Services For Agents & Agencies
Click on a service below for details.
Disability

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
Individual and Family



Dental Insurance

- 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

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)

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)![]() 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 InsuranceSMEnhanced benefits and services plan![]() 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 InsuranceSMEnvironmentally conscious plan![]() 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 InsuranceBusiness traveler (annual coverage)![]() 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 GroupEmployer sponsored group insurance![]() Request a Proposal for Global Employers Insurance |
Patriot Group Travel Medical Insurance®5 or more individuals (5 days up to 2 years)![]() 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 ProgramSMCultural Exchange Student insurance plans![]() 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 ProgramSMGroup cultural exchange student insurance plans![]() 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 AdvantageSMLong-term, worldwide medical insurance for groups of 2 or more international students![]() 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![]() Buy Patriot Travel Insurance | Review Coverage/Brochure |
Patriot T.R.I.P.® EliteFirst Class Travel Protection![]() Buy Elite Travel Insurance | Review Coverage/Brochure |
Patriot T.R.I.P.® StudentStudent Travel Insurance Program![]() Buy Student Travel Insurance | Review Coverage/Brochure |
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Sky RescueSMEmergency Medical Evacuation![]() 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 InsuranceExtreme athletics and adventure insurance![]() 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 InsuranceSMWorldwide group coverage for professional marine crew![]() Request a Proposal | Review International Marine Medical Insurance Coverage/Brochure |
Global Crew Medical Insurance®Worldwide coverage for professional marine captains and crew members![]() 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 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

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

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.
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