Insurance Company Contact: Brokerage Sales Support Mutual of Omaha Plaza Omaha, NE 68175 (800) 693-6083 email: sales.support@mutualofomaha.com Website: www.mutualofomaha.com Products/Services: LTC Insurers, LTC Sales & Marketing support Serving: Nationwide LTC Sales & Marketing ––––––––– Advanced LTC Insurance Services Contact: Larry Banks 425 W. Broadway, Ste. 205 Glendale, CA 91204 (818) 547-6677 (800) 427-3209 Fax: (818)547-2220 Email: larry@advancedltc.com Email: barry@advancedltc.com Website: www.advancedltc.com Serving: Nationwide –––––––––– AmeriCal Advanced Insurance Solutions, LLC. Contact: Gene Tapper 1964 Westwood Blvd., Ste. 120 Los Angeles, CA 90025 (310) 441-5699 ext. 169 (866) 311-2656 ext. 169 Fax: (310) 441-5660 email: gtapper@americalltc.com Website: www.americalltc.com www.ltc411.com Products/Services: Specialists in Long-Term Care Insurance Strategies Serving: Nationwide & International –––––––––– American Association for Long-Term Care Ins. Contact: Jesse Slome 3835 E. Thousand Oaks Blvd., Ste. 336 Westlake Village, CA 91362 (818) 597-3205 email: jslome@aaltci.org email: info@aaltci.org Website: www.aaltci.org Products/Services: Sales and Marketing Serving: Nationwide ——— American Financial Marketing LLC Contact: Gail Kane 400 Highway 169 South, Ste. 200 Minneapolis, MN 55426 (763) 593-0905 (800) 880-3072 Fax: (763) 545-5223 email: gailk@afmus.com Website: www.afmus.com Products/Services: LTC Marketing and Sales Support Serving: Nationwide –––––––––– American Independent Marketing Contact: John Hennessey 511 W. A St., Yakima, WA 98902 (800) 672-7202 Fax: (800) 829-0391 email: john.hennessey@aimforLTC.com Products/Services: Sales & Marketing Serving: Nationwide –––––––––– American Insurance Marketing Services Inc. Contact: Steven Dozier 101 TechnaCenter Drive Montgomery, AL 36117 (334) 260-6509 (800) 325-9876 Fax: (334) 272-8342 email: info@aimsltc.com Website: www.aimsltc.com Serving: Nationwide –––––––––– California Long Term Care Insurance Services, Inc. Contact: Katie O’Rourke Contact: Louis Brownstone Contact: Donna Martindale 1601 Bayshore Hwy., Ste. 360 Burlingame, CA 94010 (650) 692-5202 (800) 303-1527 Fax: (650) 692-5204 email: katie@cltcinsurance.com email: louis@cltcinsurance.com email: donna@cltcinsurance.com Website: www.californialongtermcare.com –––––––––– Capitas Long Term Care Contact: Rich Kupetsky, CLTC, President 500 La Terraza Blvd., Ste. 150 Escondido, CA 92025 (858) 546-8686 ext. 118 (877) 800-LTCI (5824) Ext. 218 email: rich.kupetsky@capitasfinancial.com Website: www.capitasfinancial.com Products: LTC Serving: Nationwide –––––––––– DI & LTC Insurance Services Contact: Jack B. Schmitz 4302 Redwood Highway, Ste. 400 San Rafael, CA 94903 (415) 472-4800 (800) 924-2294 Fax: (415) 472-7637 email: jack@di-ltc.com Website: www.di-ltc.com Products/Services: DI, LTC, CI Serving: Northern CA and Nationwide –––––––––– ICB/Individual Commercial Brokerage Contact: Aaron Paglia 100 Enterprise Dr., Ste. 500 Rockaway, NJ 07866 (973) 538-5511 (800) 422-0696 Fax: (973) 361-0047 email: info@ica-icb.com email: aaron.p@ica-icb.com Website: www.ica-icb.com Products/Services: LTC Mktg. & Sales Serving: Nationwide –––––––––– John Hancock LTC Insurance Contact: LTC Sales Desk 200 Berkeley Street Boston, MA 02116 (800) 270-1700 Ext. 1 Website: www.jhltc.com Products/Services: LTC Insurance, Sales & Marketing Support Serving: California and Nationwide –––––––––– Liberty Marketing Insurance Services Contact: Holly Mednick 5700 1st Ave. N. St. Petersburg, FL 33710 (800) 329-5799 (800) 810-5678 Fax: (727) 579-9767 email: info@liberty-marketing.com Website: www.liberty-marketing.com Products/Services: Annuities, Life, LTC Sales & Marketing Serving: Nationwide –––––––––– LifeStyle Insurance Service, Inc. Long-Term Care Insurance Contact : Carol Gardner 30448 Rancho Viejo Rd., Ste. 180 San Juan Capistrano, CA 92675 email: cgardner@lifestyleinsurance.com Website: www.lifestyleinsurance.com (949) 272-2260 (949) 493-2056 (800) 493-2056 Ext. 260 Fax: (949) 493-8366 Products/Services: LTC Sales & Marketing Serving: Nationwide –––––––––– LTC Consultants President: Phyllis Shelton Contact: Lawrence Vivenzio 108 Rhoades Lane Hendersonville, TN 37075 (615) 590-0314 (888) 400-1118 ext. 120 Fax: (615) 590-0307 email: lawrence@ltcconsultants.com Website: www.ltcconsultants.com Products/Services: LTC Sales & Marketing Tools, Online & Onsite LTCi Training, Consumer Seminars, Motivational Speeches Serving: Nationwide –––––––––– LTCiTraining .com P.O. Box 409, Rabun Gap, GA 30568 (866) 400-5224 Fax: (813) 464-8018 email: Jennifer@LTCiTraining.com Website: www.LTCiTraining.com –––––––––– LTC Insurers Contact: Jackie Slaughter 8420 West Dodge Rd., 5th Floor Omaha, NE 68114-3446 (402) 343-3637 (800) 786-5566 Fax: (402) 343-9927 email: jackie@seniormarketsales.com Website: www.seniormarketsales.com Products/Services: LTC Sales & Marketing Serving: Nationwide –––––––––– Mutual of Omaha Insurance Contact: Brokerage Sales Support Omaha, NE 68175 (800) 693-6083 email: sales-support@mutualofomaha.com Website: www.mutualofomaha.com Products/Services: LTC Insurers, LTC Sales & Marketing support, Life, DI, Accidental Serving: Nationwide ————— SellingLTC.com Contact: Jennifer Ivey P.O. Box 409, Rabun Gap, GA 30568 (877) 603-2771 Fax: (706) 746-2071 email: info@sellingltc.com Website: www.sellingltc.com Products/Services: LTCI Sales Marketing and Presentation Solutions, Custom Website. Serving: Nationwide ————— Senior Market Sales, Inc. Contact: Dan Trumblee 8420 West Dodge Rd., 5th Flr. Omaha, NE 68114-3446 (402) 397-3311 (800) 786-5566 Fax: (402) 397-0455 email: dtrumblee@seniormarketsales.com Website: www.seniormarketsales.com Products/Services: LTC Sales & Marketing, Life insurance, Annuities, Medicare Advantage, Medicare Supplement Serving: Nationwide ————— Specialists in Health Insurance Services Contact: Ted Porter 3050 Citrus Circle, Ste. 114 Walnut Creek, CA 94598 (800) 300-1376 Fax: (925) 934-3023 email: tedp@sihis.com Website: www.sihis.com Products/Services: LTC Sales & Marketing Serving: Nationwide Life Regional Offices BEST Life & Health Insurance Co. Contact: Jennifer Bolton, VP of Sales and Marketing 2505 McCabe Way Irvine, CA 92614-6243 (800) 237-8543 ext. 169 (949) 222-2169 email: jbolton@bestlife.com Website: www.besthealthplans.com Products: Dental (group, PPO & indemnity); Life (group term, guarantee issue); Vision (PPO & Indemnity) Min. Case Size: 2 Serving: 39 States –––––––––– Boston Mutual Life Life-Group Sales Office Contact: Jeff Jacoby-Group Sales Mgr. 14651 Dallas Pkway., Ste. 140 Dallas, TX 75254 (800) 959-9575 Ext. 622 Fax: (972) 789-0176 email: jeff_jacoby@bostonmutual.com Website: www.bostonmutual.com –––––––––– Crump Life Insurance Services Contact: Christina Flores 8950 Cal Center Dr., Building 2, Ste. 250 Sacramento, CA 95826 (800) 444-6200 (916) 403-4351 Fax: 801-517-7767 email: christina.flores@crump.com Website: www.crumplifeinsurance.com Services: Broker/Dealers Products: Variable Annuities, Variable Life, Fixed Annuities, Insurance Products. –––––––––– Guardian Life Insurance Company of America Newport Beach: Joseph Stefano, Dir. of Sales 4685 MacArthur Court, Ste. 100 Newport Beach, CA 92660 (800) 662-6464 Direct (949) 885-1720 Fax: (949) 453-9919 email: jstefano@glic.com Los Angeles: Arthur Stern, District Mgr. LA (800) 225-3399 (310) 765-2201 email: astern@glic.com San Diego: Gregg Holdgrafer, District Manager, San Diego (800) 769-6759 (619) 881-3502 email: gholdgrafer@glic.com Arizona/New Mexico Brady Myers, District Mgr. (800) 227-8457 Fax: 602 567-2572 email: bmyers1@glic.com Las Vegas: Steve Johnson, District Mgr. (800) 662-6464 (949) 885-1726 email: sjohnson@glic.com Fresno: Brady Spencer, District Mgr. (800) 662-6464 (559) 389-5858 email: bspencer@glic.com Quote email: surequote@glic.com Website: www.guardianlife.com Plan Type: PPO/DHMO Fresno: Products/Services: Dental, LTD, Life, STD, Vision, All available in Voluntary, Contrib. & Non-Contrib. Min. Case Size: 2-5000 Serving: All 50 States –––––––––– Great West Financial Contact: Cheney Hunt 18093 Bluegrass Rd. Ramona, CA 92065 (760) 788-7311 Fax: (760) 788-7025 email: cheney.hunt@gwrs.com Website: www.gwrs.com Serving: San Diego County –––––––––– John Hancock Retirement Plan Services Contact: Derek MacDougall 500 N. Brand Blvd., Ste. 950 Glendale, CA 91203 (818) 552-3400 ext. 857644 (800) 766-2685 Fax: (818) 552-3420 e-mail: derek_macdougall@Jhancock.com Website: www.Jhpensions.com Serving: Pacific Region –––––––––– John Hancock Retirement Plan Services Contact: Howard Joelson 18100 Von Karman Ave., Ste. 400 Irvine, CA 92612 (949) 442-1530 (800) 451-8775 Fax: (949) 442-1540 email: howard_joelson@jhancock.com Website: jhonhancock.com Serving: Orange County –––––––––– Oxford Life Insurance Company Contact: Mike Quaranta 2721 N. Central Ave. Phoenix, AZ 85004 (602) 263-6666 (800) 308-2318 Fax: (866) 380-9691 email: MikeQuaranta@oxfordlife.com Website: www.oxfordlife.com Serving: Nationwide –––––––––– Transamerica Strategic Marketing Desk Contact. Chris Diaz, Director Mktg. Sales Desk 1150 S. Olive St., Ste. T-26-11 Los Angeles, CA 90015 (866) 545-9058 Fax: 213-745-4340 email: lifesales@transamerica.com Website: www.transamerica.com Online Resources AgentSecure/InsureZone Contact: John Pergande 1612 Summit Ave., Ste. 100 Fort Worth, TX 76102 (817) 704-2200 (866) 243-5934 Fax: (817) 885-7987 email: JP@insurezone.com Website: www.insurezone.com –––––––––– Aigilis Corporation Contact: Mark Gebhardt P.O. Box 953279 Lake Mary, FL 32795 (407) 324-3921 (800) 766-0411 Fax: (480) 287-8574 email: Info@aigilis.com Website: www.aigilis.com –––––––––– AIS 1999 Harrison Street, Ste. 1800 Oakland, CA 94612 (800) 788-6524 (510) 893-5331 (925) 899-7880 (direct) Fax: (888) 502-3384 email: doug@ais-insurance.com Website: www.ais-insurance.com Products: Ancillary, Dental, Disability, Life (group); TPAs, Vision, all starting at one life, Voluntary medical “gap” plans Serving: AZ, CA, NV, OR, ID, TX, UT, WA, –––––––––– Benaissance/COBRAPoint Contact: John B. Jenkins 11808 Grant St., Ste. 200 Omaha, NE 68164 (402) 884-7021 (877) 884-7021 Ext. 101 Fax: (402) 991-5374 email: john.jenkins@benaissance.com Website: www.benaissance.com Products/Services: Carrier Billing, COBRA, Direct Bill, ARRA, HIPAA, Compliance Administration Software, Online Resources Min.Case Size: 2+ Serving: Nationwide –––––––––– Benesyst, Inc. Contact: Michelle Thomson 14271 Jeffrey Road., Ste. 180 Irvine, CA 92620 (949) 433-7951 (608) 268-8887 email: michelle.thompson@tascline.com Website: www.benesyst.net Products/Services: Spending Account Services (FSA, HRA, HSA, Commuter), COBRA, Retiree Billing, Online Enrollment and Eligibility Management, Tuition Reimbursement, Wellness Serving: Nationwide –––––––––– BeneTrac Contact: Summer Hamilton, VP of Sales 2385 Northside Drive, Ste. 