Insurance Specialties

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Services For Agents & Agencies

Click on a service below for details.

Disability

Disability BenefitsBecoming disabled through an injury or sickness can mean a significant loss of income.

It is not unusual for a long-term disability to bring ruin to even the best of families.  We represent a number of excellent, high quality companies that will cover police or firefiighter, roofers or contractors, physicians or educators, lawyers or civil servants.  We can even provide coverage for the professional athlete or the freelance artist.  As long as there is an income and occupation to protect, we can obtain the coverage.

We will help with plan design and carrier selection once we have all of the pertinent information.  If you know what you and your client are looking to accomplish, that makes everyone's job easier.  If not, we can put the case together for you and discuss the merits of each carrier selected.  After all, unlike life insurance where you only die once, with disability, your clients are purchasing the words of the contract.

Do you have clients that suffer from a health condition?  Have any of your clients been rejected for disability insurance?  We can help!  We represent companies that specialize in what are considered sub-standard risks.  Among these are mental and nervous disorders (as long as there has not been a disability, hospitalization, or claim in recent history), some cancers, and other uninsurable health conditions.  If your client has recently been declined, please contact us and we will be happy to discuss the case.

All medical and personal information that is shared or provided to us is kept in the strictest of confidence.  Even when we do a verbal preliminary check with an insurer, pertinent information (like name, social security number, address, etc.) are left out of the conversation.  Only when we do a written preliminary or formal application does the insurer receive all of the information.

The important coverage areas that we offer our brokers include:

  • Individual Disability Income
  • Business Disability Income
  • Business Overhead Expense
  • Key Person Disability
  • Disability Buy Out
We look forward to helping your clients with this vital protection. We look forward to being of service!

Individual and Family

Individual and Family CoverageTo request a health insurance quote for you or your family, please fill out our online form.  Or, you may try this link to one of our carriers and see possible plans and rates:



Aetna Health Insurance




Dental Insurance

blue-dentalCapital BlueCross partners with Dominion Dental Services to offer services in Central PA and the Lehigh Valley.  This partnership offers individuals and families living in these areas three dental program options – choose the one that’s right for you and your family.    The Blue Individual Dental Program is designed specifically for individuals who:
  • Are self-employed,
  • Do not have a dental benefit offered by their employer, or
  • Are looking for additional dental benefits.

Click here to enroll in the Blue Individual Dental Program.

Extended Care Planning

Extended Care Planning
There is a good chance that some of your clients may need to pay for home health care, assisted living, or a nursing home, some day.  At one point in their lives, more than half of the U.S. population will require some form of long-term care.

Most seniors are concerned about financial security during retirement.  Therefore, you owe it to your client, their spouse, significant other and/or those whom they love, to protect them from what could be the greatest threat to their financial security -- the cost of long-term care.

We know that no one wants to go into a "home".  That is why we provide policies that insure the cost of the nursing home only, home care only or, the most frequently purchased plans that protect at home and/or in a facility.

You may contact us for more information and quotes from some of the oldest, strongest, and most quoted companies in the businesses.

Do not overlook your wealthy clients ... those whose estates are valued at over $7,000,000 for a family or about half of that for an individual.  We can help you with the planning and product placement for your large case clients.  Contact David about these cases and for an in-depth conversation about planning for the wealthy client.

Legal Shield & Identity Theft

Identity theft affects millions of Americans each year. Our legal shield protection plan offers two high quality identity theft plans to help protect and restore your identity. Legal sheild identity theft plan provides standard identity monitoring and our premium plan has more comprehensive monitoring. So in the unfortunate event something does happen to your identity, you’ll have professional help in getting your identity restored to what it was before the fraud occurred. To ensure you have the best coverage possible, these plans include you, your spouse and up to 8 dependent children under the age of 18.

International Medical

Patriot Travel Medical Insurance®

Individual & family (5 days up to 2 years coverage)

Patriot Travel Medical Insurance Patriot Travel plans address the insurance needs of U.S. citizens and foreign nationals who need temporary medical insurance while traveling for business or pleasure anywhere outside of their home country.

There are two Patriot Travel plans that provide up to $2,000,000 of medical coverage. Patriot International® provides coverage for U.S. citizens traveling outside the U.S. and Patriot America® provides coverage for non-U.S. citizens traveling outside their home country.

In addition to medical benefits, the plans include coverage for medical evacuation, repatriation, and choice of deductibles and plan maximums. Coverage can be obtained from a minimum of five days up to two years.

Buy Travel Medical Insurance | Review Patriot Travel Medical Insurance Coverage


Global Medical Insurance®

Individual & family (1 year or longer)

Global Medical Insurance Global Medical Insurance is a long-term, annually renewable, U.S.-style major medical insurance plan designed for U.S citizens living abroad or foreign nationals throughout the world. It provides two coverage areas:  Worldwide and Worldwide excluding the U.S. and Canada.

