INTERNATIONAL INSURANCE GROUP, INC. 2010 PRODUCER GUIDE

International Products Mexico Tourist Auto

Seguros de RC para USA

Int’l Health Insurance

Domestic Products RV & Travel Trailer

Manufactured/Mobile Home

Watercraft

Motorcycle Commercial Auto

IT/Web Products Website Design SEO Expertise

Custom Programming

Website Maintenance Web Hosting

Domain Names Logo / Graphic Design

Google Adwords

Google Analytics

INTERNATIONAL INSURANCE GROUP, INC.

2010 PRODUCER GUIDE Featuring…

www.mexicoinsuranceonline.com

www.specialtyinsonline.com 121 E. Birch Avenue, Suite #207

Flagstaff, AZ 86001 P: 1-888-467-4639

F: 1-928-779-7221

IIG Corporate Office Location - Flagstaff, AZ

2010 IIG Producer Guide 2

Message from Management

Dear Producer: We would first like to thank you for your continued production and loyalty! The past 12 months have been tough for all of us and we recognize your efforts during these times. As always we continue to make our systems and products an integral part of your agency’s added value. In this regard, we are excited to announce some of the additions we are offering our agents for the rest of 2009 and beyond. Some new highlights include:

• Review of our domestic programs which provide US domestic coverage for Commercial Fleet Auto, Manufactured/Mobile Home, Motorcycle, RV and Travel Trailer, and Watercraft Insurance for your customers in nearly every state. If you are selling these products with Foremost or Progressive, give us a chance to show you other options.

• Announcing our new IT Division, especially designed to help agents & brokers sell all types of

insurance on the web.

• Addition of another top Mexico Tourist Auto insurer, Qualitas Compañía de Seguros – they are the leading Mexico Resident Auto Insurer.

• Continuation of our excellent programs with GNP, ABA Seguros/GMAC, GE/HDI Seguros, and ACE Seguros.

We are committed to providing you with the best service possible. We appreciate all your feedback! Thank you again for your production and support! Sincerely, The Entire Team at www.mexicoinsuranceonline.com & www.specialtyinsonline.com


Table of Contents Announcement about ITIS Page 4

About IIG 5

Staff Directory 6 US domestic Insurance Products 7

Commercial Vehicle Insurance 8

Manufactured/Mobile Home 9

Motorcycle 10

RV and Travel Trailer 11

Watercraft 12 Mexico Insurance 13

Growing your agency with Mexico Insurance 14-18

Supply Order Form 19

IIG and Quomation Join Forces 20

Mexico Insurance standard Coverage 21 Things to know to avoid E&O exposure 22

FAQ’s 23-24

Cancellation Procedures 25

About our Underwriters 26

Coverage Limits 27

Program Comparison Charts 28-29 Other International Products 30

Northbound Auto 31

International Medical Insurance 31

More on ITIS Web Development 32-34


Announcing the Launch of www.ItIsWebDevelopment.com!

Find out more about

Insurance Technology & Internet Solutions on Page 32, 33, & 34!

www.ItIsWebDevelopment.com

(866) 991-ITIS

121 E. Birch Ave Suite 207

Flagstaff, AZ 86001

[email protected]


About International Insurance Group

International Insurance Group holds Insurance licenses in 49 states. IIG has been providing agents with systems and products for Specialty Personal Lines for the last 10 years. In those 10 years, we have focused on personal service and automation in an effort to help our agents and distributors improve your bottom line. Based on feedback from our agents, IIG has added new programs to strengthen the product lines available to our agents. Our new products include Commercial Fleet Auto, Manufactured/Mobile Home, Motorcycle, RV and Travel Trailer , and Watercraft insurance from A rated carriers at great commission levels. In addition to these Domestic Specialty products, IIG has also launched additional products specifically designed for the Hispanic Market, such as our Tus Brazos Hermanos repatriation product and MexEvac evacuation coverage

