Product Portfolio

Be in control of your portfolio.

Working with LeClair Group gives you access to a wide variety of products and carriers. We have done all the homework for you, choosing only the best products from top-rated insurance carriers, so you’ll know that you have a solid list of products to choose from when adding to your portfolio.

We make it easy for you to contract with our carriers and can help you get started in selling any of the products from our product portfolio below.

Accident Insurance

Accident Insurance

Accident insurance provides a cash payment to cover all or part of the out of pocket costs due to an injury.  It may even contribute to everyday living expenses as life rarely gets cheaper when injured.  Are your clients prepared for the unexpected costs of an accident?

Offering accident insurance to individuals or groups on high deductible plans is a successful premium reduction/risk control strategy.  With Accident insurance, your clients may be able to save hundreds of dollars on premiums.  Accident insurance is guaranteed issue, in some cases up to age 74 (and therefore can complement active Medicare clients) and the cash can be used for any purpose.

Accident insurance is one of the most utilized ancillary health insurances.

Your ideal Accident Insurance clients are:

  • Individuals who don’t want to pay the high cost of a traditional major medical policy, but would be very open to a low-cost accident plan, especially in conjunction with a “high deductible” health savings account.
  • Employers who are looking for a low-cost method of delivering benefits at their worksite. Accident plans are an affordable addition to Bronze and Silver health plans that still leave many expenses in the hands of the policyholder.

Carriers offering Accident Insurance through LeClair Group are:

Cancer Insurance

Cancer Insurance

Give your clients ammunition in the battle against cancer. Cancer can strike at any age; smart advisors incorporate a few questions about cancer planning into their fact-finding process with clients. Cancer is increasingly becoming more treatable and survivable, however, it comes with a big price tag. In fact, ten percent of all health care expenses are related to cancer treatment (no other disease comes close).

Cancer insurance is focused specifically on the disease many fear and one of its greatest features is paying out on diagnosis.  This can be transformative to a person’s treatment, financial wellbeing and many tangible and intangible challenges your clients may face. Whether paying out of pocket costs medical bills, travel, everyday living expenses or simply for a partner to be able to spend time with the client, your clients get to choose how they spend the money.

Your ideal Cancer Insurance clients are:

  • Married Couples and Young Families. A cancer plan will help protect your clients from financial harm and in many cases, provide options important to families in difficult times
  • Small Business Owners who are looking for coverage as a way to support their business if they are diagnosed with cancer.
  • Employers who are looking for added value to employee benefits packages.

Carriers offering Cancer Insurance through LeClair Group are:

Aetna

Critical Illness

Critical Illness

Critical Illness insurance plans pay a lump sum to the policyholder upon the diagnosis of certain covered conditions, including but not limited to cancer, stroke, or a heart attack. That lump sum can be used for any purpose, either related to treatment or to pursue quality of life interests. With so many other medical policies leaving substantial gaps in terms of high deductibles and co-payments, there is a great need for cash to fill that gap. This is precisely what a critical illness policy is designed to do.

Your ideal Critical Illness Insurance clients are:

  • Individuals ages 35 to 55.
    Families seeking protection from out-of-pocket expenses.
  • Small Business Owners who are looking for coverage as a way to support their business if they get sick.

Carriers offering Cancer Insurance through LeClair Group are:

Dental and Vision

Dental and Vision

Consumer demand has made dental and vision insurance more popular than ever. Discussions about dental and vision insurance can open so many doors for agents, primarily because clients instinctively know they will benefit from the plan.  While dental plans provide coverage for basic and major services, they also offset the cost of preventative examinations and cleanings. In this way, agents are delivering very real and concrete value to every client they visit.

Agents in the group marketplace know that dental and vision coverage can make their proposal to an employer truly stand apart from the competition.

Your ideal Dental and Vision Insurance clients are:

  • Individuals under 65
  • Medicare-eligible clients
  • Families
  • Employer Groups

Carriers offering Dental and Vision Insurance through LeClair Group are:

Disability Income

Disability Income

Like many Americans, your clients’ income is most likely their largest asset and they need it to pay for life’s expenses.  Every advisor should encourage clients to have income protection, it could be one of the most important decisions they make. Without it, if they become sick or injured they may not be able to provide for and support their lifestyles, much less plan for the future. Individual disability income insurance will provide a portion of their income if they can no longer work due to injury or illness. There are short and long-term disability income options for individuals and/or businesses.

Your ideal Disability Insurance clients are:

  • Individuals who are self-employed and do not have employer-paid disability insurance plans
  • Employer Groups

Carriers offering Disability Insurance through LeClair Group are:

Health Savings Account

Health Savings Account

A health savings account (HSA) is a tax-advantaged account that works in conjunction with a high-deductible health plan (HDHP). HSAs allow clients the ability to save tax-free money for eligible medical expenses. Money in an HSA rolls over year after year and remains the client’s even if they change jobs or health plans.

