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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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Reliance Matrix

Reliance Matrix is a leading insurance carrier specializing in innovative and flexible employee benefits and workforce productivity solutions including disability income and group term life insurance, a suite of voluntary (employee paid) coverage options and fully integrated absence management. Reliance Matrix markets these solutions through independent brokers and agents to employers of all sizes. Rated A (Excellent) by A.M. Best, Reliance Matrix began its centennial year in 2006.

Prepare your small group renewals with our helpful resources. And check out the broker bonuses and commissions.

New Business Submission Deadlines
Effective DatesDeadlines

June 1

Friday, May 31

July 1

Friday, June 28

August 1

Wednesday, July 31

September 1

Friday, August 30

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.

Plan summaries, enrollment and change forms, and information about Reliance Matrix and our other 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.

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

Please note that the submission of all required paperwork, each filled out completely, aids in expediting the underwriting process. We look forward to receiving your enrollment forms and working with you to see your small group business placed.

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



Reliance Matrix understands that you’ve got more things to do than just manage employee benefits. So they’ve created group coverages for life, a full range of disability, and dental and eye care benefits that are easy to select and easy to use. All backed by the superior support, service, and customer care they’re known for. You’ll wonder how you ever did it without Reliance Matrix.

Small Group Products

RSL SmartChoice® is available to groups with two to 19 lives, except where otherwise specified. Small Group Packages incorporate Short-Term Disability, Long-Term Disability, Life/AD&D, and Dental/Eye Care benefits. Employers may also select stand-alone lines of coverage from among most of these plans.

RSL SmartChoice Dental/Vision Plan Highlights

  • Groups of two through 19 lives (three to 19 unless sold with two other lines of RSL coverage).
  • Three comprehensive dental plans.
  • Managed Care/PPO dental options.
  • Child/Adult Orthodontia option.
  • Vision option.
  • Takeover coverage available (Type 3/Major services).

RSL SmartChoice LTD Plan Highlights

  • $7,500 monthly maximum benefit.
  • Guarantee issue.
  • Benefit percentage of 60%.
  • 60, 90, and 180 day elimination periods.
  • 36-month own occupation definition of disability.
  • Pre-existing condition benefits payable up to 12 months (30% to $3,750).
  • Rehabilitation benefit.
  • Survivor benefit (lump sum).

RSL SmartChoice Life/AD&D

Small Group Term Life Insurance plans are offered to active, full-time employees working a minimum of 30 hours per week year-round (non-seasonal) who have satisfied the employer’s minimum service requirement.

RSL SmartChoice Life/AD&D Plan Highlights

  • Simplified enrollment.
  • Guaranteed issue of $50,000 for groups of two to five lives.
  • Guaranteed issue of up to $75,000 for groups of six to nine lives.
  • Guaranteed issue of up to $100,000 for groups of 10 through 19 lives.
  • Maximum benefit of $200,000.
  • Plan designs offered include 1X earnings, 2X earnings to a certain maximum, or flat amount of coverage for all.
  • All plans offer an equal amount of Life/AD&D.
  • Group life conversion privilege.
  • Waiver of premium provision included.
  • Accelerated death benefit.
  • Seat belt benefit included.

RSL SmartChoice STD Plan Highlights

  • Guarantee issue.
  • Benefit options offered include 50%, 60%, 66⅔%, 70%, or a flat amount of coverage for all.
  • Weekly maximum benefit of $1,500.
  • Pre-existing condition benefits.
  • Benefit for one period of disability paid from the first day of injury .or from the eighth consecutive day of sickness.
  • Benefit duration of 13 or 26 weeks.
  • Plans are non-occupational and end at retirement.

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