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Health Insurance

When life strikes, we are by your side! Life is a journey of “expect the unexpected” and everybody should have strong protection especially for those unexpected situations. The AIS team works diligently to ensure that our clients are protected against all kinds of threats to their health.

We work our way through the seemingly constant changes in the healthcare industry, so our clients stay knowledgeable about the complex regulations and requirements.

When you offer employee benefits to your employees, you build allegiance. AIS shows you how easy it is to get affordable health insurance that fits your lifestyle and your business.

Instead of working with a sales representative, you get a team of licensed and qualified advisors to handhold you at every step. They will help you to navigate through the complexities of choosing the right coverage and paperless enrolment process on our online portal which includes employee onboarding, benefit administration with an option of payroll integration.

Under our Health Insurance umbrella we offer following Products

Group Health Insurance

Insurance health plans provide coverage to a group of members, usually comprised of company employees or members of an organization. Group health members usually receive insurance at a reduced cost because the insurer’s risk is spread across a group of policyholders. Organizations can choose from following plans:

Health Maintenance Organization (HMO) Plans

HMO means “Health Maintenance Organization.” HMO plans offer a wide range of healthcare services through a network of providers who agree to supply services to members. With an HMO you’ll likely have coverage for a broader range of preventive healthcare services than you would through another type of plan. As a member of an HMO, you’ll be required to choose a primary care physician (PCP). Your PCP will take care of most of your healthcare needs. Before you can see a specialist, you’ll need to obtain a referral from your PCP.

Though there are many variations, HMO plans typically enable members to have lower out-of-pocket healthcare expenses.

Preferred Provider Organization (PPO) Plans

A Preferred Provider Organization or PPO is also a network of healthcare providers who provide its members with multiple choices regarding healthcare and healthcare providers(doctors, specialists, hospitals etc). PPOs do not restrict patients to receiving care in-network. It’s optional to designate a PCP

Point of Service (POS) Plans

A point-of-service plan (POS) is a type of managed care plan that is a hybrid of HMO and PPO plans. Like an HMO, participants designate an in-network physician to be their primary care provider. But like a PPO, patients may go outside of the provider network for health care services. When patients venture out of the network, they’ll have to pay most of the cost or higher out of pocket expenses, unless the primary care provider has made a referral to the out-of-network provider. Then the medical plan will pick up the tab.

Health Savings Account (HSA) Plans

A Health Savings Account (HSA) is a tax-advantaged account to help people save for medical expenses that high-deductible health plans don’t cover. An HSA, owned by an employee, can be funded by the employee and the employer. The contributions are invested over time and can be used to pay for qualified medical expenses.Account balances are rolled over from year to year.

Dental Insurance

Keep smiling with quality dental insurance coverage

Everyone wants a healthy and attractive smile. Daily brushing and flossing, a healthy diet and regular dental checkups are the best ways to maintain your teeth and prevent minor dental problems from becoming major health issues. Serious conditions, such as heart disease and diabetes, can often be identified in their early stages through regularly scheduled oral screenings. AIS Dental Insurance will keep your employees smiling with affordable, comprehensive dental insurance from some of the best dental insurance providers on the market.

We offer these group dental plans to your employees:

  • Dental Maintenance Organization (DMO)
  • Preferred Provider Organization (PPO)
  • Participating Dental Network (PDN)
  • Dental Indemnity Plans

Vision Insurance

For us, sight is the most important out of our five senses. To say that visual impairments can have a negative impact on a person’s ability to perform their jobs is an understatement.

Vision insurance – a clear choice
Unfortunately, blindness and other types of vision impairment are a common disability in the United States. Many factors, especially age, can have an impact on a person’s vision. Regular visits to an optometrist are crucial to maintaining healthy vision. To help reduce employer and employee costs for vision care, AIS provides access to low cost, comprehensive vision insurance plans. Vision insurance plans make a great supplement to any employer healthcare benefits package as the premiums are very affordable.

AIS’ vision insurance plans offer many benefits including:

  • A comprehensive eye health exam every year with low copayment
  • Savings on new eyewear – get the latest styles!
  • Choose your own optometrist or select one from our network
  • Savings on replacement glasses and frames
  • Special deals for contact lenses
  • Discounts for Lasik eye surgery
  • Excellent administrative support
  • A wide variety of coverage plans to select from

Life Insurance

Employers and employees have the same concerns: “What will happen to his or her family if something unexpected happens to him?” Will they be able to maintain their current standard of living? Will their children be able to attend college? And what about retirement plans? A life insurance plan from AIS will give your employees the peace of mind knowing that the special people in their lives won’t have to deal with any financial burdens in the event of death.

Life insurance plans give employees the means to provide their beneficiaries with financial security after they’ve passed.

