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Insurance Office of America
Benefits Department
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Employee Benefits Portfolio

At Insurance Office of America, we offer the widest possible range of employee benefits. Our insurance portfolio includes the following:

GROUP HEALTH
Fully Insured
Self Funded
Gap Coverage
Consumer-driven Health Care Plans
HSA Plans

(Group & Individual)
GROUP LIFE
Basic Life
Supplemental Life
Voluntary Life
Dependent Life
Spouse & Child Life

GROUP DISABILITY
Group Short Term
Group Long Term
Voluntary Std
Voluntary Ltd

RETIREMENT PLANS
401(K)
Defined Benefit 412(I)
Profit Sharing
501(c)3 & 403(b)
Defined Contribution

LONG TERM CARE
Group Long Term Care
Individual Long Term Care

SECTION 125
Premium Only Plans
Flexible Spending Plans

GROUP DENTAL
Employer Paid
Voluntary Dental

HRA’S

EXECUTIVE BENEFITS
Deferred Compensation
Key Man Life & Disability
Split Dollar Plans
Defined Benefit 412(I)
Variable Life
Variable Annuities

PEO Plans

NICHE MARKETS
Voluntary AD&D
Group Travel
Physicians Disability
Trucker Accident
Disease Management