Archive for the ‘Reliance Matrix’ Category

Reliance Matrix Critical Illness Insurance

Reliance Matrix Critical Illness Insurance offers a forward-thinking, flexible solution for today’s workforce—addressing not only major diseases but also emerging and persistent conditions such as infertility, type II diabetes, and mental illness.

Product Features:

• Infertility Benefits: Three levels of coverage (medication, surgery, egg retrieval), supporting a growing need among working families—up to 100% of the coverage amount for advanced procedures. Learn more.
• Type II Diabetes: Lump-sum benefit at diagnosis (25%) and full payout for severe complications, including ongoing coverage for new or recurrent events.
• Mental Illness: Recognized as a major covered illness—benefit paid at 100% of the policy amount, plus access to our confidential Employee Assistance Program with free counseling and support after a claim.

Benefits Include:

• Coverage amounts from $5,000 to $50,000 (employee, spouse, and dependent child options)
• $100 wellness benefit for any preventive screenings or immunizations
• No direct cost to employers, convenient payroll deduction for employees

Offer your clients Reliance Matrix’s Critical Illness plan as a value-added benefit that addresses today’s workforce realities, improves employee retention, and fills coverage gaps traditional health insurance leaves behind. For details and a quote for groups with 10+ employees, contact your Claremont Sales Team.

Contact us today for a Reliance Matrix quote or to learn about other lines of coverage.

Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.

Reliance Matrix – SmartChoice® Small Group Insurance Products

Small businesses need insurance solutions that are straightforward, flexible, and affordable. Reliance Matrix’s SmartChoice® program delivers exactly that, with comprehensive options designed specifically for groups with 2 to 19 employees.

Coverage Options

• Short-Term Disability (STD): Weekly maximum benefit of $1,500, multiple benefit percentage options, and pre-existing condition benefit.
• Long-Term Disability (LTD): Monthly maximum benefits up to $7,500 ($10,000 for select industries), 60% benefit percentage, 60, 90, and 180-day elimination periods, “Own Occupation” definition of disability – 36 months (60 months for select industries), pre-existing condition benefit, and rehabilitation and survivor benefits.
• Life/AD&D: Guaranteed issue amounts from $50,000 to $100,000 depending on group size, maximum benefits of $200,000. All plans offer an equal amount of Life/AD&D.
• Dental/Eye Care: Three comprehensive dental plans with PPO options, adult/child orthodontia coverage, and eye care option.
• Critical Illness: Three plan design options with coverage up to $20,000 maximum. Three illness categories, subsequent occurence benefit, recurrence benefit, and lifetime maximum of 200% to optimize health and supplemental coverages.
• Accident: Guaranteed issue coverage, three plan design options,  24-hour or non-occupational coverage available, and AD&D coverage can be included. Helps with high-deductible healh plan coverage.

Key Features

• No employee age restrictions.
• Husband/wife and 100% family groups are eligible.
• No minimum premium requirements.
• Flexible payment options (100% employer or employee paid at the same rates).
• Class carve-outs available on all products.
• Guaranteed issue for all products.
• No employee applications required (list enrollment).
• Products sold on a standalone basis.

Exceptional Dental Network

SmartChoice’s dental coverage uses the Ameritas Classic PPO network, one of the nation’s largest dental networks with:

• 134,000+ unique providers, 91,500+ unique locations, and 605,000+ access points.
• Freedom to visit any dentist, including current providers.
• 25-50% discount when using network providers.
• No paperwork when visiting in-network providers.
• Coverage that extends to dental providers in Mexico.

Broker Bonus Program

The 2025 SmartChoice Premier Producer Program offers additional earning potential:

• New Business Tiers: Earn 2.5% to 4.0% of new earned premium based on coverage volume.
• Renewal Business Tiers: Earn 1.5% to 3.0% of earned premium based on case persistency.

These bonuses are paid in addition to standard commissions of 10-15% first-year and 10% renewal commissions across all product lines, creating significant earning potential for brokers who grow and maintain their SmartChoice book of business.

Why SmartChoice

For small businesses looking for comprehensive, flexible insurance coverage, SmartChoice delivers value without complexity. The program combines essential protections with administrative simplicity, making it easy for both employers and employees to get the coverage they need.

To learn more, view these resources:

• RSL SmartChoice® Small Group Insurance Products
• Reliance Matrix Dental Network
• 2025 SmartChoice Premier Producer Program

Contact us today for a Reliance Matrix quote and take advantage of the bonus program.

Get a Quote

Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.

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Reliance Matrix – Disability Insurance for Doctors

Disability Guard for Doctors™ delivers unparalleled group long-term disability (LTD) coverage, designed exclusively for physicians. Unlike standard LTD policies that use broad disability definitions, this specialized solution provides higher income protection by defining disability based on actual medical procedures (CPT, CDT/ADA codes) performed in the 12 months before disability. If a doctor is unable to perform one or more of these procedures, they are considered disabled—a level of precision absent in typical group LTD plans.

Closing The Income Protection Gap

Physicians with traditional LTD coverage often face significant income protection gaps. Many individual disability insurance (IDI) policies cap benefits at $10,000 per month, covering just 33-40% of earnings. Financial advisors recommend covering at least 60% of income, making this specialized group LTD solution an essential addition to physician benefits.

The Best of IDI with The Advantages of Group Coverage

Disability Guard for Doctors™ provides the tailored coverage doctors need and expect from IDI, with the added benefits of group insurance:

• No medical underwriting.
• Guaranteed issue.
• Simple administration.

The MGIS and Reliance Matrix Advantage

Through an exclusive partnership, MGIS and Reliance Matrix provide industry-leading group disability and specialty coverage for doctors in all medical specialties and practice settings, with:

• Stronger Income Protection – Covers physicians when they can no longer perform one or more of their actual billable procedures.
• Favorable Earnings Definition – Includes bonuses, partnership income, and other compensation beyond base salary​.
• Return-to-Work Incentives – A 12-24-month period supports a smooth transition back to practice.
• Per-Occurrence Mental & Nervous and Drug & Alcohol (MNDA) Benefits – A 24-month per-occurrence limitation replaces the restrictive lifetime cap found in typical policies.

Designed for Groups of All Sizes

Available to groups with 3+ eligible employees, Disability Guard for Doctors™ makes it easy for practices of all sizes to secure specialized income protection that traditional group LTD policies fail to provide.

To learn more, view these resources:

• MGIS and Reliance Matrix – The Leader in Specialized Disability Insurance For Doctor Group Practices
• Protect Your Income – Designed Exclusively For Doctors
• Definition of Disability – Actual Procedures

Contact us today for a Reliance Matrix quote.

Get a Quote

Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.

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