100 San Diego, CA 92108 Phone: (619) 788-5800 (877) 645-4342 Fax: (619) 788-5801 (Operations) Fax: (619) 788-5802 (Sales) Email: shamilton@benetrac.com Website: www.benetrac.com –––––––––– Dentalinsurance.com Contact: Avery Smith 3030 S. Bundy Dr. Los Angeles, CA 90066 (310) 437-7217 Direct (800) 366-5656 (310) 390-1000 ext. 217 Fax: (310) 390-3158 email: as@kelsey.com Website: www.dentalinsurance.com Products/Services: Dental Insurance Plans Plan Type: DHMO, PPO, Indemnity, Discount Min. Case Size: 1 Serving: Nationwide –––––––––– Ebix Health Contact: Ed Buck 1300 E. Shaw, Ste. 109 Fresno, CA 93710 (877) 805-2828 ext. 204 Fax: (559) 256-1009 email: ed.buck@ebix.com Web: www.ebix.com Products/Services: Quoting Group/IFP, Websites, HR connect; HR Support Center, Payroll, COBRA, POP, FSA, EAP, HR Resources, Voluntary Benefits Serving: CA, CO, CT, DE, DC, FL, GA, MD, MO, NH, NJ, NY, OH, OK, PA, TX, VT, VA, WA –––––––––– HR Ideas, Inc. Bishop Ranch 2 Contact: Deisy Bach 2680 Bishop Dr., Ste 126 San Ramon, CA 94583 (925) 556-4404 Fax: (925) 359-1470 email: info@hrideas.com Website: www.hrideas.com Products: HR, Recruiting, Training & Safety –––––––––– JHPInsight 1344 Disc Dr., Ste. 210 Sparks, NV 89436 (888) 837-4748 Fax: (800) 905-6750 email: service@jhpinsite.com Website: www.jhpinsite.com Products: Internet Quote Engine –––––––––– JHC Insurance Services Contact: Joe Hernandez P.O. Box 3879 Ventura, CA 93006-3879 (805) 644-9678 (888) 542-4467 Fax: (805) 644-9676 email: admin@jhcbenefits.com Website: www.jhcbenefits.com Products/Services: COBRA Medical, Dental, Employee Choice Plans, Online Resources, Prescription Drug, Sec. 125, TPAs, HRAs, FSAs Plan Type: PPO, Employee Choice, EPO, Indemnity Serving: CA –––––––––– LTC Consultants President: Phyllis Shelton Contact: Lawrence Vivenzio 108 Rhoades Lane Hendersonville, TN 37075 (615) 590-0315 (888) 400-1118 ext. 120 Fax: (615) 590-0307 email: lawrence@ltcconsultants.com Website: www.ltcconsultants.com Products/Services: LTC Sales & Marketing Tools, Online & Onsite LTCi Training, Consumer Seminars, Motivational Speeches Serving: Nationwide –––––––––– LTCiTraining.com 108 Rhoades Lane Hendersonville, TN 37075 (866) 400-5224 Fax: (813) 464-8018 email: Jennifer@LTCiTraining.com Website: www.LTCiTraining.com —————- Parasol Leads Contact: Tom Carolan P.O. Box 1216 Arroyo Grande, CA 93421 (888) 778-0410 Fax: (888) 820-1650 email: info@parasolleads.com Website: www.parasolleads.com Services: Online Resource, Exclusive insurance leads Serving: Nationwide —————- Quotit®Corporation 721 S. Parker St., Suite 330 Orange, CA 92868 (866) 478-6899 Fax: (714) 564-5025 Email: info@quotit.com Website: www.quotit.com –––––––––– SellingLTC.com Contact: Jennifer Ivey P.O. Box 409 Rabun Gap, GA 30568 (877) 603-2771 Fax: (706) 746-2071 email: info@sellingltc.com Website: www.sellingltc.com Paramedical APPS Portamedic (877) 314-3771 email: support@appshq.com Bakersfield (661) 397-3063 APPS76@appsdom.com Central Valley (559) 369-4949 (800) 510-5203 Lodi.CA@APPSdom.com Fresno, CA (559) 230-2644 (800) 510-5203 BR288@portamedic.com Garden Grove (714) 748-4580 apps33@appsdom.com Inland Empire (909) 243-7900 Apps68@appsdom.com Los Angeles (800) 439-2770 apps09@appsdom.com San Diego (619) 497-0080 APPS34@appsdom.com San Francisco (650) 375-1750 APPS37@appsdom.com San Jose (408) 551-0351 APPS10@appsdom.com Ventura (805) 654-0749 apps55@appsdom.com Walnut Creek (800) 972-9777 APPS16@appsdom.com Examination Management Services Inc. Bakersfield (661) 735-3368 Burlingame (650) 777-0955 Chico (530) 895-3203 Colton (909) 370-0350 Hollywood (877) 506-4320 Irvine (949) 436-7497 Los Angeles – Gardena (310) 366-5820 Los Angeles – Montebello (323) 722-4100 Los Angeles – Wilshire (213) 616-0083 Oakland (510) 639-1813 Orange County – Brea (714) 674-0724 Sacramento North (916) 729-0700 San Diego Branch (619) 758-7777 Santa Clarita Valley – Canyon Country (661) 251-3800 Van Nuys (818) 909-0807 –––––––––– ExamOne Glendale – SF Valley & Ventura County 230 N. Maryland Ave., Ste. 110 Glendale, CA 91206 email: glendale@examone.com (855) 570-3926 Los Angeles – 420 E. 3rd St., Ste. 802 Los Angeles, CA 90013 (855) 570-3926 tolucalake@examone.com Orange – Orange & LA County 946 W. Town & Country Rd., Bldg. B Orange, CA 92868 email: orangecounty@examone.com (855) 570-3926 3600 Central Ave. Ste. 3 Riverside CA, 92506 Exam One (cont.) email: sanbernardino@examone.com (855) 570-3926 San Diego – San Diego County 5575 Ruffin Rd., Ste. #230 San Diego, CA 92123 email: sandiego@examone.com (855) 570-3926, Concord – San Francisco East Bay Area 5167 Clayton Rd, Ste. H Concord, CA 94521 email: concord@examone.com (925) 288-9850, San Jose – South Bay Area 2905 Stender Way Ste. 32 Santa Clara, Ca 95054 email: sanjose@examone.com (866) 213-9496 Sacramento – Stockton & North Coast 720 Sunrise Ave., Ste. 102-C Roseville, CA 95661 email: sacramento@examone.com (916) 786-5890, –––––––––– Superior Health Examiners Inc. Contact: Debra Hanson Main Office: 24009 Ventura Blvd., Ste. 240 Calabasas, CA 91302 (800) 564-3543 Fax: (818) 593-8629 email: Superiorhealthfaxes@gmail.com Paramedical Services Mobile, Parameds, In-House Parameds, Medical Doctors (mobile), Board Certified Doctors, Blood Draws, HOS, EKG, X-Ray, TVC, Treadmills (mobile), Portamedic Approval Serving: Nationwide –––––––––– Superior Mobile Ins. Solutions Contact: Meg Rose 3838 Camino Del Rio North, Ste. 250 San Diego, CA 92108 (619) 500-6264 • (800) 898-3926 Opt 1 email: mrose@smminsurance.com Website: smminsurance.com Health Data Collection, Paramedical Exams Medical Records Retrieval ––––––––– MVP Record Retrieval Contact: Chuck Dart P.O. Box 5237. Modesto, CA 95352 (209) 342-6662 (866) 377-0018 Fax: (866) 377-0019 email: cdart@mvpretrieval.com Website: www.mvpretrieval.com Service: Nationwide APS & med. record retrieval –––––––––– Datafied Contact: Linda Nefos 1210 N. Jefferson St., Ste. P Anaheim, CA 92807 email: lnefos@datafied.com Website: www.datafied.com (877) 328-2343 x. 242 Fax: (800) 922-3892 Service: APS Copy Service/Records Retrieval Section 125 AFLAC, Torrance Contact: Cameron Bell 2390 Crenshaw Blvd., Ste. 307 Torrance, CA 90501 (626) 379-4265 Fax: (909) 266-9622 email: cameron_bell@us.aflac.com Website: www.aflac.com Website: www.aflacforbrokers.com Products: Group (Accident, CI, COBRA, STD, Dental, Hospital, Life), Group Worksite Products with Guarantee Issue, Specializing in Credit Unions Services: Implementation, Employee Communication, One-On-One Enrollments, Cafeteria Plan, Enrollments, Online Enrollments Min. Case Size: 100+ Ind., 100+ Group Serving: CA ––––––––– AFLAC, LaVerne Contact: Henry Sauceda 2268 Alpha Circle La Verne, CA 91750 (909) 257-5696 (800) 356-2644 x 6657239 email: Henry.Sauceda@cunamutual.com Website: Cunamutual.com Products: Credit Union Association, Trust, PEOs, Self Funded, Fully Insured Medical, Dental, Life, Disability and Worksite Services: Implementation, Employee Communication, One-On-One Enrollments, Cafeteria Plan, Enrollments, Online Enrollments Min. Case Size: 50+ Group Serving: CA, AZ, NV, AK, HI, CO, MT, ID, OR, WA, CO, WY ––––––––– AFLAC, Los Angeles Contact: Adam Michaels 12121 Wilshire Blvd., Suite 1000 Los Angeles CA 90025 (310) 744-6101 Fax: (310) 744-6199 email: adam_michaels@us.aflac.com Website: www.aflac.com Minimum Group Size: 3 Products/Services: Group & Individual Lines (Accident, CI, Cancer, Hosp., Disability, Life, Dental, Vision) Guarantee Issue, Sec. 125, FSA, Parking & Transit, COBRA, Core Enrollment, Benefit Statements, Per Diem Available Serving: Nationwide –––––––––– Benefits Store Inc. Contact: Roger Smith or Jake Schroeder (800) 446-2663 Fax: (925) 855-2051 email: info@benefitsstore.com Website: www.benefitsstore.com Products/Services: Association health (group), TPA for Small Group Cafeteria Plans Serving: Nationwide –––––––––– Benesyst, Inc., a TASC Company Contact: Michelle Thompson, Senior Account Exec., West U.S. 14271 Jeffrey Road, Ste. 180 Irvine, CA 92620 (949) 433-7951 or (608) 268-8887 email: michelle.thompson@tasconline.com Website: www.benesyst.net Products/Services: Spending Account Services (FSA, HRA, HSA, Commuter), COBRA, Retiree Billing, Online Enrollment Consolidated Billing, Eligibility Management, Tuition Reimbursement adminstration, Wellness Rewards Administration Serving: Nationwide ––––––––– BEN-E-LECT Contact: Marketing Department 5429 Avenida de Los Robles, Ste. A Visalia, CA 93291 (559) 733-1240 Fax: (559) 635-6527 Website: www.benelect.com Products: Cafeteria Plans, Dental (group); EOB Concierge, Health (consumer-driven, group, HRA, HSA MERP, integrated plans, self-funded administration); Vision, Web Portal, Life (group), Debit Card, Payroll, HR Serving: AZ, CA, CO, KS, NV, WA –––––––––– BPI-Flex Administrators Contact: Sarah Fakan 432 East Pearl Street Miamisburg, OH 45342 (800) 865-6543 ext. 104 Fax: (937) 865-6502 email: info@BusinessPlansInc.com Website: www.myCafeteriaPlan.com Website: www.myBenefitStatements.com Website: www.myCobraPlan.com Min. Case Size: 10 Products/Services: TPA Services, Total Compensation Statements, COBRA Administration, Retiree Billing –––––––––– Choice Builder Kevin M. Timone, Chief Sales Officer 721 S. Parker, Ste. 200 Orange, CA 92868 (866) 412-9254 Fax (866) 412-9261 Email: ktimone@choceadmin.com Website: www.choicebuilder.com Products/Services: TPA, Employee Choice Ancillary Benefits, Dental, Vision, Chiropractic, Acupuncture, Group Life, Section 125, HR Support, Cal Perks Discounts Min. Case Size: 2 to 99 –––––––––– CONEXIS Contact: Marc McGinnis 721 S. Parker, Suite 300 Orange, CA 92868 (877) CONEXIS [266-3947] Ext. 4623 email: mmcginnis@CONEXIS.com Website: www.CONEXIS.com Products/Services: Employee Benefit Administration – FSA, HRA, HSA, Commuter Benefits, COBRA, and Direct Bill Services Min. Case Size: 2 to Unlimited Serving: Nationwide –––––––––– Core Documents Inc. Contact: Gene Ennis P.O. Box 14538 Bradenton, FL 34280 (888) 755-3373 Fax: (941) 795-4802 email: coreservice@coredocuments.com Website: www.CoreDocuments.com Products/Services: Section 125 POP, FSA, HSA 132 & HRA Plan Documents Serving: Nationwide –––––––––– Ebix Health Contact: Ed Buck 1300 E. Shaw, Ste. 109, Fresno, CA 93710 (877) 805-2828 ext. 204 Fax: (559) 256-1009 email: ed.buck@ebix.com Website: www.ebix.com Products/Services: Quoting Group/IFP, Ebix Health (cont.) Websites, HR connect; HR Support Center, Payroll, COBRA, POP, FSA, EAP, HR Resources, Voluntary Benefits Serving: CA, CO, CT, DE, DC, FL, GA, MD, MO, NH, NJ, NY, OH, OK, PA, TX, VT, VA, WA –––––––––– Infinisource Inc. Contacts: Vicki Burke 15 East Washington St. P.O. Box 889 Coldwater, MI 49036 (517) 489-4581 Fax: (517) 278-0764 email: vburke@infinisource.com Website: www.infinisource.com Products/Services: Workforce Management Administrator for Human Capital Management, COBRA, FSAs, HRAs,HSAs, POP, Time