Stephens-Matthews Marketing

Product / State Availability

IHC STM Advances

  • 2 month advance on 90-day policies
  • 4 month advance on 180-day policies
  • 6 month advance on 364-day policies

You can save time during your busy season by generating your STM clients an ACA or new STM quote in just a few clicks, without having to re-enter client demographics.

To use this feature you must have a FREE INSXCloud account.

Submit the form below for



Advanced Commission Opportunities are available for the entire suite of IHC’s ancillary products and benefits

The IHC Group is committed to continue offering short-term limited duration medical plans (STM) (plans underwritten by Independence American Insurance Company (IAIC)) as an option to those who cannot purchase insurance through the ACA marketplace due to timing or affordability. It is important to focus on providing insurance plans that deliver on affordability and meaningful coverage in the event of an unforeseen accident or illness.

Cover Me Until Open Enrollment from IAIC has Launched

Use the “Cover Me Until Open Enrollment” feature on the IHC Marketplace to align your client’s Short-Term Medical insurance (STM) termination date and Affordable Care Act (ACA) plan effective date. When you take advantage of this option, your client’s STM policy term date is set to January 1, 2021. This means:
  • There is no gap in coverage between the term date of the STM policy and the start of an ACA plan
  • Your client can enroll in a new 364-day STM policy starting on January 2, 2021, which will provide coverage until 12/31/2021
  • Your client saves money because the December premium payment is pro-rated. For example, a policy enrolled for the 17th of the month effective date doesn’t run through January 16th- it terminates on January 1st, saving half of a month’s premium.
  • FREE INSXCloud account

Bridge: Accident and Critical Illness Insurance

Introducing Bridge, underwritten by Madison National Life Insurance Company, Inc., a new Accident and Critical Illness product from IHC Specialty Benefits. If your client has an accident or is diagnosed with a critical illness, the last thing you want them to worry about is money. They have health coverage for their medical bills but other costs can pile up. That's where Bridge can help.

Bridge features coverage for:

- Critical Illness
- Accident Medical Expense
- Accident Disability Income
- Accident Hospital Confinement

Product highlights include:

- Guaranteed issue
- An easy enrollment process
- Next-day coverage
- Premiums starting as low as $34.95 a month**


For information and new agent contracting, submit the short form below.

¹Not all products are available in all states. Duration varies by state. Extended duration STM is only
available on the STM and Value series, not on Plus. Maximum term is 36 months (33 months in South
Carolina). The length of the policy term must be selected at time of enrollment.

**Premiums vary depending on coverage options selected.

For agent use only, not for customer solicitation or public distribution.
This product is administered by The Loomis Company.

Stephens-Matthews Marketing, Inc.

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Affordable Care