Product Portfolio

At the heart of every International Insurance Services, Inc. sale is our health insurance programs, and our exclusive health products are underwritten by two of the best! With AM Best ratings of 'A', Standard & Poor's rating of 'AA', in excess of $10 Billion in assets and both companies having over a century of service, you can be assured your clients will enjoy the quality and stability they deserve.

Major Medical with copays

  • Comprehensive - Quality - Flexible
  • Deductibles ranging from $1,000 to $10,000
  • Dr. copays and Rx benefit
  • $2 million, $5 million, or $10 million lifetime maximum
  • Wellness Benefit available
  • 12, 24, or 36 month rate guarantee
  • Extremely competitive and stable rates

Quick and convenient issue with state of the art processing makes for quick and immediate pay.

Comprehensive Catastrophic Health Insurance Plans offer:

Vanishing Deductibles between $500-$5,000. The deductible reduces 25% annually when no inpatient claims are filed*. REWARDS THE CUSTOMER FOR GOOD HEALTH!

Outpatient benefits that cover such items as: Doctor Visits, Lab Work, MRI, Cat Scans, Radiologist, Pathologist, Diagnostic Testing (these are subject to various deductible per year, then pays benefits at 80/20 coinsurance)

  • Co-Pay Drug Card Benefit
  • $5 Million Lifetime Maximum
  • Organ Transplants --- up to $1 million of coverage per person
  • Helicopter and ambulance service covered within the certificate limits
  • 24/7 Coverage
  • No up front charge backs, and stable rates allow for GREAT PERSISTENCY!

High Risk Health Plans . . .

Guaranteed Issue Mini Med Plan

  • No pre existing condition limitations
  • First dollar coverage on your health claims
  • Discounted PPO networks
  • Simple enrollment form
  • Copay generic prescription card
  • Discount benefits on lab testing and imaging

How many plans could you sell that accepts a client with a history of leukemia, high blood pressure or diabetes? . . . two, three or five per week?

At International Insurance Services, Inc., we do that and much more.

Not only is this plan the best in the industry, but goes far beyond anything in the industry.

This product, which is underwritten by an A+ rated company, fits perfectly with our NBA Keystone Ultimate Membership Plan.

  • Up to $100,000 Maximum Benefit per accident or sickness
  • Daily Hospital Expense (After a $500 deductible) of: 1-10 Days: 80% up to $4000 per day Next 30 days: 80% up to $2000 per day
  • Doctor Office Visit - 80% of the doctors fee up to $25 per visit
  • Surgical Expense Benefit- Scheduled benefit that pays up to a maximum of $10,000 based on the benefit listed in the policy
  • Ambulance Benefit - 80% up to $200
  • Plus, double the premium returned if death is due to accident

With the "Keystone Ultimate Plan" your clients receive the many NBA Member benefits and privileges

  • $25,000 Accidental Death and Dismemberment benefit
  • $5000 per incident Accident Insurance Policy
  • Medical Supplement Plan
  • Pharmacy Program
  • Lifeguard Emergency Rescue
  • Dental Care Solution

Life Product with Critical Illness Rider:

  • Quick issue time. Some of the benefits are:
  • Insurance protection that can help cover financial needs in an untimely death.
  • A Disability Income rider provides a monthly income to help cover bills when you are disabled.
  • Terminal Illness Rider allows the base insured access to a portion of the death benefit in the event he or she is diagnosed with a terminal illness where life expectancy is 12 months or less.
  • Return of Premium Rider is a full return of all premium paid if you keep the policy until the end of the initial term.

*may vary by state