There are three plan options available: Silver - which provides $5,000,000 of scheduled coverage for the budget conscious consumer; Gold – which provides $5,000,000 of comprehensive coverage and helps reduce out-of-pocket expenses; and Platinum - for the global consumer who desires the superior benefits package of $8,000,000 of coverage and includes medical, dental, vision and exclusive access to our Global Concierge and Assistance ServicesSM.

Buy Global Insurance | Review Global Medical Insurance Coverage


Patriot Platinum Travel Medical InsuranceSM

Enhanced benefits and services plan

Patriot Platinum Patriot PlatinumSM provides first-class protection for the discerning international traveler who wants to obtain the maximum coverage available in a short-term travel medical product on the market today.

Patriot Platinum builds upon the Patriot Travel plan by providing up to $8,000,000 of coverage with enhanced benefits and services and our Global Concierge & Assistance ServicesSM.

There are two plans available: Patriot Platinum InternationalSM provides coverage for U.S. citizens traveling outside the U.S. and Patriot Platinum AmericaSM provides coverage for non-U.S. citizens traveling outside their home country. Coverage can be obtained from a minimum of five days up to three years.

Buy Platinum Insurance | Review Patriot Platinum Travel Medical Insurance Coverage


Patriot Green Travel Medical InsuranceSM

Environmentally conscious plan

Patriot Green Patriot Green Travel Medical InsuranceSM is designed for the environmentally conscious traveler and provides up to $2,000,000 of medical coverage and services.  This plan provides the same comprehensive benefits as the Patriot Travel plan, but also includes eco-friendly benefits including providing for the purchase of carbon offsets, pays an additional $5,000 AD&D benefit to an environmentally conscious organization, and it is paperless.

Patriot Green InternationalSM provides coverage for U.S. citizens traveling outside the U.S. and Patriot Green AmericaSM provides coverage for non-U.S. citizens traveling outside their home country. Coverage can be obtained from a minimum of five days up to two years.

Buy Green Insurance | Review Patriot Green Travel Medical Insurance Coverage


Patriot Executive® Travel Medical Insurance

Business traveler (annual coverage)

Patriot Executive Patriot Executive is designed for the executive that takes multiple trips throughout the year outside his or her home country. The plan provides coverage up to 30 days in length for each trip. It offers the ease and convenience of purchasing a single annual plan at an affordable premium.

Patriot Executive International provides coverage for U.S. executives traveling outside the U.S. and Patriot Executive America provides coverage for non-U.S. executives traveling outside their home country.

Buy Executive Insurance | Review Patriot Executive Travel Medical Insurance Coverage

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GEOSM Group

Employer sponsored group insurance

GEO Group GEO Group is one of the most comprehensive group hospital, surgical, medical and life insurance programs in the world. This program is designed for employers with employees who are either U.S. or Canadian citizens who reside abroad, or foreign nationals around the world. GEO Group assists employers to carve out their international employees to provide U.S.-style benefits and worldwide coverage. This program includes medical, dental, life and indemnity benefits for employees and their families.

Request a Proposal for Global Employers Insurance


Patriot Group Travel Medical Insurance®

5 or more individuals (5 days up to 2 years)

Patriot Group Exchange Program Patriot Group Travel Medical Insurance provides coverage for groups of five or more U.S. citizens and/or foreign nationals who need temporary medical insurance while traveling for business or pleasure anywhere outside their home country. It offers a 10% discount from Patriot Travel Medical Insurance and has one easy-to-use enrollment form.

There are two Patriot Group Travel plans plans that provide up to $2,000,000 of medical coverage with a choice of deductibles and policy maximums. Patriot International Group provides coverage for U.S. citizens traveling outside the U.S. and Patriot America Group provides coverage for non-U.S. citizens traveling outside their home country. In addition to medical benefits, the plans include coverage for medical evacuation and repatriation.

Coverage can be obtained from a minimum of five days up to a maximum of two years.

Buy Group Travel Insurance | Review Patriot Group Travel Medical Insurance Coverage/Brochure

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Patriot Exchange ProgramSM

Cultural Exchange Student insurance plans

Patriot Exchange Program Patriot Exchange is designed for students studying abroad or participants of cultural exchange programs. Two plan options are available. The Basic Short-Term Travel Plan is an economical plan while the Standard Short-Term Travel Plan is designed to meet the U.S. J1 visa travel insurance requirements.

Its flexible plan design also provides three areas of coverage: U.S. citizens worldwide except in the U.S., Non-U.S. citizens worldwide except in their home country and Europe to Europe.

Plans are available in monthly increments and if a minimum of three months is purchased, coverage may be renewed (without break in coverage) for a total of four years.