and Attendance, HIPAA, Privacy & Security, Payroll, HR Services, Portability Solutions Serving: Nationwide –––––––––– JHC Insurance Services Contact: Joe Hernandez P.O. Box 3879 Ventura, CA 93006-3879 (805) 644-9678 (888) 542-4467 Fax: (805) 644-9676 email: admin@jhcbenefits.com Website: www.jhcbenefits.com Products/Services: COBRA Medical, Dental, Employee Choice Plans, Online Resources, Prescription Drug, Sec. 125, TPAs, HRAs, FSAs Plan Type: PPO, Employee Choice, EPO, Indemnity Serving: CA –––––––––– PayPro Administrators Contact: Bobbi Hamilton Kaelin for Payroll, FSA, HRA, COBRA, HIPAA, QTA, HRIMS, HRA, HSA, Sec. 125 Contact: Felix Acajabon for Pension & Pension Plan Administration 6180 Quail Valley Ct. Riverside, CA 92507 (800) 427-4549 Fax: (951) 656-9276 (951) 656-9273 Ext. 226 Bobbi (951) 656-9273 Felix email: bobbih@pagroup.us email: felixa@pagroup.us email: sales@pagroup.us Website: www.pagroup.us Products/Services: Flex, HRA, COBRA/HIPAA, Pension and Payroll, Section 125, HRIS –––––––––– Tricast Inc. Contact: Rob Bigalke 10400 W. Innovation Dr., Ste. 310 Milwaukee, WI 53226 (414) 302-9733 ext. 208 (888) 321-2021 Fax: (414) 302-9837 email: learnmore@tricast.com email: kristin.karakis@tricast.com email: rob.bigalke@tricast.com Website: www.tricast.com Products/Services: Audit, PBM RFPs, Prescription Drug Plans, Sec. 125, Surveillance, Wellness, Fraud, Waste and Abuse Min. Case Size: 25 Serving: Nationwide Third Party Aministrators (TPAs) Advantek Benefit Administrators Contact: Erin Ellis P.O. Box 45007 Fresno, CA 93718 (866) 556-7655 Fax: (559) 228-5460 email: eellis@santehealth.net Website: www.advantekbenefit.com Products/Services: TPA for Medical, Dental & Vision, COBRA/HIPAA, Utilization Management & Disease Management Serving: Nationwide –––––––––– Affordable Benefit Administrators Inc. Contact: Marie Ackad 444 Irving Dr., Ste. 202, Burbank, CA 91504 (818) 842-0147 (800) 350-0148 Fax: (818) 842-0225 email: m_ackad@benefitsaba.com Website: www.benefitsaba.com Products/Services: TPA for partially self-funded Medical, Dental, Vision, HSA plans, Cobra/HIPAA & flex, Utilization Review and Case Management and well versed in the Affordable Care Act Serving: Nationwide –––––––––– AGIA Insurance Services Contact: David H. McCarty 1155 Eugenia Place Carpinteria, CA 93013 (800) 244-2462 Fax: (763) 416-4931 email: DMcCarty@AGIA.com Website: www.agia.com Products/Services: Associations, Life, Accident & Health, Emergency Assistance Travel Serving: Nationwide –––––––––– AIS Contact: Doug Shimada 1999 Harrison Street, Ste. 1800 Oakland, CA 94612 (800) 788-6524 (510) 893-5331 ext. 125 Fax: (888) 502-3384 email: doug@ais-insurance.com Website: www.ais-insurance.com Products/Services: Ancillary, Dental, Vision, Disability, Life (Group); TPAs, all starting at one life, Voluntary medical Min. Case Size: 1 Serving: AZ, CA, ID, NV, OR, TX, UT, WA –––––––––– American Association for Quality Healthcare Contact: Nancy Ginter 23251 Mullholland Dr. Woodland Hills, CA 91364-2732 (818) 591-8700 (800) 669-8700 Fax: (818) 591-8722 email: info@aaqhc.com Website: www.aaqhc.com Products: Dental (ind., group); Health (group); Vision Serving: CA –––––––––– Beneficial Administration Contact: Steve Course 2505 McCabe Way Irvine, CA 92614 (949) 756-1000 (800) 854-7417 Fax: (949) 724-1603 email: scourse@beneficialadmin.com Website: www.beneficialadmin.com Products/Services: Individual, Small Group & Mid-Market Administration, “Fully Insured and ASO” Serving: Nationwide –––––––––– Benefit Resource, Inc. Contact: Tom Guiler, Vice-President 245 Kenneth Drive Rochester, NY 14623-4277 Toll Free: 866-996-5200 email: tguiler@benefitresource.com email: info@benefitresource.com Website: www.benefitresource.com Products: Flexible Spending Accounts, Health Reimbrustement Accounts, Health Savings Accounts and Communiter Benefits Min. Case Size: 5 Serving: Nationwide –––––––––– Benefit Service Center Contact: Scott Freeman 9500 Topanga Canyon Blvd. Chatsworth, CA 91311 (800) 842-6635 Fax: (818) 678-0027 email: services@bscinc.com Website: www.bscinc.com Products/Services: Employee Benefits Administration including: Premium Reconciliation, Billing, Eligibility, Open Enrollments, New Hire Administration, COBRA, Retiree Administration, Claims Advocacy, Database Management, and Call Center, FSA Min. Case Size: 250 Serving: Nationwide –––––––––– Benefit & Risk Management Services Inc. Contact: Paul Schafer 80 Iron Point Circle, Ste. 200 Folsom, CA 95630 (916) 467-1400 Ext. 1245 Fax: (916) 467-1401 email: paul.schafer@brmsonline.com Website: www.brmsonline.com Products/Services: Full-Service Employee Benefit TPA (Group Medical, Dental, Vision, Sec. 125, Flexible Spending Accounts, COBRA/HIPAA, medical management, and utilization review with proprietary Virtual Benefits Administration System (Vbas) Min. Case Size: 50 Serving: Nationwide –––––––––– BEN-E-LECT Contact: Marketing Department 5429 Avenida de Los Robles, Ste. A Visalia, CA 93291 (559) 733-1240 Fax: (559) 635-6527 Website: www.benelect.com Products: Cafeteria Plans, Debit Card; Dental (group); EOB Concierge; Health (consumer-driven, group, HRA, HSA MERP, integrated plans, self-funded administration); HR; Life (group); Payroll; Vision; Web Portal Serving: AZ, CA, CO, KS, NV, WA –––––––––– Benesyst, Inc. Contact: Michelle Thompson 14271 Jeffrey Road, Ste. 180 Irvine, CA 92620 (949) 433-7951 (608) 268-8887 email: michelle.thompson@tasconline.com Website: www.benesyst.net Products/Services: Spending Account Services (FSA, HRA, HSA, Commuter), COBRA, Retiree Billing, BeneSmart® Online Enrollment and Eligibility Management, Tuition Reimbursement, Wellness, Rewards Administration Serving: Nationwide –––––––––– BPI-Flex Administrators Contact: Sarah Fakan 432 East Pearl Street Miamisburg, OH 45342 (800) 865-6543 ext. 104 Fax: (937) 865-6502 email: info@BusinessPlansInc.com Website: www.myCafeteriaPlan.com Website: www.myBenefitStatements.com Website: www.myCobraPlan.com Min. Case Size: 10 Products/Services: TPA Services, Total Compensation Statements, Cobra Administration, Retiree Billing ––––––––– CaliforniaChoice® Kevin M. Timone, Chief Sales Officer 721 South Parker, Suite 200 Orange, CA 92868 (800) 542-4218 Fax: (714) 542-4244 Email: ktimone@choiceadmin.com Website: www.calchoice.comre Products/Services: TPA, Employee Choice (HMO/PPO/HSAs), Ancillary Benefits, Dental, Vision, Chiropractic, Acupuncture, Group Life, Payroll Services, Cal Perks Discounts, HR Support Min. Case Size: 2-50 ––––––––– CaliforniaChoice 51+ Kevin M. Timone, Chief Sales Officer 721 South Parker, Suite 200 Orange, CA 92868 Phone: (866) 226-7431 Fax: (714) 347-3840 Email: ktimone@choiceadmin.com Website: www.calchoiceplus.com Products/Services: TPA, Employee Choice (HMO/PPO/HSAs), Ancillary Benefits, Dental, Vision, Chiropractic, Acupuncture, Group Life, Cal Perks Discounts, HR Support Min. Case Size: 51-199 –––––––––– Capitol Administrators Contact: Dave Reynolds 2920 Prospect Park Dr., Ste. 210 Rancho Cordova, CA 95670 (916) 669-2510 Fax: (916) 669-0575 email: dreynolds@capitoladm.com Website: www.capitoladm.com Products/Services:TPAs Min. Case Size: 50 Serving: Nationwide –––––––––– Choice Builder® Kevin M. Timone, Chief Sales Officer 721 S. Parker, Suite 200 Orange, CA 92868 Phone: (866) 412-9254 Fax (866) 412-9261 Email: ktimone@choiceadmin.com Website: www.choicebuilder.com Products/Services: TPA, Employee Choice Ancillary Benefits, Dental, Vision, Chiropractic, Acupuncture, Group Life, Section 125, HR Support, Cal Perks Discounts Min. Case Size: 2 to 99 –––––––––– Coastal TPA Inc. Contact: Debi Hardwick 928 East Blanco Road Salinas, CA 93901 (831) 754-3800 Ext. 104 (800) 564-7475 Fax: (831) 754-3830 email: DHardwick@coastalmgmt.com Website: www.coastalmgmt.com Products/Services: Group Medical, Dental & Vision Claims Administration; Disease Management and Preferred Provider Panels, Medical and Dental Provider Networks Min. Case Size: 50 to Unlimited Serving: Nationwide –––––––––– CONEXIS Contact: Marc McGinnis 721 S. Parker, Suite 300 Orange, CA 92868 (877) CONEXIS [266-3947] Ext. 4623 email: mmcginnis@CONEXIS.com Website: www.CONEXIS.com Products/Services: Employee Benefit Administration – FSA, HRA, HSA, Commuter Benefits, COBRA, and Direct Bill Services. Min. Case Size: 2 to Unlimited Serving: Nationwide –––––––––– Contractor’s Choice® Constance Sullivan, Vice President 721 South Parker, Suite 200 Orange, CA 92868 (866) 358-9456 Fax: (714) 542-9309 Email: csullivan@contractorschoice.net Website: www.contractorschoice.net Products/Services: TPA, Employee Choice (HMO/PPO), Ancillary Benefits, Dental, Vision, Group Life Min. Case Size: 5 –––––––––– CoPower Inc. Contact: Pratibha Patel 1600 W. Hillsdale Blvd. San Mateo, CA 94402 (888) 920-2322 Fax: (650) 348-1149 Products: CoPower ONE, bundled product with Dental, Vision, and Life, CoPower Suite with MetLife, and Dental and Vision products Services: Third Party Administrator for Dental, Vision, Group Life Min. Case Size: 2 Serving: Nationwide –––––––––– Cypress Dental & Vision Contact: Sales 7510 Shoreline Dr., Ste. A-1 Stockton, CA 95219 (800) 350-3989 Fax: (209) 478-5614 email: sales@cypressadmin.com Website: www.cypressadmin.com Products/Services: Dental and Vision plans, Fully Insured, TPA, Self-Funded Plans (group & individual) Min. Case Size: 1 Serving: CA –––––––––– Direct Dental 209 San Anselmo Ave. San Anselmo, CA 94960 (415) 457-2836 Fax: (415) 454-2928 email: drjohn@directdentalplans.com Website: www.directdentalplans.com Products/Services: TPA –––––––––– Ebix Health Contact: Ed Buck 1300 E. Shaw, Ste. 109 Fresno, CA 93710 (877) 805-2828 ext. 204 Fax: (559) 256-1009 email: ed.buck@ebix.com Website: www.ebix.com Products/Services: Quoting Group/IFP, Websites, HR connect; HR Support Center, Payroll, COBRA, POP, FSA, EAP, HR Resources, Voluntary Benefits Serving: CA, CO, CT, DE, DC, FL, GA, MD, MO, NH, NJ, NY, OH, OK, PA, TX, VT, VA, WA –––––––––– eflexgroup.com (eflex) Contact: Tom Jacobs 2740 Ski Lane Madison, WI 53713 (608) 243-8277 (877) 933-3539 Fax: (877) 231-1287 email: teamwest@eflexgroup.com Website: www.eflexgroup.com Products/Services: FSA, HSA, HRA, Transit, COBRA, Debit Card, On-Line Enrollment and Eligibility Min. Case Size: N/A Serving: Nationwide –––––––––– Employee Benefits Specialists, Inc. Contact: Jennifer Leugers 5934 Gibraltar Dr., #206 Pleasanton, CA 94588 (925) 460-3910 (800) 229-7683 Fax: (925) 460-3920 email: jennifer.leugers@ebsbenefits.com website: www.ebsbenefits.com Products: FSA, Section 132, COBRA, Retiree Administration, Invoice Reconciliation, Voluntary, WORKTERRA – our proprietary online enrollment and eligibility system Serving: Nationwide –––––––––– Employer Administrative Services Co. Contact: Jack C. Annett 2455 Bennett Valley Blvd., Ste. B303 Santa Rosa, CA 95404 (707) 546-4570 Fax: (707) 524-2387 email: jack@easc.com