Products IAIC Sells

About IAIC and The IHC Group

Independence Holding Company, formed in 1980, is a holding company that is principally engaged in underwriting, administering and/or distributing group and individual specialty benefit products, including disability, supplemental health, pet, and group life insurance through IHC Specialty Benefits, Inc., a technology-driven full-service marketing and distribution company, and its three insurance companies.

The three insurance companies are:

  • Standard Security Life Insurance Company of New York
  • Madison National Life Insurance Company, Inc.
  • Independence American Insurance Company

Independence Holding Company and its subsidiaries are commonly referred to as “The IHC Group.”

Why work with IAIC?


Financial Strength

Independence American is rated A- (Excellent) by A.M. Best & Company Inc., a widely recognized rating agency that rates insurance companies on their relative financial strength and ability to meet policyholder obligations

Technology Driven

Our cloud-based quoting and enrollment tools make it easy for producers to help their clients make the best decisions for their health insurance needs

Trusted Partner

For 35 years the member companies of The IHC Group have worked with independent producers, career agents, General Agents and field marketing organizations to meet their client’s needs

Agent Finder

IAIC works with licensed agents nationwide to provide our unique set of products and services.

Independence American is licensed in all 50 states and its products include short-term medical, hospital indemnity, fixed indemnity limited benefit, group and individual dental, and pet insurance. AM Best has placed under review with developing implications the Financial Strength Rating (FSR) of a- (Excellent) and the Long-Term Issuer Credit Rating (Long-Term ICR) of “a-” (Excellent) of Independence American Insurance Company (IAIC) (Wilmington, DE). This rating action follows the announcement that IHC has signed a definitive stock purchase agreement to sell a 70% controlling interest in its pet division and in the stock of IAIC and other assets to a subsidiary of Iguana Capital Inc.

Work With The IHC Group

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