An HSA is one of the best ways to maximize the value of clients’ HDHP. Even if an employer doesn’t offer an HSA or a client is self-employed, an HSA can be opened for free to begin taking advantage of the tax-saving benefits.

Your ideal HSA clients are:

  • Individuals or families with high-deductible health plans
  • Employers who are offering high-deductible health plans for their employees and would like to add value to employee benefits packages by opening and contributing toward HSA accounts for their employees.

Carriers offering Health Savings Account options through LeClair Group are:

Hospital Indemnity

Hospital Indemnity

A hospital indemnity plan is an affordable policy that pays a cash benefit for each day you are confined in a hospital. It may also offer an ambulance benefit and other riders to offset the high costs of hospitalization. A hospital indemnity plan complements your medical insurance.  The daily amount can be used for any purpose and in some plans the daily amount can be decided by the client.

Seniors with Medicare (up to age 74) will often choose a daily cash benefit to match the ‘per diem’ with their Medicare Advantage plan design. By contrast, accident insurance pays a lump sum reimbursement based on actual out of pocket costs following a covered accident (although the money can be used for any purpose).

Clients have used Hospital Indemnity plans to assist with the following types of expenses:

  • Deductibles or co-pays (things the primary insurance doesn’t cover)
  • Travel and lodging (for visiting family)
  • Hospital incidentals (TV, private room)
  • Other expenses (lawn service, pet care, etc.)

Your ideal Hospital Indemnity clients are:

  • Individuals U65
  • Medicare-eligible clients (up to age 74).
  • Families seeking protection from out of pocket expenses.
  • Small business owners
  • Employer Groups

Carriers offering Hospital Indemnity plans through LeClair Group are:

Aetna

Life Insurance

Life Insurance

Life insurance is vital security and protection that every household in America should have. It is a contract between a policyholder and an insurer where, in exchange for a premium, upon the death of an insured person, the insurer pays a designated beneficiary a tax-free sum of money or benefit. Depending on the policy, other events such as terminal illness may trigger payment of benefits before death. Other expenses, such as funeral expenses, can also be included in the benefits.

Term life insurance has two basic types, Level and Decreasing term.  With term we recommend clients go for the longest term possible for better rates and to ensure issue; life insurance is always cheaper and easier to obtain when younger and healthier.

We provide two types of Permanent life insurance, Whole and Universal.  Permanent life insurance is an important strategic financial decision for individuals and families to provide protection, build and preserve wealth.

Your ideal Life Insurance clients are:

  • Parents seeking coverage to protect assets for their family in the event they cannot
  • Individuals seeking alternative options for retirement protection
  • Adults seeking coverage for final expenses, such as funeral expenses
  • Employers who are looking for added value to employee benefits packages.

Carriers offering Life Insurance plans through LeClair Group are:

Linked Benefits

Linked Benefits

The Long-Term Care insurance market has evolved in recent years and carriers are now offering Linked Benefit Policies, also referred to as “hybrids”. These products essentially allow the consumer to get double-duty from their retirement dollars, using them to build tax-deferred cash value and, if needed, fund their long-term care need.

Linked Benefit products can even be fully funded with a single premium making them attractive to somebody with assets available whilst working, providing benefits available for the remainder of their life.

Linked Benefit plans are a perfect answer to the “What if I don’t use my Long-Term Care insurance?” question.  In today’s market most clients choose a policy that provides varying degrees of cover, few choose a policy that expects to cover all their likely expenses.

LTC conversations with your clients is a vitally important service you can provide for your clients.  Our team at LeClair Group can help you certify, discuss, illustrate and bring LTC planning into your practice.

Your ideal Linked Benefits clients are:

  • Individuals ages 45 to 75 seeking to protect assets from potential long term care expenses, and leave something behind for their beneficiaries
  • Married couples ages 45 to 75 seeking to protect their life partner from the impact of the cost and asset loss from potential LTC needs
  • Adult Children seeking policies to cover long term care expenses for their parents and protect their parents’ assets

Carriers offering Linked Benefits plans through LeClair Group are:

Long Term Care Insurance

Long Term Care Insurance

Long term care insurance is a leading solution to the problem facing clients planning for the staggering costs of care whether (and in most cases the most likely) at home, assisted living and less commonly at a custodial care facility. As clients make plans to live a long and prosperous retirement, the need for LTC financing becomes critical.