Website: www.easc.com Products/Services: TPAs Min. Case Size: 50 Serving: CA –––––––––– HealthNow Administrative Services 2520 Venture Oaks Way, Ste. 450 Sacramento, CA 95833 (800) 220-2600 Fax: (916) 604-3470 email: Anderson.Margaret@healthnow.org Website: www.hnas.com Products: COBRA/HIPAA, Flexible Benefits, Self Funded Plans, Ancillary Products, Dental, Vision, Life & DI Insurance Min. Case Size: 50 to Unlimited Serving: Nationwide –––––––––– Infinisource Inc. Contacts: Vicki Burke 15 East Washington St. P.O. Box 889 Coldwater, MI 49036 (517) 489-4581 Fax: (517) 278-0764 email: vburke@infinisource.com Website: www.infinisource.com Products/Services: Workforce Management, Administrator for Human Capital Management, COBRA, FSAs, HRAs,HSAs, POP, Time and Attendance, HIPAA, Privacy & Security, Payroll, HR Services, Portability Solutions Serving: Nationwide –––––––––– Innovative Pension Strategy & Design Contact: Sidney Lopez 14251 Danielson St., Poway, CA 92064 (858) 748-6500 (858) 218-3441 Fax: (858) 748-0615 email: Sidney@ipsd.com Website: www.ipsd.com Website: www.innovativepension.com Products/Services: 401(k), defined benefit plans Min. Case Size: 1 Serving: Nationwide _________ JHC Insurance Services Contact: Joe Hernandez P.O. Box 3879 Ventura, CA 93006-3879 (805) 644-9678 (888) 542-4467 Fax: (805) 644-9676 email: admin@jhcbenefits.com Website: www.jhcbenefits.com Products/Services: COBRA Medical, Dental, Employee Choice Plans, Online Resources, Prescription Drug, Sec. 125, TPAs, HRAs, FSAs Plan Type: PPO, Employee Choice, EPO, Indemnity Serving: CA ————– Kelsey National Corp. Contact: Mark Kelsey 3030 S. Bundy Dr. Los Angeles, CA 90066 (310) 437-7241 (800) 366-5656 Ext. 241 Fax: (310) 390-3158 email: mk@kelsey.com Website: www.kelsey.com Products/Services: TPAs Min. Case Size: 1 Serving: Nationwide –––––––––– Merchants Benefit Administration, Inc Contact: Brittney Neidhardt 15974 N. 77th St., Ste. 102 Scottdale, AZ 85260 (800) 800-6543 Fax: (480) 776-5050 email: agentservices@mbaadmin.com Website: www.mbaadmin.com Products/Services: Dental (ind.), Health (Group), Life (Guaranteed Issue) Min. Case Size: 1 Serving: Nationwide –––––––––– MESVision Contact: Mike Schell 345 Baker St. Costa Mesa, CA 92626 (800) 877-6372 Fax: (714) 619-4670 email: mschell@mesvision.com Website: www.mesvision.com Products/Services: Group Vision Plans (Fully Insured and Self-Funded) Min. Case Size: 5 Serving: Nationwide –––––––––– MVI Administrators Contact: Jeff Van De Moere 1011 Camino Del Rio South, Ste. 300 San Diego, CA 92108 (619) 260-2660 (800) 927-8380 Fax: (619) 260-2666 email: jv@mviadmin.com Website: www.mviadmin.com Products/Services: TPAs –––––––––– MWG Dental Plan & Vision Plan Contact: Robin Williams P.O. Box 14067, Jackson, MS 39236 5722 I-55 N. Frontage Rd. Jackson, MS 39211 (601) 956-2028 Ext.1116 (800) 800-1397 Fax: (601) 956-1702 email: robin.williams@morganwhite.com Website: www.mwgdental.com Products/Services: TPA Min. Case Size: 2 Serving: Nationwide –––––––––– National Retirement Services Inc. (NRS) Contact: Nate Delong 5832 Bolsa Ave., Ste. 100 Huntington Beach, CA 92649 (714) 622-3244 (800) 350-2172 Fax: (714) 622-3189 email: Nate.Delong@NRServices.com Website: www.nrservices.com Products/Services: TPAs, Profit sharing and Defined Benefit Plans Min. Case Size: 1 Serving: Nationwide –––––––––– OptumHealth Contact: Steve Grunewald P.O. Box 9472, NV960-1000 Minneapolis, MN 55440-9472 (866) 427-6804 email: steve.grunewald@optum.com Website: www.optumhealthfinancial.com Products/Services: HSA (Banking), FSA, HRA, COBRA, Retiree, Transportation Serving: Nationwide ––––––––– Pacific Benefits iFlex, Inc. Contact: Mimi Lyon 3090 Fite Circle, Ste. 101 Sacramento, CA 95827 (916) 363-2101 ext. 226 Fax (916) 363-4213 email: mimi@pacificbenefits.com Website: www.pacificbenefits.com Products/Services: TPA, FSA, HRA, HSA, POP, Transportation Serving: Nationwide –––––––––– PayPro Administrators Contact: Bobbi Hamilton Kaelin for Payroll, FSA, HRA, COBRA, HIPAA, QTA, HRIMS, HRA, HSA, Sec. 125 Contact: Felix Acajabon for Pension & Pension Plan Administration 6180 Quail Valley Ct., Riverside, CA 92507 (800) 427-4549 (951) 656-9273 Ext. 226 Bobbi (951) 656-9273 Felix Fax: (951) 656-9276 email: bobbih@pagroup.us email: felixa@pagroup.us email: sales@pagroup.us Website: www.pagroup.us Products/Services: Flex, HRA, COBRA/HIPAA, Pension and Payroll, Section 125, HRIS –––––––––– P&A Administrative Services, Inc. Contact: Rick Neward 411 Marigold Ave. Corona Del Mar, CA 92625 (949) 202-8266 (800) 688-2611 Fax: (716) 855-7156 Email: newardr@padmin.com Website: www.padmin.com Products/Services: FSA, HRA, HSA, Commuter, COBRA and Retiree Billing Min. Case Size: 10 –––––––––– Pinnacle Claims Management, Inc. Contact: Camin Turner, Regional Sales Mgr. 17620 Fitch, Irvine, CA 92614 (209) 210-8092 Fax: (949) 809-8943 email: cturner@pinnacletpa.com Website: www.pinnacletpa.com Products/Services: Full-service health benefits administration for self-funded employers. Offering medical, dental, pharmacy, vision, FSA, COBRA, and retiree administration, in addition to integrated disease and care management programs, wellness and more. Online tools, proprietary networks, and customized reporting available to empower both the employer and their employees. Also provides administration, sales and agent support for Covered Califronia’s Small Business health Options Program (SHOP). Serving: Western United States –––––––––– Polycomp Administrative Services Inc. Contact: Kim Torio 6400 Canoga Ave., Ste. 250 Woodland Hills, CA 91367 (818) 716-0111 (800) 736-7090 Fax: (818) 346-8672 email: ktorio@polycomp.net Website: www.polycomp.net Products/Services: 401(k), Profit Sharing, Defined Benefit Plans, 403(b), Prevailing Wage Retirement Plans Min. Case Size: 1 Serving: Nationwide –––––––––– Pram Insurance Services, Inc. Contact: David P. Wilson, CEO 711 East Imperial Highway, Ste. 100 Brea, CA 92821 (714) 671-3951 ext. 12 Cell (714) 904-7850 Fax: (714) 255-0977 email: dwilson@pram.com Website: www.pram.com Products: MGU for Fully Insured Prescription Drug Card Plans for Traditional Employers, Associations, Voluntary Plans, Worksite, Limited Benefit and Indemnity Plans Services: National Registered Adminstrator “TPA” dedicated exclusively to providing Full Turnkey Pharmacy Administration PBR Pharmacy Auditing for Employer Plans Min. Case Size: 100 Serving: Nationwide –––––––––– PRB Insurance and Financial Services 1990 S. Bundy Drive, Ste 410 Los Angeles, CA 90025-1448 (424) 248-2441 Fax: (424) 248-2461 email: info@prbinc.com Website: www.prbinc.com Products/Services: TPAs, 401(k), Individual and Group Life and Disability Insurance, NQDC, Employee Benefits, Retirement Income Planning, Financial Planning. –––––––––– Precept Insurance Solutions LLC Contact: Lexi Ruben 130 Theory, Ste. 200 Irvine, CA 92617 (949) 955-1430 (800) 344-1430 Fax: (949) 955-9471 email: info@preceptgroup.com Website: www.preceptgroup.com Products: AD&D, Cafeteria Plans, COBRA, Dental (group, ind.); Disability (group); Financial Planning, Health (group, HSA, self funded administration); Life (group term); LTC, Pension (401[k], Pension plans/ profit sharing); Vision; Wellness; Worksite Marketing Serving: Nationwide –––––––––– Qualified Benefits Contact: Gregory Taylor 21031 Ventura Blvd., 12th Flr. Woodland Hills, CA 91364 (818) 594-4900 Fax: (818) 887-3048 email: gregdt@qbillc.com Website: www.qbillc.com Products/Services: TPAs Min. Case Size: 1 Serving: Nationwide –––––––––– Redwood Health Services Contact: John W. Nacol 3510 Unocal Place, Ste. 108 Santa Rosa, CA 95403 (707) 525-4370 (800) 548-7677 ext.121 Fax: (707) 525-4270 email: jnacol@rhs.org Website: www.rhs.org Plan type: PPO, FSA, POP, HRA Products/Services: Health Plans, COBRA, Third Party Administration Min. Case Size: 2-1000 Serving: Nationwide –––––––––– Simplifi Contact: Tod Lawrence 250 Civic Center Drive, Ste. 350 Columbus, OH 43215 (614) 635-8788 (800) 428-8194 email: tod_lawrence@simplifieso.com Website: www.simplifieso.com Products/Services: Customized out-sourced HR, TPAs Min. Case Size: 250 Serving: Nationwide –––––––––– Superior Administrators Inc. Contact: Marcia Delgado 3720 S. Susan St., Ste. 200 Santa Ana, CA 92704 (714) 429-1700 ext. 228 (888) 429-9090 ext. 228 Fax: (714) 429-1393 email: mmdelgado@superioradministrators.com Website: www.superioradministrators.com Products/Services: TPA Serving: Nationwide –––––––––– TLC Administrators Contact: Mary Tarell 3340 Walnut Ave., Ste. 290 Fremont, CA 94538 (510) 795-0103 (800) 533-0113 Fax: (510) 795-0858 email: mary@lipman.com Website: www.myrsc.com Products/Services: TPAs Serving: Nationwide –––––––––– TripleChoice Plan Dental Contact: Lawrence V. Kent 1964 Westwood Blvd., Ste. 120 Los Angeles, CA 90025 (310) 470-2343 ext. 0 (800) 489-7577 Fax: (310) 441-5660 email: info@triplechoiceplan.com email: la.quotes@triplechoiceplan.com Website: www.triplechoiceplan.com Products/Services: Dental Min. Case Size: 2 Plan Type: DHMO, PPO, Indemnity, Individual and Group Serving: Statewide –––––––––– Trust Administrators Inc. Contact: Royce A. Charney, J.D. 1300 Clay Street, Ste. 600 Oakland, CA 94612 (888) 951-5556 Fax: (888) 951-1116 email: rcharney@trustadmin.com Website: www.trustadmin.com Products/Services: TPA for Cafeteria Plans, Flexible Spending Accounts (FSAs), Health Savings Accounts (HSAs), Health Reimbursement Arrangements (HRAs), Direct Dental and Vision Reimbursement, COBRA, Commuter Benefits, Eligibility & Consolidated Billing Services Min. Case Size: 100 Serving: Nationwide –––––––––– United Administrative Services Contact: Pamela Barrett 6800 Santa Teresa Blvd., Ste. 100 San Jose, CA 95119 (408) 288-4419 Fax: (408) 288-4419 email: pbarrett@uastpa.com Website: www.uastpa.com Products/Services: TPAs Serving: CA –––––––––– Veritas Health Systems Administrators and Insurance Services Inc. Contact: Kevin Nichols 1415 Victor Ave. Redding, CA 96003-4035 (530) 223-7717 Ext. 2488 (877) 313-7700 Ext. 2488 Fax: (530) 223-7719 email: knichols@myveritashealth.com Website: www.myveritashealth.com Products/Services: CDH Plan design and TPA Services Min. Case Size: 2 Serving: Nationwide –––––––––– Zenith American Solutions Contact: Becky Placek 221 Main St., Ste. 250 San Francisco, CA 94105 (415) 536-8268 Fax: (415) 546-0600 (800) 388-0508 ext.448268 email: bplacek@zenith-american.com Website: www.zenith-american.com Products/Services; TPAs Min. Case Size: 500 Serving: Nationwide Worksite Marketing AFLAC, Torrance Contact: Cameron Bell 2390 Crenshaw Blvd., Ste. 307 Torrance, CA 90501 (626) 379-4265 Fax: (909) 266-9622 email: cameron_bell@us.aflac.com Website: www.aflac.com Website: www.aflacforbrokers.com Products: Group (Accident, CI, COBRA, STD, Dental, Hospital, Life), Group Worksite Products with Guarantee Issue, Specializing in Credit Unions Services: