Our Companies

Madison NationalLife Insurance Company, Inc. is part of The IHC Group. The IHC Group is an organization of insurance carriers and marketing and administrative affiliates that has been providing life, health, disability, medical stop-loss and specialty insurance solutions to groups and individuals for over 30 years. Members of The IHC Group include Independence Holding Company (NYSE:IHC), Standard Security Life Insurance Company of New York, Madison National Life Insurance Company, Inc., Independence American Insurance Company and IHC Specialty Benefits. Each insurance carrier in The IHC Group has a financial strength rating of A- (Excellent) from A.M. Best Company, Inc., a widely recognized rating agency that rates insurance companies on their relative financial strength and ability to meet policyholder obligations. (An A++ rating from A.M. Best is its highest rating.) Collectively, the companies in The IHC Group provide insurance coverage to more than one million individuals and groups. For more information about The IHC Group, visit www.ihcgroup.com.

Standard Security Life Insurance Company of New York

Standard Security Life is licensed in all 50 states and has been providing health insurance, and set itself apart as a market leader in medical stop loss insurance for more than 25 years. 

Independence American Insurance Company

Independence American is licensed in 49 jurisdictions and specializes in major medical health insurance for individuals and families, and various group health insurance coverage. 

IHC Specialty Benefits, Inc.

IHC Specialty Benefits is a full-service marketing and distribution company that focuses on small employer, individual and consumer products. Products are marketed through agents online, telebrokerage, advisor centers, private label and directly to consumers through the following divisions:
  • IPA Family, LLC
  • A national marketing organization that distributes major medical insurance plans, as well as other health insurance plans and health membership programs.
  • IPA Direct, LLC
  • IPA Direct is a telesales marketing company consisting of licensed health insurance agents responsible for assisting consumers with the online purchasing process of IHC Group family of products.
  • Aspira A Mas
  • Aspira A Más is a sales and marketing division that is dedicated to serving the Hispanic community with a focus on health insurance education as well as providing affordable insurance products. Products are marketed through general agents, online and advisors.

Ebix Health Administration Exchange, Inc.

IHC's joint venture with Ebix, Inc. offering a Best Practices Administration Exchange for health and pet insurance lines of business nationally.


Published since 1994, healthinsurance.org™ is the Internet's oldest, most-trusted independent site offering consumer information on affordable health and medical coverage. Healthinsurance.org has worked hard to earn consumers' respect and loyalty. The information presented is intended for a general consumer audience. 

IHC Carrier Solutions, Inc.

IHC Carrier Solutions is a program management, actuarial and regulatory compliance firm providing product and business development, valuation services and business block evaluation for IHC’s fully insured health segment. 

Accident Insurance Services, Inc. (AIS)

Since 1990, AIS has offered resources and solutions to general agents and agents in the Texas non-subscription market. As a Managing General Agent with exclusive carrier relationships, AIS and its’ affiliates Caprock Claims Management, LLC and Medical Pricing Strategies, Inc. provides underwriting, administration, marketing assistance, ERISA benefits plans with alternative dispute resolution programs, claims paying, cost containment, re-pricing and case medical management to private employers across the State of Texas. 

Cook Company Insurance Services, Inc.

Founded in 1981, Cook & Company Insurance Services, Inc. specializes in the Massachusetts municipal market by helping cities and towns control the cost of insurance and mitigate risk by providing health plan consulting services, Workers’ Compensation administration (also available to private sector businesses), reinsurance brokerage, claims recovery programs and special risk insurance called Injury on Duty (IOD).