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Claremont Insurance Services

To keep you current on information critical to your business, below are updates and resources to support your sales and service efforts. To access our full library, visit the News and Industry Perspectives site.


Q4 Promotions

Boost sales and finish the year strong by leveraging Principal's promotions for new and existing clients (cases under 200 lives) with effective and renewal dates of September 1, 2019 - January 1, 2020.

Save with 3 or More Lines of Coverage
The more you offer, the more your clients can save. With Principal’s multiple product discount program, groups with 3-2,499 eligible employees may receive a 5% discount.

New Business Promotions

  • Start-up Dental Discount:
    5% without orthodontia and 3% with orthodontia.
  • Extended Rate Guarantee Program:
    • Free 2-year rate guarantee on dental and short-term disability (STD) benefits for 3 lines of coverage.
    • Free 3-year rate guarantee on group term life and long-term disability (LTD) benefits for 3 lines of coverage.

Existing Business Promotion

  • Extended Rate Guarantee Program:
    Free 2-year rate guarantee when adding a coverage line to existing coverage.

Increase sales with Principal's Q4 promotions. Learn more.

Learn More

Tools for Designing Top-Notch Benefit Programs

Get Principal’s power tools to create top-notch small business benefit programs that are designed to:

  1. Identify The Opportunity using the Small Business Marketing Guide.
  2. Compare The Benefits Package using the Principal Benefit Design Tool.
  3. Work with clients to evaluate sample benefit designs that meet their goals and budget.

Learn how to expand your success in the small business market and get big-business results with Principal’s powerful broker tools.

Learn More

HSA Explainer Videos for Employers and Employees 

Are your clients and their employees confused about Health Savings Accounts (HSA), Flexible Spending Accounts (FSA), and Health Reimbursement Arrangements (HRA)?

Sterling Administration has created the following videos that explain the HDHP/HSA options and what your clients need to consider:

  • Help! What exactly is an HSA?
  • What expenses are eligible with an HSA, FSA, or HRA?
  • HSA success story: Practice Fusion

Access the videos and learn more.

Access The Videos

Leverage The Special Enrollment Period (SEP)

If you have clients that are unable to meet carrier participation requirements, have dual-carriers, or that don't meet employer premium contribution requirements, the small group SEP is a great solution.

By law, all carriers are required to offer the SEP one time per year with $0 contribution requirement and no minimum participation requirement for small groups. The application period runs November 15 - December 15, 2019, for coverage effective January 1, 2020. Carrier administration of the SEP may vary slightly, including recertification at renewal, so check out our comparison. Download our Carrier SEP Guide.

Download Our Carrier SEP Guide

• Q4 Promotions
• Tools for Designing
  Top-Notch Benefit
Sterling Administration:
HSA Explainer Videos
for Employers and
Leverage The Special
Enrollment Period 

•  •  •


Healthcare Reform
Knowledge Center

•  •  •

October 9
• SBAHU Lunch 

October 15
• Application Deadline:
  - TASC
October 17
• DCAHU Lunch/CE
• SDAHU Lunch
October 21
  Football Party

October 25
• Application Deadline:
  - Chinese Community
    Health Plan
  - Covered California
    for Small  Business
• SAHU Lunch
October 31
• Application Deadline:
  - Reliance Standard
November 5
• Application Deadline:
  - Delta Dental
  - Humana
November 6
• Application Deadline:
  - Blue Shield of CA
  - MetLife
November 7
• Application Deadline:
  - Beam Dental
  - Choice Builder
  - Principal
  - UnitedHealthcare
November 14
• VCAHU Vanguard
November 15
• Application Deadline:
  - TASC
December 10
• OCAHU Holiday
• VCAHU Charity +
  Holiday Event

•  •  •


•  •  •


•  •  •


•  •  •


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As always, we'll keep you informed about healthcare reform issues and news affecting you and your clients. Our knowledgeable team is here to help you succeed.

Contact the small group experts at 800.696.4543 or

Claremont Insurance Services
1000 Burnett Avenue, Suite 440, Concord, CA 94520
800.696.4543, License: 0B33256

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