Implementation, Employee Communication, One-On-One Enrollments, Cafeteria Plan, Enrollments, Online Enrollments, Specializing in Credit Unions Min. Case Size: 100+ Ind., 100+ Group Serving: CA ––––––––– AFLAC, Los Angeles Contact: Adam Michaels 12121 Wilshire Blvd., Suite 1000 Los Angeles CA 90025 (310) 744-6101 Fax: (310) 744-6199 email: adam_michaels@us.aflac.com Website: www.aflac.com Minimum Group Size: 3 Products/Services: Group & Individual Lines (Accident, CI, Cancer, Hosp., Disability, Life, Dental, Vision) Guarantee Issue, Sec. 125, FSA, Parking & Transit, COBRA, Core Enrollment, Benefit Statements, Per Diem Available Serving: Nationwide ––––––––– AIG Benefits Solutions Employee Benefits Solutions Contact: Jorge Aldana 777 S. Figueroa St., 17th Flr. Los Angeles, CA 90017 (213) 689-3929 Fax: (866) 716-6722 email: jorge.aldana@aigbenefits.com Website: http://www.aigbenefits.com Products/Services: Dental, Vision, Life, Disability and Worksite Products, LTD, STD, Voluntary Benefits Serving: Southern California Area –––––––––– Aigilis Corporation Contact: Mark Gebhardt P.O. Box 953279 Lake Mary, FL 32795 (407) 324-3921 (866) 205-1936 Fax: (480) 287-8574 email: info@aigilis.com Website: www.aigilis.com Products: ACA medical GAP plans, Accident; Critical Illness; Dental (ind., group) Serving: Nationwide —————- Allstate Benefits Contact: Shaun Walti, Regional Dir., CA 450 Exchange, Ste. 250 Irvine, CA 92602 (714) 916-7193 email: shaun.walti@allstate.com Website: www.allstatevoluntary.com; www.allstatebenefits.com Products/Services: Worksite Marketing, Voluntary Benefits Min. Case Size: 3 Serving: Nationwide –––––––––– Assurity Life Worksite Division Contact: Jim Quinney–Caliwaii Ins. Mktg. 3031 Stanford Ranch Rd., Ste. 2, #230 Rocklin, CA 95765 (916) 781-9850 ext. 1001 Fax: (916) 259-1844 email: jim@caliwaii.com Website: www.assurity.com Products/Services: Worksite Marketing Min. Case Size: 5 Serving: Nationwide –––––––––– benefitsCONNECT® Contact: Jeff Franklin, Director of Business Development 3101 Zinfandel Drive., Ste. 200 Rancho Cordova, CA 95670 (916) 421-4000 Fax: (916) 307-5760 email: info@benefitsconnect.net email: sales@benefitsconnect.net email: jeff@benefitsconnect.net Website: www.benefitsconnect.net Products/Services: Online Benefits Enrollment and Administration Serving: Nationwide –––––––––– Chimienti & Associates Insurance Services Contact: Toney Chimienti 3400 Mineral King, Ste. B Visalia, CA 93291 (877) 733-1670 Fax: (559) 733-8058 email: info@chimienti.com Website: www.chimienti.com Products: Medical GAP plans, PremiumSaver, Guarantee Issue Voluntary Disability, Critical Illness, Accident, Dental, Vision, Term, UL, WL Life Insurance, COBRA-HSA-HRA-Sec. 125 Adminstration Services: Internet based Employee Benefits Enrollment with Billing & Eligibility Management Techonology, incudes Self Serve w/Chat Session and Call Center enrollment Serving: 40 states —————- Colonial Life & Accident Insurance Company Contact: Mike Keller Southwest Region Vice President of Sales 4965 Preston Park Boulevard, Suite 140 Plano, TX 75093 (972) 468-9672 Fax: (972) 964-0270 Email: mlkeller@coloniallife.com Products/Services: Disability, Life, Accident, Cancer, Critical Illness,Supplemental Health, Benefits Communication, Enrollment Technology, Administration Support, One-To-One Enrollments, Online Enrollments, Call Center Enrollments Minimum case size: 3 Serving: Nationwide –––––––––– Combined Worksite Solutions Contact: Nathaniel Johnson email: nathaniel.johnson@combined.com Website: www.combined.com (818) 388-6079 Products/Services: Disability income Protector, Universal Life Protector, Accident Protector Plus, Accident and Sickness Protector, Cancer Care Protector, Critical Care Protector, Catastrophic Accident Protector, Personal Accident, Term life Protector, Personal Accident Protector, Champion Accident, Champion Critical Illness, Lifetime Benefit Term –––––––––– Ebix Health Contact: Ed Buck 1300 E. Shaw, Ste. 109 Fresno, CA 93710 (877) 805-2828 ext. 204 Fax: (559) 256-1009 email: ed.buck@ebix.com Website: www.ebix.com Products/Services: Quoting Group/IFP, Websites, HR connect; HR Support Center, Payroll, COBRA, POP, FSA, EAP, HR Resources, Voluntary Benefits Serving: CA, CO, CT, DE, DC, FL, GA, MD, MO, NH, NJ, NY, OH, OK, PA, TX, VT, VA, WA –––––––––– Freedom Equity Group Contact: Ron Petroinovich 8885 Rio San Diego Dr. Suite 265 San Diego, CA 92108 (877) 329-6608 Fax: (619) 870-0212 email: ceopetro@fegcorp.com Website: www.freedomequitygroup.com Products/Services: Critical Illness, Worksite, Life (index & UL) Serving: Nationwide ––––––––– Pram Insurance Services Inc. Contact: David P. Wilson, CEO 711 East Imperial Highway, Ste. 100 Brea, CA 92821 (714) 671-3951 ext. 12 Cell (714) 904-7850 Fax: (714) 255-0977 email: dwilson@pram.com Website: www.pram.com Products: Limited Benefit and Indemnity Plans; MGU for Fully Insured Prescription Drug Card Plans for Traditional Employers, Associations; Voluntary Plans; Worksite; Services: National Registered Administrator “TPA” dedicated exclusively to providing Full Turnkey Pharmacy Administration; PBM Pharmacy Auditing for Employer Plans Serving: Nationwide —————- Peter Lyman Insurance Agency Southern California Contact: Peter T. Lyman, Founder and Cell: Cell: (805) 617-8700 (805) 845-2377 8 South Voluntario St., Ste. A Santa Barbara, CA 93103 Email: peter@lymaninsurance.com Website: www.lymaninsurance.com Products: Voluntary and Ancillary Products, Worker’s Comp, HR Resource Services, Property and Casualty —————- Transamerica Employee Benefits Contact: Shawn Smith Territory VP-Western Region 28556 Malabar Rd. Trebuco Canyon, CA 92679 Cell: (949) 278-6097 email: shawn.smith@AEGONUSA.com Website: www.transamericaworksite.com Home Office Contact: Debbie Cooley 1400 Centerview Dr. Little Rock, AR 72211 (501) 227-1271 Website: www.transamericaemployeebenefits.com Products/Services: Worksite Marketing Serving: Western US. –––––––––– TriFlex Corporation Contact: Don Cooper 11255 Tierrasanta Blvd., Ste. 78 San Diego, CA 92124 (858) 278-3539 (866) 874-3539 Fax: (858) 397-5991 email: info@triflexcorp.com Website: www.triflexcorp.com Products/Services: Worksite Marketing, Benefits Plan Design & Broker Education –––––––––– Voluntary Benefits Conference Contact: Megan Chiarello 4371 Northlake Blvd., Suite 331 Palm Beach Gardens, FL 33410 (561) 792-4418 Fax: (866) 536-7041 email: info@voluntarybenefitsmagazine.com Website: www.voluntarybenefitsconference.com Products: Voluntary Benefits, Gap Plans, Ancillary Benefits Serving: Nationwide –––––––––– Worksite Resources, LLC Northern California Contact: Ed Ryska, Managing Principal 6010 Roblar Rd Petaluma, CA 94952 (707) 664-0166 Fax: (707) 664-0411 Email: eryska@worksiteresources.com Website: www.worksiteresources.com Products: Voluntary and Ancillary Products, Workers’ Comp, Worksite Marketing, HR Resource Services ... 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BusinessBoxing

Insurance Insider News:
How HSAs Beat HRAs
by Leila Morris

People with HSAs are more likely to engage in cost-conscious behavior compared to those in HRAs, according to a report by the Employee Benefit Research Institute (EBRI). HSA participants are more likely to ask for a generic drug instead of a brand name, check the price of a service before getting care, ask a doctor to recommend less costly precriptions, develop a budget to manage health care expenses, and use an online cost-tracking tool provided by the health plan. Paul Fronstin of EBRI said, “HRAs and HSAs may be similar, but there are some key differences that may produce different incentives …Those with an HSA are more likely to respond to health pricing.” An employee owns the HSA, which is completely portable. With HRAs, an employer is not required to provide the unused balance to a worker when they leave the company. For more information, visit www.ebri.org. Most States Expected to Expand Medicare Several Republican governors originally rebelled against Obamacare by refusing to expand eligibility to their state’s Medicaid program. But more and more are caving in. An analysis by Decision Resources Group finds that most states will move toward Medicaid expansion in the next few years. Hospital systems in non-expansion states are losing millions of dollars on uncompensated care, not to mention the millions of federal dollars left on the table with waiver-based initiatives. Ric Gross, senior analyst at Decision Resources Group said, “One noteworthy byproduct of the state-by-state Medicaid expansion battle is the level of experimentation allowed by the Obama administration. Republican-heavy states, such as Arkansas and Iowa, received CMS permission to move Medicaid expansion beneficiaries into the private exchange. This level of adaptation has prompted other states, such as Indiana, to push for even more liberties in a bid to expand. While CMS won’t simply rubber stamp these requests, they certainly want as many states as possible to open up the program and bring more uninsured into the fold.” While states generally aren’t shrinking their use of managed care organizations, several are expanding managed Medicaid in varying capacities as they seek to restrain healthcare cost increases. More states are implementing accountable care organizations in their Medicaid programs to coordinate care for the sickest beneficiaries. However, after an early flurry of interest from 26 states in 2012, just 12 are moving ahead with demonstration projects to coordinate care for those who qualify for full Medicaid and Medicare benefits. For more information, visit www.decisionresourcesgroup.com. In related news, the White House issued a report on the economic consequences for states that don’t expand Medicaid.  