Buy Student Exchange Program Insurance | Review Patriot Exchange Program Insurance Coverage/Brochure


Patriot Group Exchange ProgramSM

Group cultural exchange student insurance plans

Patriot Group Exchange Travel Insurance Patriot Group Exchange offers the same great benefits, options and renewability as the Patriot Exchange Program, and in addition to the Basic and Standard Short-Term plans, a Long-Term plan is available.

The plan is available to groups of five or more students or participants of cultural exchange programs, offers a 10% discount from Patriot Exchange Program and has one easy-to-use enrollment form.

Buy Student Group Insurance | Review Patriot Group Exchange Program Coverage/Brochure


Student Health AdvantageSM

Long-term, worldwide medical insurance for groups of 2 or more international students

Student Health Advantage Student Health Advantage is designed for individuals or a group of students or scholars participating in a sponsored study abroad program, and desire an annually renewable comprehensive medical plan. This plan meets student visa requirements, includes benefits for maternity after 10 months, mental health, organized sports and international emergency care. It also provides coverage for pre-existing conditions after 12 months of coverage.

Sponsored groups of 2 or more
Buy Group Student Health Advantage Insurance | Review Coverage | Download Student Health Advantage application

Individuals
Buy Individual Student Health Advantage Insurance | Review Coverage | Download Student Health Advantage application

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Patriot T.R.I.P.®

Travel Protection for trips up to 30 days

Patriot T.R.I.P. Patriot T.R.I.P. helps protect travelers who are unable to travel or are interrupted during their covered trip due to circumstances such as a sudden and unexpected illness or injury, death in the family, jury duty, job layoff, terrorism or the bankruptcy of the tour operator, cruise line or airline. Benefits also include coverage in the event of travel and baggage delay, lost baggage, emergency medical expenses, emergency medical evacuation and much more.

Buy Patriot Travel Insurance | Review Coverage/Brochure


Patriot T.R.I.P.® Elite

First Class Travel Protection

Patriot T.R.I.P. Elite To provide superior protection for a picture perfect vacation, there is Patriot T.R.I.P. Elite, a premier travel insurance program. Patriot T.R.I.P. Elite offers a high level of benefits to travelers who need more coverage than provided by the Patriot T.R.I.P. program. The program has increased benefit amounts for emergency medical, emergency medical evacuation, travel delay, baggage, trip interruption and has a benefit for violent attacks.

Buy Elite Travel Insurance | Review Coverage/Brochure


Patriot T.R.I.P.® Student

Student Travel Insurance Program

Patriot T.R.I.P. Student Patriot T.R.I.P. Student is a "budget conscious" travel insurance program designed to provide important benefits to students for many of those unforeseen circumstances that may force the cancellation or interruption of a covered trip. This program also includes coverage for trip cancellation or interruption travel and baggage delay, lost or stolen baggage, emergency medical expenses and emergency medical evacuation.

Buy Student Travel Insurance | Review Coverage/Brochure

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Sky RescueSM

Emergency Medical Evacuation

Sky Rescue Sky Rescue is designed for those travelers who need to fill the gaps in the international medical insurance. It provides coverage for such benefits as emergency medical evacuation, repatriation, reunion and emergency assistance services that are not covered under most domestic or national plans.

Coverage is available for individuals under the age of 65 traveling outside their home country. It can be purchased in three, six or 12 months increments and can be rewritten for succeeding or subsequent periods.

Buy Medical Evacuation Insurance | Review Coverage


Patriot Extreme® Travel Medical Insurance

Extreme athletics and adventure insurance

Patriot Extreme Patriot Extreme is designed for the adventurous international traveler who intends to participate in the thrill of extreme sports and realizes that their current medical plan does not cover certain hazardous sports and activities.

From skydiving to whitewater rafting, Patriot Extreme provides up to $50,000 of coverage and is available to those under the age of 50

Buy Extreme Insurance | Review Coverage


International Marine Medical InsuranceSM

Worldwide group coverage for professional marine crew

International Marine Medical Insurance International medical insurance for marine crew requires provisions not met by many companies. International Marine Medical Insurance (IMMI) was designed specifically to provide comprehensive medical insurance to marine crew by offering continuous coverage worldwide. IMMI provides $1,000,000 of coverage per certificate period with a full range of benefits. Group members will be covered worldwide, including their country of citizenship, 24 hours a day.

Request a Proposal | Review International Marine Medical Insurance Coverage/Brochure


Global Crew Medical Insurance®

Worldwide coverage for professional marine captains and crew members

Global Crew Medical Insurance Global Crew Medical Insurance(GCMI) is a comprehensive and portable international medical insurance plan designed specifically for professional marine crew. GCMI can help eliminate the obstacles of time, currency, and language when you are seeking medical treatment and need assistance and administration of your global health care benefits. The plan provides $5,000,000 of lifetime coverage with a full range of benefits and offers two options: worldwide coverage and worldwide coverage excluding the U.S. and Canada. Both options provide coverage 24 hours a day, and you have the freedom to choose any doctor or hospital for treatment.

