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Cigna + Oscar Withdraws from
The Small Group Market

New Cigna + Oscar (C+O) small group sales and renewals will not be offered in 2025. At C+O’s request, all plans and rates have been removed from the quote engine. However, you can still quote or renew your C+O groups through December 15, 2024 by contacting us at or 800.696.4543. Please note: the last day of coverage will be December 14, 2025.

For assistance, please contact our Quotes team at or 800.696.4543.

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Principal provides brokers with a portfolio of high quality benefits that fit your client’s budget and deliver value to their employees. Groups with three or more employees may qualify for employer-paid coverage, and employee-paid voluntary coverage starts at 5+ employees. Principal lines of coverage include Dental, Short and Long-term Disability (STD/LTD), Life, Vision and Critical Illness. A 5% discount is available when three or more lines of coverage are sold with Principal.

Principal, founded in 1879, is a respected Fortune 500 company, named as one of the World’s Most Ethical Companies by Ethisphere Institute. Read the press release to learn more.

Prepare your small group renewals with our helpful resources. And check out the carrier commissions and carrier bonus programs.

New Group Submission Instructions

New Group Submissions

Claremont Insurance is here to assist you by providing carrier and product information, plan quotes and comparisons, employer presentations, open enrollment assistance and more for a variety of products offered by California’s premier insurance carriers.

If you are ready to enroll your small group in a Principal plan, please click the Forms tab for a checklist of required paperwork.

Plan summaries, enrollment and change forms, and information about our carriers are always available through Claremont. You can request materials online at or call our broker service representatives Monday through Friday 8:00 am to 5:00 pm at 800.696.4543.

Thank you for choosing Claremont Insurance Services.

Please submit your new group enrollment information to Claremont:

  • Electronically with our secure online service OR
  • By mail: 1000 Burnett Avenue, Suite 330, Concord, CA 94520.

Business Hours: 8:00 am to 5:00 pm, Monday – Friday

Need more information or assistance?
Contact The Answer Team at 800.696.4543 or


Principal’s well-established portfolio of quality benefits are tailored to the needs of businesses with 3+ employees. Principal supports brokers’ need to offer clients the right benefits at the best price to meet their budget through a variety of benefit and network choices. Principal makes the purchase and implementation process seamless, whether the benefits are employer-paid or voluntary. With personalized enrollment forms and enrollment meeting assistance, brokers are supported throughout the implementation to ensure maximum participation with minimal effort.


Principal offers a unique POS product in California, in addition to the more traditional PPO, EPO and DHMO products. The popular POS product determines the right benefit at the time of services, depending on if the member visits EPO, PPO or non-network dentist. Principal’s network ranks #1 in size in many metropolitan statistical areas, so fewer employees will need to change their dentist when switching from another carrier.


Principal’s disability coverage supports employees when they need it most, and protects employers when injury or illness prevents employees from working. Short-term and Long-term disability covers employees when they are unable to perform job duties or when there is a loss of income due to disability. This generous ‘or’ definition means better protection from disability-related loss.


Term life insurance is available as employer-sponsored and voluntary, with the option to add Accidental Death & Dismemberment (AD&D) as well. Helping individuals receive the benefits promised is Principal’s top priority. Often claim information can be gathered over the phone without having to submit a claim or death certificate.


Simple and affordable, vision insurance is a valued addition to an employer’s benefits package. Principal provides an established network of VSP providers, including both independent and retail chains.

Critical Illness

Cancer and heart attacks are not only debilitating physically, they can also be financially debilitating even with medical insurance. Critical illness coverage provides another layer of coverage to ensure peace of mind if high-cost illnesses strike. Plan features include spouse/child coverage, an optional wellness benefit, and optional portability.


Accident insurance pays an up-front benefit based on covered injuries received because of an accident. It’s not dependent on services, tests or treatments, so a covered employee or family member can get paid right away with less paperwork. And there’s no guesswork about the benefit amount. Covers burns, comas, concussions, dental or eye injuries, dislocations, fractures, internal injuries, and disc/knee cartilage/tendon/ligament/rotator cuff injuries.

For more details on Principal’s products or for assistance with a quote, please contact Claremont at 800.696.4543 or

More information is available. Contact Claremont Insurance Services at 800.696.4543 or

In our library, you’ll find carrier forms, applications, enrollment kits, broker bonuses, marketing resources, and more (video tutorial). However, not all carrier forms are available online.

If you don’t find what you are looking for, contact our team for help at 800.696.4543 or