IIG’s automated policy administration system has revolutionized the way Mexico Auto Insurance business is conducted. Via the Internet, the system provides the following functionality and eliminates the labor intensive manual process previously associated with Mexico Tourist Auto Insurance. IIG’s focus is on helping producers to generate significant revenue in this growing niche, and also to help our producers retain key personal lines customers by offering this product as an accommodation. IIG’s websites provide the following functionality for agents and brokers:

1 Allows agents/insurers to issue policies in real time 2 Allows agents and insurers to sell directly to consumers via the agent/insurer website 3 Quotes premium(s) 4 Underwrites utilizing company guidelines 5 Offers a variety of coverage and price options 6 Assigns secure policy number at time of purchase 7 Collects premium(s) 8 Issues policy 9 Emails policy to consumer, agent, and interested third parties such as a lien holder 10 Provides customers, agents, underwriters, and claim staff 24x7 access to their account

for a variety of services 11 Retains information, allowing a new policy to be issued from a previously issued policy. 12 Real time policy look-up with the capability for immediate coverage confirmation for an

accident

The changes brought about by this technology are numerous and far reaching and they represent a win-win for all parties to the cross border transaction:

1 The point-of-sale has moved from the border to as far north as Canada and Alaska 2 Customers can conveniently purchase a policy in advance of their departure vs. having to

linger as a last minute concern when they reach the border 3 Customers can choose when to buy, 24x7 4 Insurers can instantly confirm coverage when an accident is reported, 24x7 5 Insurers have gained control, benefiting from improved underwriting results due to secure

policy number assignment and control of accounting issues, and consistently correct application of tariff and underwriting criteria

6 Provides insurers with statistical information not available in the old environment

IIG’s aggressive market orientation and efficient policy administration system have propelled IIG and its valued Producers to a 20% share of the Mexico Tourist Auto market in 10 years.

We believe that these new products will help you, our agents and distributors, to have even greater success in 2010 and beyond!

For more information about IIG, its history, or its products, please contact us today.


IIG STAFF DIRECTORY v October 09

Name Title Ext. Email Address

Basco, Pam Sr. Receptionist 110 [email protected]

Beaty, Erin Account Executive - Licensed 124 [email protected]

Callihoo, Andrew RV Sales Manager - Licensed 156 [email protected]

Galiano, Rachael Account Executive - Licensed 132 [email protected]

Garcia, Angel Account Executive - Licensed/Bilingual 128 [email protected]

Gonzalez, Debi Compliance Manager - Licensed/Bilingual 158 [email protected]

Howington, George IT Manager 110 [email protected]

Kohl, Alan Management Consultant - Licensed/Bilingual N/A [email protected]

Kartchner, Derek Business Development - Licensed/Bilingual 130 [email protected]

Labelle, Andrea Vice President - Licensed 118 [email protected]

Labelle, Jim President / CEO - Licensed 114 [email protected]

Mercer, Mike Account Executive - Licensed/Bilingual 122 [email protected]

Mangels, Jack Lead Software Engineer 110 [email protected]

McDade, Roxanna Lead Web Designer 110 [email protected]

Singer, Jennifer Accounting Assistant 126 [email protected]

Tessone, Alicia Sr. Customer Service Rep. 168 [email protected]

Waller, Katie Accounting Manager 112 [email protected]

Watson, Nate GM / COO - Licensed/Bilingual 120 [email protected]

Woods, Floyd Texas Marketing Mgr - Licensed 157 [email protected]

Phone: 888-467-4639 Fax: 928-779-7221 Email Address [email protected]


US DOMESTIC INSURANCE PRODUCTS

THE IIG EVOLUTION IIG can now place all your clients’ Specialty Personal lines needs!