For more information download http://www.whitehouse.gov/sites/default/files/docs/missed_opportunities_medicaid.pdf. Healthcare Cost Trend Slows in 2014 Healthcare costs rose 3.5% in the 12 months ending February 2014 compared to 4.9% for the same period in 2013. Healthcare cost trends are lower than a year or two ago, but remain 1% to 2% above inflation. In-patient fee-for-service rose 2.6% compared to 4.3% in 2013. Out-patient fee-for-service costs rose 4.9% compared to 6.3% in 2013. All but prescription drugs rose at a slower pace, according to the S&P Healthcare Claim Indices. Prescription drugs rose 3.5% compared to 1.5% in 2013. Higher growth in prescription drug costs reflects higher prices for generic and branded pharmaceuticals and shifting market shares between generic and branded. Expenditures for large and small groups and administrative services only (ASO) plans show stable growth. Individual plans are the most volatile. While the growth in costs moved down through 2013, the most recent data suggest a jump in expenditures. Since this  segment that the will be most affected by Obamacare, it is likely to be watched closely as the new healthcare law is implemented in coming years. For more information, visit www.spdji.com. How Small Business Can Get the Best Health Coverage at Most Affordable Price Frank Saltzburg, a partner with Healthcare Solutions Team, LLC (www.ushcre.com) outlines his strategies for businesses to lower their health care premiums while providing the most comprehensive health plans: •  Always use a professional, state-licensed broker or agent who is certified as a health care reform specialist. They are trained and educated to be aware of the best plans in the ever-changing current market, both in the private and public exchanges. It does not cost you any more to use a broker since major medical rates are already approved by your State Insurance Commissioner. •  Don’t use a public online quote engine as your final answer. It is only a starting point and is susceptible to data breaches leading to identity theft. •  Be aware of the limitations of public exchange call center navigators who don’t hold a state-issued health insurance license. In many cases, navigators are not state-licensed to represent major medical coverage and are not even government-certified as health care reform specialists in the Affordable Care Act. •  Use the bundle concept to give you better coverage at a more affordable price with less out-of-pocket financial exposure. Saltzburg says there has been an influx of online insurance quote engines through the public insurance exchanges. “The problem here is these public exchange quote engines will list  ‘bargain health plans’ that typically have the smallest network of doctors and hospitals. Many people are shocked to learn their plan’s network is limited to one county within their state and their doctors are not part of these networks. A recent Associated Press survey found that most cancer hospitals don’t accept Obamacare,” he stated. “One big, ongoing concern is that the average deductible is estimated at $5,000. However, what everyone should really be looking at is the out-of-pocket maximum per calendar year. This is the true financial exposure we all experience. We design our plans so that the deductible and the maximum out-of-pocket exposure are no longer a major issue…We bundle our plans to include accidental coverage to pay up to the deductible amount and cover out-of-pocket expenses. Plus, we offer critical illness coverage to also offset the deductible and any out-of-pocket expenses. The critical illness coverage offers the ability to have a lump sum payout allowing the insured to have an extra $5,000 to $200,000 of living expense money. While people are recuperating from their critical illness, they won’t worry about paying daily living bills. Bundling allows the insured to have a more comprehensive plan with true peace of mind,” he said. For more information, visit http://www.ushcre.com. Small Business Owners Are Not Faring Better Under the ACA Fifty one percent of business owners say their employees are not getting better healthcare or more affordable healthcare under the Affordable Care Act  (ACA). Fifty-five percent are unsatisfied with or unsure about their current healthcare solution. Only 19% say their employees received healthcare that is more affordable and better under the Affordable Care Act, while over 80% were unsure or said they did not get more affordable care. Barry Sloane of The Small Business Authority said, “In the near term, the promise of more affordable care from the Affordable Care Act has not yet materialized. Hopefully the government and the health insurance providers will take the necessary steps to decrease healthcare costs, increase choice, and improve services to independent business owners and their employees.” For more information, visit http://www.thesba.com. IN CALIFORNIA Five Arrested For Ripping Off Insurers California Department of Insurance detectives arrested Tyler Wilkinson, 37, Ian Frisch, 31, Ruben Banuelos, 63, Edward, 71, and Maxine Putnam, 68, on multiple felony charges of grand theft. The five suspects are accused of falsifying life insurance applications to collect more than $600,000 in commissions. Wilkinson targeted victims through the use of cappers (people paid to recruit policy applicants) and finders to locate potential policyholders. Wilkinson would then submit the fraudulent application to insurers through Frisch, a former life insurance agent. The pair then profited by allowing the life and whole life policies to lapse after a year while retaining the commissions paid by the insurer for the initial policy application. Several insurers paid commissions totaling more than $600,000. This scheme began with three complicit life insurance applicants. The Putnams and Banuelos knowingly made false statements on life insurance applications allegedly working in cahoots with Wilkinson and Frisch. The policies are then allowed to lapse after just one year while the people involved profited from commissions. In June 2014, Banuelos and the Putnam’s are each charged with one felony count of grand theft, one count of great taking allegations. This case was investigated by the California Department of Insurance, with assistance from California Department of Business Oversight, the Orange County District Attorney, and the Federal Bureau of Investigations. The criminal investigation is ongoing. The investigation and prosecution of this case is under CDI’s Life and Annuity Consumer Protection Program (LACPP). LACPP provides grant funds to counties for the prosecution of financial abuse in life insurance and annuity product transactions. Wilkinson and Frisch were booked in the San Diego County Jail with bail set at $600,000. Wilkinson and Frisch are being charged with four counts 487(a) PC Felony Grand Theft, along with the Aggravated White Collar Crime Enhancement 186.11 PC, and the Great Taking Allegation under 12022.6 PC. Banuelos and Mr. and Mrs. Putnam are booked at the Orange County Central jail -with bail set for Banuelos at $180,000 and $200,000 and $170,000 for Mr. and Mrs. Putnam, respectively. Banuelos and Mr. and Mrs. Putnam are charged June 23, 2014, by the Orange County District Attorney’s office. The three are charged with one felony count each of 487(a) PC Felony Grand Theft, and one count each of the Great Taking Allegation under 12022.6 PC. In January 2014, Department of Insurance detectives arrested Morgan Laws, 84, of San Clemente for investment fraud and grand theft related to this case. Laws pled guilty to Grand Theft and unlicensed sales. LIFE SETTLEMENTS The Life Settlement Market Is Turning Around Life settlement transactions stopped their precipitous decline last year. The face value of life insurance policies sold reached $2.57 billion, an increase from $2.13 billion the year before, according to a report by The Deal. Donna Horowitz, senior editor for The Deal, said “This is the first time in several years in which the number of life settlement transactions has gone up. This can only mean the market is starting to bounce back after years of being in the doldrums following the recession. One of the main challenges…is consumer awareness. Most people still don’t know that they have the right to sell their policies. Unlike the reverse mortgage market, the life settlement market remains largely unknown to the public.” The following are highlights from the report: •  The number of policy sales, at 1,356, represented 10 more deals than in 2011 when the total face value purchased was $5.07 billion and 160 more transactions than in 2012. In all, $406.2 million was paid to purchase policies last year compared to $319.4 million paid the year before. •  The total face value of policies sold reached $2.57 billion, an increase from $2.13 billion the year before. •  Coventry First led the market in the total number of transactions, buying 637 policies in 2013 compared to 597 policies the year before. Coventry paid $71.8 million and purchased $340.1 million in policies. •  Magna Life Settlements overtook long-time market leader Coventry First LLC in the amount paid and the face value of policies purchased in 2013. Magna paid $153 million, more than double the amount paid by Coventry. Policies purchased by Magna totaled $930 million in face value — almost triple the value of Coventry’s policies. •  The Settlement Group came in third place with 71 transactions last year, compared to 53 in 2012 and a fourth-place ranking. Settlement Group paid $12.5 million for 71 policies with $107.2 million in face value last year. Although it did fewer deals in 2012, the Settlement Group paid almost twice as much for them at $24.7 million. The face amount, at $149.7 million in 2012, also was higher than last year. •  Life Equity LLC had a better year last year, jumping to fourth place with 65 transactions from fifth place with 50 transactions in 2012. The Hudson, Ohio-based provider paid $10.2 million for policies with $121.9 million in face value last year compared to spending $12 million for $137.7 million in death benefits in 2012, reflecting a trend toward smaller policies. •  Abacus Settlements LLC ranked fifth with 56 settlements, $13.5 million paid and a face value of $119.4 million. To get the full report online visit www.thestreet.com LISA Offers Membership to Producers and Advisors The Life Insurance Settlement Association (LISA) is welcoming producers and advisors. Under a new membership category, producers will have access to educational tools and resources in professional networking, legal compliance, legislation and regulation, industry news, and more. Darwin Bayston, LISA president and CEO said, “Millions of Baby Boomers hold hundreds of billions of dollars of life insurance that could become life settlements. After years of premium payments, many seniors often experience unexpected changes that alter their priorities regarding life insurance. When these changes occur, advisors should understand the options available for clients’ life insurance policies that are no longer needed, wanted or affordable, including a life settlement.” He added that the life settlement industry is attracting growing interest from the financial advising sector, policy makers, and the press. The association is hosting an exclusive advisor track at its 20th Fall Conference at the Omni Scottsdale Resort & Spa at Montelucia on October 7th, 2014. Attendees will be eligible for up to six CFP Continuing Education credits. For more information, visit http://www.lisa.org. LIFE INSURANCE IUL And Chronic Illness Riders Remain Priority For Life Insurers Total indexed universal life (IUL) sales increased from 14% in 2010 to 31% during the first nine months of 2013, according to a survey by Milliman. In recent years more companies have entered the IUL market. Survey participants expect companies to focus more on cash accumulation IUL