Many people spend much of their lives Asset Building to enable a successful retirement.  LTC and Medicare are essential elements of Asset Protection, the costs of both provide significant financial risk to the best of plans.  All your senior clients should enter retirement with insurance to cover their medical and personal care costs.  The risk to spouses and children from a deficiency in either is a major problem as baby boomers head into retirement.

At LeClair Group we feel it is the duty of every advisor to broach the conversation about long term care with their clients; ensuring they understand the traditional and linked options available today.

Your ideal Long Term Insurance clients are:

  • Individuals ages 45 to 75 seeking to protect assets from potential long term care expenses, and leave something behind for their beneficiaries
  • Adult Children seeking policies to cover long term care expenses for their parents and protect their parents’ assets

Carriers offering Long Term Care Insurance plans through LeClair Group are:

Major Medical

Major Medical

Major Medical Insurance is what the industry refers to as traditional health insurance. It is what the Patient Protection and Affordable Care Act (PPACA) is meant to address, with a mandate that all Americans carry this type of coverage. Benefit levels are now graded with a “metallic” scale of reference, Platinum, Gold, Silver, and Bronze, corresponding to how much balance exists between plan responsibility and the policyholder’s out-of-pocket exposure.

By law, everyone must have Major Medical Insurance, whether purchased from their employers, through individual health plans or through the exchange.

Your ideal Major Medical Insurance clients are:

  • Individuals and families
  • Employers seeking group insurance plans for their workforce to as value-added benefits and/or to avoid employer penalties imposed by the ACA

Carriers offering Major Medical Insurance plans through LeClair Group are:

Medicare

Medicare

Medicare is a single-payer, national, socially funded insurance program administered by the U.S. federal government since 1966. There are currently 30–50 private insurance companies nationwide that have contracts with the government to provide and administer Medicare plans. Medicare is funded by the general public through payroll taxes, premium from beneficiaries, and the federal general revenue. It provides health insurance to Americans age 65 and older who have paid into the system through the payroll tax from their jobs. Medicare also provides health insurance to younger people with disability status, as well as people with end-stage renal disease and amyotrophic lateral sclerosis, as determined by the Social Security Administration.

Agents interested in offering Medicare products must be AHIP certified, in additional to being certified with each carrier.

Your ideal Medicare Insurance clients are:

  • Individuals ages 65+

Carriers offering Medicare Insurance plans through LeClair Group are:

Aetna
Medicare

Travel Medical

Travel Medical

Pay close attention to what’s not covered in your clients’ current major medical policy. Most domestic insurers will not pay for medical services received abroad nor have insureds evacuated out of a foreign country for a medical emergency. The U.S. State Department says an evacuation can easily cost more than $50,000. If that’s not a cost your clients are capable of paying — or are willing to pay — for the consequences of something as simple and unpredictable as an auto accident, for example, you might want to talk to them about travel health insurance.

Be mindful that travel health insurance is not the same as “travel insurance” often provided by credit card companies and similar outlets. Travel insurance covers the trip itself – in the event of the need to cancel travel plans, lost luggage, etc. Clients will need a separate travel health insurance plan for medical needs and emergencies abroad. Travel medical insurance may be purchased in short or long term durations depending on the length of travel.

Your ideal Travel Medical Insurance clients are:

  • Individuals who are studying abroad, on missionary trips or on vacation
  • Groups traveling together who may be eligible for group discounts
  • Employers seeking short-term medical plans for their corporate expats or business travelers

Carriers offering Travel Medical Insurance plans through LeClair Group are:

Short Term Medical

Short Term Medical

Short-Term health and Fixed Indemnity (ACA alternative) plans do not meet the minimum essential coverage requirements under the Affordable Care Act (ACA) and are not a replacement for a full Major Medical insurance plan.

They can be important protection that bridges the gaps in health insurance coverage and for those in transition.  A Short Term Medical Plan provides the protection from catastrophic risk some clients are seeking.  For others a broadly based 1st dollar fixed indemnity product covering hospital services, surgery, doctor visits, wellness & prevention, pharmacy or outpatient may be what they want.

The STM market is changing rapidly as the government and individuals seek affordable options.  STM plans can now be bought in multiples of 3 months in one transaction and therefore guaranteed continuing coverage (although the deductible and max out of pocket will start over with subsequent policies). With some STM plans there is a return of premium in the event you find health insurance before the end of your term.

If you have a client that will not purchase an ACA plan then it is time to ensure they are aware of their STM and Indemnity (Fixed, Accident and Hospital) options.

As Federal rules change look for increasing flexibility in the design of short term medical plans.

Your ideal Short Term Medical Insurance clients are:

  • Individuals
  • Couples Carriers offering

Short Term Medical Insurance plans through LeClair Group are:


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