AIS provides employers with the following types of life insurance for their employees

  • Term life insurance
    Term Life Insurance is the most basic form of employer paid life insurance. It’s inexpensive and easy to get – no medical exams or questionnaires are required. Term life insurance pays a death benefit only.
  • Whole life insurance
    Whole life insurance policies have the potential to earn dividends, adding to the value of the policy while the insured is still living and increasing the death benefit for their beneficiaries. Whole life insurance is more expensive than term life insurance, because it covers the policy holders for the rest of their life.
  • Universal life insurance
    Universal life insurance plans offer you and your employees the flexibility to adjust premiums and death benefits.
    A Universal life insurance plan includes features like guaranteed protection and cash value accumulation.
  • Variable universal life (VUL) insurance
    A variable universal life insurance plan gives its holders the flexibility to adjust their policy according to their needs. With a VUL policy you and your employees can invest the funds into stocks and bonds, growing the value of the plan while you are alive and providing increased death benefit to beneficiaries.
    A quality life insurance policy will enable you to continue to care for your loved ones even after you’re gone. AIS wants to make sure you get the most beneficial life insurance plans for yourself and your employees. Contact us to schedule a consultation with one of our representatives. As an independent insurance agency, we can offer you the widest selection of plans at competitive prices. We make it easy for you and your employees to guarantee the financial security of your beneficiaries after you’re gone.

401 (K) Plan

A 401(k) plan is a tax advantaged, defined-contribution retirement account offered by many employers to their employees. It is named after a section of the U.S. Internal Revenue Code. Workers can make contributions to their 401(k) accounts through automatic payroll withholding, and their employers can match some or all of those contributions. The investment earnings in a traditional 401(k) plan are not taxed until the employee withdraws that money, typically after retirement. In a Roth 401(k) plan, withdrawals can be tax-free.

  • A 401(k) plan is a company-sponsored retirement account that employees can contribute to. Employers may also make matching contributions.
  • There are two basic types of 401(k)s—traditional and Roth—which differ primarily in how they’re taxed.
  • In a traditional 401(k), employee contributions reduce their income taxes for the year they are made, but their withdrawals are taxed. With a Roth, employees make contributions with post-tax income, but can make withdrawals tax-free.

Short & Long Term Disability Insurance

Short Term Disability Insurance

Why talk about short-term disability insurance at all? You’re more likely to experience a disability than you might think – according to the Council for Disability Awareness, 1 in 4 workers will experience a period of disability before they retire. On top of that, 46% of Americans wouldn’t be able to cover a $400 emergency expense without resorting to credit card debt or a family loan. If you were unable to work due to a short medical emergency, how would you pay for it?
Short-term disability insurance is an insurance product that replaces your income for a short period of time in the event that you experience a disability. The benefit period usually lasts 3 to 6 months. Let’s break that definition down a little:
A disability is any medical condition that stops you from working. It’s a common misconception that disabilities only occur because of workplace accidents; in fact, most disabilities are caused by chronic conditions like back injuries, cancer, and heart disease. Depending on your employer, pregnancy may also be categorized as a disability, and you may need to use a disability insurance policy to provide income while you’re on leave from work.
STDI may not cover you for the entire duration of your disability. Depending on your policy, STDI generally replaces your income between three months and six months. STDI plans typically cover up to 80% of your gross income.

Long-term disability Insurance

Long-term disability insurance (LTD) is an insurance policy that protects an employee from loss of income in the event that he or she is unable to work due to illness, injury, or accident for a long period of time.
Some estimates state that the average employee with a long-term disability or illness misses 2.5 years of work. This can devastate a family financially without the safety net provided by a long-term disability insurance policy.
LTD does not provide insurance for work-related accidents or injuries that are covered by worker’s compensation insurance. But, they do cover an employee in the event of a personal accident such as a car accident or a fall.
However, long-term disability insurance ensures that an employee will still receive a percentage of their income if they cannot work due to sickness or a disabling injury. Long-term disability insurance is an important protection for employees when the U.S. Census Bureau estimates that an employee has a one in five chance of becoming disabled.

Individual Insurance

There are a lot of individuals who cannot be part of group health insurance either because they are not being provided insurance by their company or they are into their own business or they are a student visiting the US for higher studies. AIS is providing these services to them through empaneled careers. These includes

  1. Health Insurance
  2. Vision Insurance
  3. Dental Insurance
  4. Life Insurance

Visitors Insurance

Visitor health insurance, also known as visitor medical insurance, is a form of short-term travel medical insurance policy that visitors to any country purchase to obtain coverage protection for accidental injury or sickness or illness that occurs during their stay in the host country. AIS has been serving the community for many in providing visitor insurance through our subsidiary Visitors Guru. If you have your parents or any family members visiting USA, it is important that they are covered for any health related emergency during their stay in USA. Visitors Insurance provides excellent protection for:

  • International students
  • Business travelers
  • Green Card Holders & Immigrants
  • Visa holdersRelatives visiting family members in the U.S.
  • Tourists

Please visit www.visitorguru.com for more information.