and current assumption IUL products and less on universal life with secondary guarantees (ULSG). Five of the 26 survey participants discontinued sales of ULSG products. The popularity of chronic illness riders has also increased over the past few years. Fourteen participants offer a chronic illness accelerated benefit rider on a UL or IUL chassis. During the first nine months of 2013 sales of chronic illness riders were 11% for UL products and 33% for IUL products. The majority of participants that reported UL/IUL sales with a chronic illness rider provide a discounted death benefit as an accelerated benefit. Similarly, during the first nine months of 2013, sales of long term care (LTC) riders as a percentage of total sales were 17% for UL products and 9% for IUL products. Nearly 85% of survey respondents expect to market an LTC or chronic illness rider within 12 to 24 months. The 484 page, “Universal Life and Indexed Universal Life Issues — Detailed Report” is available for purchase at http://www.milliman.com/insight/2014/Universal-life-and-indexed-universal-life-issues–2013-survey/ or by calling Gina Ritchie at -312-499-5605. EMPLOYEE BENEFITS Employees Don’t Have to Be Web-Savvy to Self Enroll Even employees who are only occasional Internet users can enroll themselves in their employers’ benefits, according to a survey of Spotlite Choice users. Thirty-six percent of describe themselves as only occasional or rare Internet users while 64% rate themselves as very web savvy, according to responses from 185 employees who reported their experience using the benefit enrollment system’s optional feedback survey. The feedback function was implemented in May. For more information, visit www.spotlite.com. NEW PRODUCTS Long Term Care Website Genworth Financial launched a consumer website (www.longtermcareinsurance.org) focusing on the reality of long-term care and the importance of planning for the future. It presents a holistic view of the long-term care issue and allows consumers to compare the cost of care, determine care needs and develop a long-term care strategy. Healthcare Alerts Change Healthcare is offering targeted messaging to support workplace initiatives centered on wellness, chronic care management, medication adherence, and point-of-care optimization. For more information, visit www.changehealthcare.com. Defined Contribution Plan Management MassMutual is teaming up with BlackRock to introduce a customized, lower-cost alternative to managed accounts for defined contribution retirement plans. Financial advisors can offer professionally managed asset allocation strategies to help achieve the diversification and customization. For more information, call 800-874-2502, option 4. Cancer Coverage MetLife is adding cancer insurance to its portfolio of supplemental health insurance products. Lump-sum benefits are paid directly to the covered employee to spend as they choose, regardless of what is covered by other insurance. The plan is available to employees and eligible family members and features guaranteed issue coverage, a 3/6 pre-existing condition limitation, a recurrence benefit, no waiting periods or age limitations on coverage for employee or spouse/domestic partner, and continuation of coverage. The Cancer Insurance plan is based on the MetLife Critical Illness Insurance (CII) policy www.metlife.com/lifevalueadds. As of June 2014, the company will be participating on 11 private exchanges and third-party platforms and offering a variety of group insurance products, including dental, vision, life, disability, critical illness, accident, group legal services and group property and casualty. For more information, visit www.metlife.com. HSA Comparison Shopping The website, www.hsasearch.com, allows buyers to do comparison shopping among more than a hundred institutions offering HSAs. WEBINARS Premium Financing Webinar Succession Capital Alliance is holding its next advanced premium financing Webinar on Wednesday, July 16th, at 11:00 am PST. For more information, visit www.successioncapital.com. Webinar on Private Exchange Technology Benefitfocus will host a live Webinar titled, “Private Exchanges: Build Your Technology Foundation on July 17, 2014, at 10:00 p.m. PST. The Webinar will focus on how insurance carriers can leverage the power of private exchange technology to support an employer’s whole workforce by incorporating mandatory and voluntary benefits. For more information, visit http://www.benefitfocus.com/events/private-exchange-technology-webinar. ... Continue Reading →
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Health Brokers Mull Their Future

HEALTHCARE • Health Brokers Mull Their Future • Why ACA Open Enrollment Dates Should be Changed • Consumers Say That Medicaid Gap is Confusing and Unfair • Tracking Health Enrollment Shifts for 2014 • Obamacare Frustrations May Not Be a Slam Dunk for Republicans EMPLOYEE BENEFITS • TPAs Expand Offerings MOVERS & SHAKERS • Aflac Names Assistant Director of Aflac U.S. Sales LIFE INSURANCE • CNO Sells Conseco Life FINANCIAL PLANNING • How Is a Good Time to Invest in 401(k)s and IRAs NEW PRODUCTS • Interactive Field Underwriting Guide • Life Insurance Needs Calculator • Health Exchange Resource • CoPatient Receives Funding to Fight Rising Healthcare Bills for Consumers • White paper on Private Exchanges • Rider for Accident, Disability, Hospital Plans HEALTHCARE Health Brokers Mull Their Future Health insurance brokers are redefining their role in the industry or exiting it entirely. In fact, 49% have been considering leaving the industry and 67% have seen many of their peers exit the industry in the past year, according to an Aflac study. Ironically, employers have steadily increased their use of brokers over the past three years. In fact, the use of brokers has grown from 56% in 2011 to 61% in 2013 and 64% in 2014. Some of that increase could be related to employers’ lack of preparedness for health care reform. The key to adapting to the Affordable Care Act (ACA) seems to be in offering more voluntary benefits. Brokers who offer voluntary insurance benefits are 35% more likely to have increased their client base over the past 12 months. They are 12% more likely to be maintaining and/or growing sales. In contrast, brokers who don’t offer voluntary benefits are more than twice as likely to have declining sales. Sixty-three percent of workers see a growing need for voluntary insurance benefits. Thirty-six percent of brokers agree that health care legislation represents an opportunity for them and their business; and 50% have confidence in their firm and the industry’s future. “It’s encouraging that many brokers have a positive mindset about their business and clearly see the opportunity in the marketplace. Many are adapting to the changing health care environment by expanding their focus to be more consultative and to offer a wider range of products and services. Our data shows that this has been a successful strategy as many businesses are now relying more heavily on their partners for guidance,” said Tye Elliott, vice president of Core Broker Sales at Aflac. Seventy-eight percent of brokers have expanded their consulting services or created a consulting practice in the past year. Fifty-three percent are now functioning as a navigator for insurance products handled through an exchange while 38% of brokers are functioning as a producer for insurance products handled through an exchange. The Aflac study also found the following about brokers: • 79% brokers say their clients aren’t prepared for health care reform. • 27% say the top issue for their firm is their clients’ uncertainty about health care reform. • In the next 12 months, 38% brokers expect to sell more voluntary insurance benefits, and 53% plan to use voluntary sales to increase their firm’s revenue. The study also found that 56% of employers increased employees’ co-payments and/or share of premiums in 2013. To address this issue, brokers are encouraging clients to consider offering voluntary benefits. For more information, visit www.Aflac.com/brokerawr. Two Demographic Groups Offer the Greatest Exchange Sales Opportunities Two demographic groups are promising targets for healthcare companies in the next exchange enrollment period. The first are independent Millennials — a subset of Millennials who are not covered under their parent’s plan and tend to be older, more educated, and more independent. The second is acculturated Hispanics — a group that is slightly younger, more educated, and wealthier than the nation’s population of Hispanics, as a whole, according to a survey by Prophet. Millennials are twice as likely as non-Millennials to plan on purchasing through an exchange. They are also less negative toward the public exchange option. Fifty-six percent of Millennial who purchased insurance through a public exchange report positive experiences; and 66% say they found it easy to compare insurance plans using the exchange . Seventy percent rely on social networking sites for information on the exchange option. Perceptions of high cost continue to be the largest barrier to purchasing insurance for this group. Also, they are confused about their eligibility for subsidies. Millennials are more than twice as likely to seek help when choosing a plan. While they mostly go to friends and family for advice, healthcare companies have an opportunity to be a valued source of education and guidance. Forty-six percent of Hispanics who have not enrolled in a public exchange plan to do so. Forty-six percent would give up access to a larger number of services in exchange for a smaller set of quality services. This group is enthusiastic about health insurance and places a high value on family coverage, but is confused about how the program works (24%) and who qualifies for government subsidies (35%). For guidance, this group seeks out websites related to the exchanges (44%), doctors and healthcare professionals (24%), and news coverage about the exchanges (20%). Health insurance brands have an opportunity to fill the information gap and become a trusted source of guidance for this population. Fifty-seven percent all survey respondents who are eligible for government subsidies are unaware that they are eligible. Sixty-three percent of those who have been uninsured for more than five years say they definitely or probably won’t purchase insurance on the exchange. Nearly half of those who plan to purchase healthcare through an exchange are concerned about costs, are confused about subsidies, and distrust health insurance companies. For more information, visit www.prophet.com Why ACA Open Enrollment Dates Should be Changed A study by Health Affairs, recommends shifting open enrollment to February 15 to April 15. On November 15, state and federal health exchanges will open their portals and phone lines for the 