Coalition Insurance Services LLC

Carriers

Aetna

Building on its 150-year heritage, Aetna is one of the nation�s leading providers of health, dental, group, life, disability, and long-term care benefits. They provide benefits through employers in all 50 states, with products and services targeted specifically to small, midsized, and large multi-site national companies. Aetna also offers a wide array of programs, services, and information that help minimize increases in employee benefits costs, while striving to provide easy access to cost-effective, high-quality health care.

American Specialty Health Plans of California

American Specialty Health Plans of California, Inc. (ASHP) is California�s first and largest specialty health plan for chiropractic and acupuncture benefit programs. ASHP provides covered members with direct access to complementary health care products and services on a direct basis and through alliances with various client health plans.

Ameritas Group

As one of the nation�s leading providers of affordable dental and eye care plans, Ameritas offers fantastic value, unique advantages, and access to a large PPO network. Through CoPower, Ameritas offers four dental plans that all include Dental Rewards that can roll over a portion of an insured�s unused benefits each year, thereby increasing their benefits annually without additional costs.

Ameritas also offers two very affordable vision plans that can enable even the smallest groups to add vision care for their employees at a very low cost. Best of all, Ameritas can combine the dental and vision benefits into one plan called �FUSION.� All Ameritas dental and eye care plans are available to groups from 3 to 99 lives!

Blue Cross of California

Blue Cross of California has been serving the health care needs of California residents since 1937. Together with its branded affiliates, Blue Cross provides health care services to more than 6.8 million members. Offering a full continuum of product and coverage options, Blue Cross provides customers with unparalleled choice and flexibility in meeting their health plan needs. With its strong track record for innovation, Blue Cross focuses on progressive products and services designed to improve the health status of all Californians.

CaliforniaChoice 51+

CaliforniaChoice 51+ is a unique program that allows employers with 51 to 199 employers to set a monthly budget for employee health benefits and offers each of their employees the ability to choose from 3 health plans, 8 benefit plan designs, HSA, Dental, Vision, Wellness including Chiropractic, and Group Term Life�all in one package with one consolidated monthly bill.

CaliforniaChoice�

CaliforniaChoice is a unique program that allows employers with 2 to 50 employees to set a monthly budget for employee health benefits and offers each of their employees the ability to choose from 5 health plans, 10 benefit plan designs, HSAs, Dental, Vision, Wellness including Chiropractic, and Group Term Life�all in one package with one consolidated monthly bill.

Ceridian

Ceridian is an information services company that offers integrated services for managing human resources, payroll, tax, time, benefits and employee effectiveness. A distributed service model is the centerpiece of their service. Ceridian has been a leader in the human resources industry for nearly 70 years. They have maintained a track record for pioneering �firsts� in every industry they have entered, creating innovative and integrative applications. They offer special pricing through LISI for Premium Only Plan (POP), Flexible Spending Account (FSA) and COBRA service plans.

ClearBenefits

Founded in 1999, ClearBenefits is a new model benefits administrator that employs a powerful combination of Internet technology and human services to address many of the challenges of benefits administration and communication. ClearBenefits delivers complete, end-to-end employee benefits management, communication, and transaction systems to help brokers serve their clients better and faster, as well as assisting employers in reducing costs and improving service to their employees.

COBRA OnQue�

COBRA OnQue, developed by OnQue Technologies, Inc., is a self-administered COBRA software that is designed for non-technical users, data clerks, brokers and HR administrators. Simple to use, the program provides answers and easy administration for COBRA. OnQue Technologies was founded in 1997 to provide affordable and educational human resources administration systems for small- and medium-sized businesses. Located in Santa Rosa, California, they provide services to employers throughout the United States.

CoPower Administrators

CoPower Administrators, a division of CoPower, Inc., is a third-party administrator (TPA) for Ameritas Group, Delta Dental and Vision Service Plan (VSP). Their specialized purchasing pool allows them to bring large group coverage and pricing benefits to small businesses. An advocate for small group employers, CoPower Administrators assists in managing plan administration and enrollees, extends low carrier rates, offers easy enrollment with one application, provides simple underwriting and consolidated billing, and assigns a dedicated Group Service Representative to each group. They administer benefits for more than 4,200 groups, covering more than 100,000 individuals.

CoPower Financial

CoPower Financial, a division of CoPower, Inc., is a third-party administrator dedicated to providing small group clients with affordable flexible benefits administration and hands-on support. They deliver personalized service to small businesses, administering benefits usually available only to the large group market. In addition, CoPower offers innovative pretax funding plans through FlexOptions, a modular product that enables employers and employees to maximize their tax and health plan premium savings. With mix and match components such as a Health Savings Account (HSA), Dependent Care Assistance Program (DCAP), Health Flexible Spending Account (HFSA) and POP, employers can build the package that best suits their business needs. And at no extra cost, CoPower Financial supplies a prepaid card eliminating the hassle of reimbursement by conveniently paying for employees� qualified expenses.

Delta Dental

With more than 92% of California dentists and 143,000 dentist locations nationwide, Delta Dental offers the industry�s largest dental network. Delta�s contracts with dentists allow them to keep tight control over treatment costs and quality of care provided to enrollees, making their HMO, PPO, and traditional fee-for-service programs the best managed care values on the market. With their variety of plans and direct payments to dentists, 98% of Delta enrollees renew every year. In addition, CoPower provides a full range of administrative services for Delta Dental.