Business Insurance

“Expect the best and be ready for the worst”. Organizations should approach their business with a sense of enthusiasm and positivity and always expect best out of it. However, they should make sure that they are prepared and plan for the worst as many times situations are not in our control. To sail you out of these situations, AIS has a variety of valuable loss prevention products to protect your small and medium size business. Our Business Insurance advisors will help you at every step as they are well versed with the local, state and national rules & regulations. They will ensure that you are protected from all risks and in compliance with federal regulations too. This is just a part of what we mean when we say we are “Your Ambassadors for Protection”.

AIS protects your business by providing following insurance pol

Commercial General Liability

Commercial general liability (CGL) is a type of insurance policy that provides coverage to a business for third party bodily injury, personal injury, and property damage caused by the business’s operations, products, or injuries that occur on the business’s premises. CGL is considered comprehensive business insurance, though it does not cover all risks a business may face.

  • There are two types of CGL policies—a claims-made policy that covers claims regardless of when the event took place, and an occurrence policy where the event must take place during a set period.
  • Companies can add other companies they contract with to their commercial liability insurance policy as an “additional insured.”

Cyber Liability

Cyber-insurance is a specialist insurance product used to protect businesses and individual users from Internet-based risks, and more generally from risks relating to information technology infrastructure and activities. Cyber insurance generally covers your business’ liability for a data breach involving sensitive customer information, such as Social Security numbers, credit card numbers, account numbers, driver’s license numbers and health records.

Errors & Omission

Errors and omissions insurance (E&O) is a type of professional liability that protects companies, their Employees, and other professionals against claims of inadequate work or negligent actions committed in the course of performance of services. As this coverage is not offered under a general liability insurance, E&O often covers both court costs and any settlements up to the amount specified by the insurance contract.

Workmen Compensation and Employer’s Liability

This is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee’s right to sue their employer for the tort of negligence. Most state requires that every business to purchase this policy as soon as they hire their first employee. Even when your state doesn’t require it, this policy can protect your business from expensive medical bills from work injuries as well as lawsuits over employee injuries.

State of North Dakota, Ohio, Washington and Wyoming are monopolistic states i.e. you must purchase this policy from the state fund.

Workers’ compensation can cover the cost of:

  • Ambulance rides, emergency room bills, and other employee medical emergencies
  • Medications, physical therapy, and other ongoing costs
  • Part of the wages lost while an employee is recovering
  • Legal expenses if an employee sues your business over the injury or illness

Umbrella Liability

Umbrella insurance is extra insurance that provides protection beyond existing limits and coverages of worker’s compensation and CGL and hired and non-owned auto policies. Umbrella insurance provides coverage for claims that may be excluded by other liability policies including claims like false arrest, libel, slander, and liability coverage on rental units you own.

Commercial Auto

Commercial auto insurance protects small businesses when their vehicles are involved in a collision or are stolen, vandalized, or damaged. A commercial auto insurance policy provides funds to repair or replace the vehicle and covers related medical expenses and third-party property damage.

Employment Practices Liability

Employment practices liability insurance protects companies if an employee sues over wrongful employment practices or work-related issues. These kind of disputes have become very common in US. This means companies don’t have to pay legal costs, including judgments, out of pocket when an employee or group of employees claim their rights have been violated. The Policy has to be active both when the incident of wrongdoing was filed and when it took place.

EPLI protects companies accused of:

  • Discrimination
  • Wrongful hiring / firing decisions
  • Mismanagement of benefits
  • Breach of employment contract
  • Privacy invasion
  • Sexual harassment
  • Workplace harassment

1st & 3rd Party crime bond

First-party fidelity bonds protect your tech business when an employee commits fraud, theft, or forgery against your business.

If employees have access to your finances or valuable assets, a first-party fidelity bond can give you peace of mind and provide financial reimbursement if an employee steals from your company.

Third-party fidelity bonds protect your clients from fraud, theft, or forgery committed against them by one of your employees.

A third-party fidelity bond reimburses your clients if an employee of your business steals money or property from them.

Director & Owner Insurance

Directors and officers (D&O) liability insurance is insurance coverage intended to protect individuals from personal losses if they are sued as a result of serving as a director or an officer of a business or other type of organization. It can also cover the legal fees and other costs the organization may incur as a result of such a suit.

This insurance is to provide financial protection for the directors and officers in the event they are sued in conjunction with the performance of their duties as they relate to the company. It can also be called management E&O.

This could include mismanagement of operations or company assets, conflict of interest, misrepresentation sale of company assets, violation of laws, breach of fiduciary duties.

Accounts Receivable Insurance