Our three principal markets are:

Major medical / individual health insurance

Our distribution channels primarily target small business owners and self-employed individuals and families in this market. According to the U.S. Census Bureau, in 2003, there were over over 3.75 million firms with fewer than 10 employees (with a total of 12.5 million employees). [Source: U.S. Census Bureau, Statistics of U.S. Businesses.]

We focus on product development to meet consumer needs, utilizing multiple insurance carriers and enhancing opportunities and services for our independent agents and their agencies.

Senior health insurance, managed care, life insurance and annuity

The age 65 and over segment of the U.S. population is expected to grow from 35 million in 2000 to over 40 million by 2010, comprising 13% of the total population by 2010. [Source: U.S. Census Bureau, 2004.] While the federal Medicare program covers a portion of health care expenses for senior Americans, the gaps in coverage provide a significant market for supplemental plans.

Our products in this market include traditional Medicare supplementplans, Medicare Advantage plans that save consumers money by designating the use of certain medical providers, Part D prescription drug plans, senior life insurance and annuities.

Specialty medical and benefit plans for affinity groups, associations, employer groups and other groups

The market for specialty medical and benefit plans includes uninsured, underinsured and insured individuals and families. While many of these people either cannot afford or cannot qualify for traditional major medical plans, we have developed a variety of specialty insurance and benefit plans specifically targeted to meet the needs of this market.