Fort Dearborn Life

With more than 35 years experience, Fort Dearborn Life Insurance Company� is among the country�s leading providers of group life insurance programs. Fort Dearborn Life markets and administers group term life, long- and short-term disability, group dental, and individual life. Fort Dearborn Life is committed to its policyholders and partners by focusing on consumers� needs while providing financial stability, professional services and innovative business solutions.

Fort Dearborn Life has $2.1 billion in assets and $151 billion of Life insurance in force and is rated A+ (superior) by A.M. Best Company and A+ (strong) for financial strength by Standard and Poor�s.

Golden West Dental & Vision

With over 25 years in the business, Golden West Dental & Vision has recruited the highest quality private practice dental offices in California to participate in their prepaid plans. Their bilingual member service teams are available to help with enrollment questions or provider selections. With a 24-hour turnaround, their claims department has been recognized by industry peers as being one of the most efficient in terms of speed and accuracy, and their network retention rates are consistently high year after year.

Health Net

Health Net is among the most respected health care companies in California, with an extensive network of more than 48,000 physicians, 750 physician group locations, and 4,600 pharmacies serving more than 2.5 million members. The company�s HMO, insured PPO, and government contracts subsidiaries provide health benefits to approximately 5.3 million individuals in 15 states through group, individual, Medicare, Medicaid, and TRICARE programs.

Kaiser Permanente Choice Solution

Offered through CHOICE Administrators�, this unique program for employers with 2 to 50 employees offers seven of the most flexible Kaiser Permanente benefit plans along with Dental, Life, and AD&D�all in one program with one consolidated monthly bill.

Managed Health Network (MHN)

MHN has provided Employee Assistance Program (EAP) services since 1974 to over 700 organizations including Fortune 500 companies, government agencies, health plan carriers, insurers and Taft-Hartley Trust Funds. Their comprehensive suite of EAP services and their extensive network of clinicians, consultants and trainers can help make your clients� bottom lines stay profitable by helping their employees manage emotional health and family- and work-related challenges.

Premier Access

Premier Access, one of the largest PPO networks in California, offers a wide range of dental benefits with options to meet even the most challenging needs. Their Premier Choice Network (PCN) is available to members with minimal or no out-of-pocket expenses. They even offer pure indemnity products without any association with their provider network and provide self-insured products with all the services needed to administer any dental benefit arrangements. Their products are offered with a wide range of deductibles, co-payment levels, orthodontic options, and maximum annual dollar coverage. This flexibility provides the dental benefits solutions to meet your clients� specific needs.

Principal Life Insurance Company

Principal Life Insurance Company (The Principal�) has over 120 years in the insurance business, over 55 years as a leader in employee benefits, and more than 120,000 group insurance, and retirement plan customers of all sizes. They are one of the largest employee benefit providers in the nation. Principal Life offers dental, life, vision, and disability insurance through LISI.

Prudential Financial

The Prudential Insurance Company is one of the largest life insurance companies in the nation. Prudential offers some excellent benefits in their product mix and underwriting guidelines including:

• Top-notch product selection
• Excellent substandard underwriting
• No rating on pilots
• Full-risk coverage of up to $30,000,000 face value for individual and $50,000,000 on joint survivor contracts (no reinsurance approvals necessary)
• Pipe smokers, cigar smokers and tobacco chewers are considered NON-SMOKERS

Sharp Health Plan

As a subsidiary of Sharp Health Care, Sharp Health Plan is backed by the largest provider of comprehensive health care services in San Diego. Because they are not-for-profit, more premium dollars go toward ensuring quality care for members. Sharp Health Plan offers a variety of coverage options combining affordability and flexibility, while providing high quality health care in a cost-effective and accessible manner. Sharp Health Plan has a 98% client retention rate and is the plan of choice for many San Diego residents receiving health coverage through one of several state-sponsored programs, such as AIM (Access for Infants and Mothers), Healthy Families and Healthy San Diego (Medi-Cal).

Transamerica Occidental Life

Transamerica Occidental Life Insurance Company�s innovative life insurance & annuity products provide excellent underwriting guidelines and:

• Affordable individual Universal Life Insurance with a 50-year no-lapse death benefit option available (or to age 100, whichever comes first
• Joint Survivor Life with a 50-year guaranteed death benefit option
• Excellent substandard offers
• Preferred rate classes for healthier clients
• Term policies renewable yearly � 10-, 15- and 20-year guaranteed rates

TransConnect

Transamerica Worksite Marketing brings you TransConnect, an innovative new product that enhances your clients benefit package while giving you a competitive edge.

TransConnect is a supplemental medical expense plan that helps to cover employees� out-of-pocket medical expenses. With TransConnect, your clients can offer low cost, high deductible health plans to their employees, while lowering their overall medical premiums and maintaining comprehensive benefits. TransConnect provides your clients with a long-term solution to rising health care costs.

Vision Service Plan

For nearly half a century, VSP has been a trusted advisor in eye care wellness benefits. As the nation�s largest provider of eye care coverage, more than one in 10 Americans is a VSP member. As a VSP member, your clients have access to the largest eye care doctor network and all plans provide a thorough eye examination. VSP was one of the first eye care health plans to use stringent National Committee for Quality Assurance guidelines to credential all VSP doctors. VSP�s doctor network is so comprehensive, that over 90 percent of members have access to a VSP doctor within 10 miles of work and home.