2015 open enrollment season, which runs through next February 15. The end of the year is traditionally open season for health insurance. According to the report, people make better decisions when they are not stressed by financial worries — as they often are during the end-of-year holiday season. For example, Google searches relating to financial concerns were highest in the summer and just before the Thanksgiving and Christmas holiday season. Health insurance information searches dropped substantially from Thanksgiving to Christmas, but then rose sharply the last week of December and in early January. According to the Congressional Budget Office, nearly 19 million uninsured low- and moderate-income Americans are expected to get health insurance through the exchanges. Many file their tax returns well before the April 15 deadline and are likely to receive sizable refunds. During the first months of the year, they feel more financially secure in anticipation of their tax refund. With the holiday season behind them, they can focus on choosing a health insurance plan. Also, between mid-February and mid-April, people are likely have more accurate calculations of their premium subsidy. Given what is known about how financial stress affects decision-making, holding open enrollment just before or during the holiday season is a mistake. The ACA’s goals of maximizing enrollment in the health plans and maintaining a healthy balance of enrollees with low and high risks of having high medical expenses are more likely to be achieved if the open enrollment season is shifted to the two months between February 15 and April 15 each year, according to the report. Consumers Say That Medicaid Gap is Confusing and Unfair A HealthPocket survey asked Americans, “Is it fair 23 states have a gap where people can make too much to qualify for Medicaid but too little for an Obamacare subsidy?” Forty-six percent said the gap was unfair. The average 30 year-old who earns around the poverty level would spend 14% of their income on insurance premiums even with the lowest cost health plan on an exchange. The gap could be eliminated by reducing minimum income limits for Obamacare premium subsidies or increasing the maximum income limit for Medicaid participation. For more information, visit HealthPocket.com. Tracking Health Enrollment Shifts for 2014 As a result of the Affordable Care Act (ACA), there will be significant changes to how people are concentrated by coverage type over the next five years. Many people are expected to switch from employment-based coverage to off-exchange individual plans while others will qualify and enroll in public exchanges, according to a report by Mark Farrah Associates. The report summarizes findings of an April 2014 Congressional Budget Office (CBO) report. Six million people are projected to have coverage through the public exchanges in 2014. The report also reveals the following: An estimated 7 million will get Medicaid and CHIP coverage by 2015. The ACA is expected reduce employment-based coverage by 2 million. The number enrolled in non-group coverage and other coverage outside the exchanges is projected to decline by 3 million in 2015. Aggregate enrollment in the individual, major medical segment grew by more than 2 million members. Managed Medicaid membership increased by about 5.5 million. Enrollment in group risk plans dropped 4.6 million from March 2013 to March 2014. In the past year, membership grew by more than 1 million for employer group ASO plans (administrative services only for self-funded business). For more information, visit www.markfarrah.com. Obamacare Frustrations May Not Be a Slam Dunk for Republicans Sixty-eight percent of Americans say that Obamacare will play a role in deciding how they vote in the U.S. House elections this fall, according to a Bankrate.com report. Of those 32% say they are more likely to vote Republican while 26% are more likely to vote Democrat. “Perhaps surprisingly, these results indicate that the messy launch of Obamacare won’t be as detrimental for Democrats or as much of a slam-dunk for Republicans in future elections as some analysts previously suggested,” said Bankrate.com insurance analyst Doug Whiteman. After the new Congress starts in January 2015, 30% want Congress to repeal Obamacare; 82% want to change the law in some fashion; and Only 12% want to keep the law exactly as it is. Twice as many Americans reported improved health insurance situations from August 2013 to June 2014. “The fact that more Americans say their health insurance situation has improved, and fewer want to repeal the law than when we last asked in April, signals a positive turning point for the Affordable Care Act. While most Americans don’t see Obamacare as a perfect solution, more are willing to accept it if a few changes are made,” said Whiteman. For more information, visit http://www.bankrate.com/finance/insurance/health-insurance-poll-0614.aspx EMPLOYEE BENEFITS TPAs Expand Offerings Carriers are increasingly looking to third-party enrollment providers, especially since most of the providers offer much more than enrollment technology, according to an Eastbridge study. The following are key findings: • Most providers offer enrollment support for a wide variety of insurance including ancillary and non-traditional products. • Employers and brokers still want human interaction and support along with web enrollment technology. • Avatars and artificial intelligence are gaining ground as tools for helping employees make benefit decisions. To purchase the report, call 860-676-9633 or email info@eastbridge.com. MOVERS & SHAKERS Aflac Names Assistant Director of Aflac U.S. Sales Michael Tomlinson was named senior vice president and assistant director of Aflac U.S. sales. He reports to Thomas R. Giddens, executive vice president and director of Aflac U.S. sales. Tomlinson joined Aflac in 1980 as a sales associate in Minnesota, where he earned Aflac’s first-ever Triple Crown Award. He progressed through the Aflac ranks of district and regional sales coordinator in Minnesota. He was promoted to vice president, territory director for the Central Territory in 2008. Tomlinson has developed numerous other executives who have gone on to lead other Aflac sales organizations. LIFE INSURANCE CNO Sells Conseco Life CNO Financial Group completed the sale of Conseco Life Insurance Company to Wilton Reassurance Company. “This transaction reduces the…risk profile of the company and will allow management to focus on our core businesses serving the…growing and underserved middle market,” said Ed Bonach, CEO. The transaction netted about $220 million. In addition, Bankers Life (a wholly owned CNO life insurance subsidiary) paid $28 million to recapture a block of traditional life insurance that was reinsured to Wilton Re. During the first quarter of 2014, CNO recorded a GAAP net loss of $298 million related to the sale of CLIC. For more information, visit www.CNOinc.com. FINANCIAL PLANNING Now Is a Good Time to Invest in 401(k)s and IRAs Eight in 10 investors say that it’s a good time to invest in 401(k) plans and IRAs, according to the second quarter 2014 survey by John Hancock. More than half say that it’s a good time to invest in 529 college savings plans; and 37% say that it is a good time to invest in target risk/lifestyle funds and target date funds. Investors retain stable views toward balanced mutual funds (57%) and stock mutual funds (55%). Fewer are enthusiastic about real estate investments with 57% thinking now is a good time to invest in real estate compared to 62% in the second quarter of 2013. The Great Recession continues to recede in the consciousness of investors, with half saying that they are in a better financial position than they were two years ago, and half expecting their situation to improve in the years ahead. These levels have remained unchanged for the past two quarters. That said, investors remain concerned about political gridlock in Washington (56%) and the high level of  national debt (46%). NEW PRODUCTS Interactive Field Underwriting Guide John Hancock introduced an interactive field-underwriting guide. Producers get comprehensive underwriting information on their tablet, laptop, or desktop. Search tools and intuitive navigation streamline the field underwriting process. For more information, visit jhsalesnet.com. Life Insurance Needs Calculator LifeAnt launched a tool that calculates the money needed for life insurance coverage based on age, salary, and location. It adjusts for inflation and additional costs associated with death. For more information, visit http://www.lifeant.com/life-insurance-needs-calculator. Health Exchange Resource BenefitMall redesigned its informational site, HealthcareExchange.com. The site is focused on educating and supporting brokers, carrier partners, and business owners on the Affordable Care Act (ACA) and the insurance market. In addition to archived content, the redesigned site includes a comprehensive health care reform timeline with interactive resources and information detailing what health care reform will mean for the insurance industry and small businesses. CoPatient Receives Funding to Fight Rising Healthcare Bills for Consumers CoPatient, Inc. completed a $3.6 million round of Series A financing. The company offers a free medical bill review to help consumers reduce out-of-pocket expenses. Medical billing experts comb through bills looking for errors. CoPatient saves consumers an average of 40% when billing errors are identified. Employers and organizations such as AARP are partnering with CoPatient to help their members manage medical spending. “We are reducing friction and waste in the system for consumers, employers, and healthcare providers. Rather than sending consumers to collections, hospitals and doctors can resolve outstanding issues quickly and appropriately when consumers work with CoPatient,” said Katie Vahle, co-founder of CoPatient. For www.copatient.com. White Paper on Private Exchanges The Healthcare Trends Institute released a white paper providing insights on private health exchange trends. For more information, visit http://www.evolution1.com/private-exchanges-whitepaper.html. Rider for Accident, Disability, Hospital Plans Aflac launched the Aflac Plus Rider to alleviate increasing deductibles, co-payments, and out-of-pocket maximums on major medical insurance. It is designed to enhance a person’s coverage on a new or an existing voluntary accident, hospital, or disability plan. Policyholders can reduce out-of-pocket expenses associated with serious accidents and illnesses such as heart attacks, strokes, diabetes, traumatic brain injury, sustained multiple sclerosis, advanced Alzheimer’s disease, advanced Parkinson’s disease and many more. For more information, visit Aflac.com/business ... Continue Reading →