Quote/Buy Insurance | Review Global Crew Medical Insurance Coverage/Brochure


The information above is only a consolidated description of the current international insurance products and trip cancellation plans available through this website. Please refer to the Certificate Wording for the specific terms and conditions of each plan concerning eligible benefits, limitations, eligibility and exclusions. Certificate Wording is available upon request. Patriot Travel Medical Insurance, Patriot Group Travel Medical Insurance, Patriot Extreme, Patriot Executive, Sky Rescue, Global Medical Insurance, Patriot Green, Patriot Platinum, GEO Group, Patriot Exchange Program, Patriot Group Exchange Program and Student Health Advantage are administered by International Medical Group, Inc. and underwritten by Sirius International Insurance Corporation. Patriot T.R.I.P. and Patriot T.R.I.P. Student and Patriot T.R.I.P. Elite are private-label names for trip cancellation insurance and other travel related benefits and services made available by membership in the National Small Business Travel & Health Association. The program manager is iTravelInsured®, a wholly owned subsidiary of IMG. Patriot T.R.I.P. and Patriot Student T.R.I.P plans are administered by iTravelInsured and underwritten and offered where available by Delos Insurance. Patriot T.R.I.P. Elite is administered by iTravelinsured and underwritten and offered where available by Delos Insurance Company or Sirius International Insurance Corporation. IMG, International Medical Group, the IMG block design logo, Patriot T.R.I.P, Patriot T.R.I.P Elite, Patriot T.R.I.P. Student, Patriot Travel Medical Insurance, Patriot Green, Patriot Platinum, Patriot Extreme, Global Medical Insurance, Patriot Executive, GEO Group, Patriot Exchange Program, Patriot Group Exchange Program, Sky Rescue, Patriot Group Travel Medical Insurance, International Marine Medical Insurance, Global Crew Medical Insurance and Student Health Advantage are the trademarks, service marks and/or registered marks of International Medical Group, Inc. © Copyright 2009 International Medical Group, Inc. All Rights Reserved.

Critical Illness

Critical Illness InsuranceCritical Illness Insurance

Critical illness insurance is medical insurance that pays a lump-sum benefit upon diagnosis of a critical illness or condition. Critical illness insurance payments help clients' avoid the financial strain a major illness can create so they can focus on their recovery. It gives them the freedom to:

  • Get the treatment they want
  • Spend time with family and friends
  • Keep their home and other assets

Determine Your Need

Traditional health insurance is valuable, but often limiting. Because medical treatment is more advanced than ever, it's also more expensive. People today often experience financial hardship because of the medical expenses their health and disability insurance don't cover. Critical illness insurance could be a strong supplement to other health insurance. Determine if your clients need critical illness by learning what it pays for that other plans don't.

Employee Benefits

Employee BenefitsGroup insurance or any Employee Benefit, is based on the law of large numbers.  This does not mean that you have to have hundreds or even thousands of employees before excellent protection is available.  We can provide the groups you represent with group health, life, short-term disability, long-term disability, dental, vision benefits, long term care and extended care plans. Many of the above can also be obtained on a voluntary benefit basis.

We can provide employers with two or thousands of employees with the same excellent coverage.  In addition, if your company(s) only need to find a claims administrator or a stop-loss carrier, we facilitate those services.

Although size does matter, we at Insurance Specialties, Inc. have guaranteed issue coverage for your group.  However, the size of the group will determine the amounts of coverage that are guaranteed to be issued.

Do not let the size of your clients deter you in finding the best coverage available.  We make this promise, if we do not represent the company that will provide the protection, we will refer you to one that will.  After all, that is what Integrity, Service, and Ingenuity represent.  Please review some of the Carriers we represent and contact us if we can help

Short Term Medical

Short Term MedicalIs your client between jobs?  Has there been a recent layoff?  Did he or she just graduate from college or high school and is no longer eligible for his or her parents' health plan?  Are they looking for a low-cost alternative to traditional health insurance? This is why you should consider short-term medical insurance for these clients.

We can provide protection from 30-days to 3-years.  If you are certain they will obtain insurance within 6 months, we have a single pay option.  If you think they might only need the coverage for 3 months, but want the option of carrying it for up to 6 months or longer, we have monthly pay options.


No matter which direction you select, there are only a handful of questions to answer and the coverage is theirs. Please keep one thing in mind; pre-existing conditions are never covered on short-term medical plans.  This is because there is no in-depth medical underwriting.  So, if you have a serious medical condition, or are worried about a particular problem being covered, make certain you contact us before making a decision.

Get A Quote

Long Term Care Planning Resources