Competitive Commissions 15% NEW / 10% REN


Program Highlights � Competitive Rates � Low Down Payments � Light Commercial Specialists � Up to 1 Million CSL � GVW up to 33,000 � Foreign Drivers License are

eligible

What’s in it for you? � Competitive commissions � 15% new / 10% renewal � No volume requirements � Online Rating

Underwriting Company � National Interstate Insurance

Company � A rated company � Online Rating � Low Rates � Policy Management Tools � Program available only in CA

and TX

For more information about this product visit www.specialtyinsonline.com/Commercial, register at specialtyinsonline.com or Mexicoinsuranceonline.com for one of our scheduled Webinars, contact Derek Kartchner at 888-467-4639 x 130 or email us at

[email protected].

Not interested in our commercial auto product? Take a look at one of our other specialty markets!

www.SpecialtyInsOnline.com

Recreational Vehicle Travel Trailer

Commercial Auto

Manufactured/Mobile Home Motorcycle

Watercraft Mexico Tourist Auto

Introducing: Commercial Auto Coverage


Program Highlights � Comprehensive � Personal Property � Personal Liability and med

payments � Replacement Cost � Replacement Cost for partial

losses � Additional Living Expenses � Identity Theft

What’s in it for you? � Competitive commissions � 15% new / 10% renewal � No production requirements � Online Rating

Underwriting Company � Multiple A Rated Carriers � American Modern, American

Summit, and Assurant! � Online Rating � Low Rates � Program available in all

states

For more information about this product visit www.specialtyinsonline.com/MH, register at specialtyinsonline.com or

Mexicoinsuranceonline.com for one of our scheduled Webinars, contact Derek Kartchner at 888-467-4639 x 130 or email us at [email protected].

Not interested in our Manufactured/Mobilehome Insurance product? Take a look at one of our other specialty markets!


Recreational Vehicle

Travel Trailer Commercial Auto



Introducing: Specialty Manufactured/ Mobile Home Coverage


Program Highlights � Liability � Comprehensive Collision � Replacement Cost � Accessories � Safety Apparel � Trip interruption � Roadside Assistance


Underwriting Company � Multiple A Rated Carriers � Access the American Modern

motorcycle program! � Online Rating � Low Rates � Program available in all

states

For more information about this product visit www.specialtyinsonline.com/Motorcycle, register at specialtyinsonline.com or Mexicoinsuranceonline.com for one of our scheduled Webinars, contact Derek Kartchner at 888-467-4639 x 130 or email us at

[email protected].

Not interested in our motorcycle product? Take a look at one of our other specialty markets!



Commercial Auto



Introducing: Specialty Motorcycle Coverage


Program Highlights � Diminishing Deductibles � Full Timers Coverage � Total Loss Replacement � Personal Effects � Mexico Physical Damage

endorsement


Underwriting Company � Multiple A Rated Carriers � Access National Interstate

and American Modern RV programs!

� Online Rating � Low Rates � Program available in all

states

For more information about this product visit www.specialtyinsonline.com/RV, register at specialtyinsonline.com or

Mexicoinsuranceonline.com for one of our scheduled Webinars, contact Derek Kartchner at 888-467-4639 x 130 or email us at [email protected].

Not interested in our RV product? Take a look at one of our other specialty markets!


Recreational Vehicle

Travel Trailer Commercial Auto



Introducing: Specialty Recreational Vehicle and Travel Trailer Coverage


Program Highlights � Physical Damage � Agreed Value Valuation option

for PD � Liability � Medical Payments � Trailer Physical Damage � Uninsured Boaters Coverage


Underwriting Company � Multiple A Rated Carriers � Online Rating � Low Rates � Program available in all

states

For more information about this product visit www.specialtyinsonline.com/Watercraft, register at specialtyinsonline.com or Mexicoinsuranceonline.com for one of our scheduled Webinars, contact Derek Kartchner at 888-467-4639 x 130 or email us at

[email protected].

Not interested in our watercraft product? Take a look at one of our other specialty markets!



Commercial Auto



Introducing: Specialty Watercraft and Jet Ski Coverage


MEXICO

INSURANCE

www.MexicoInsuranceOnline.com


Growing Your Agency with Mexico Insurance The US government estimates that over 88 million vehicles cross into Mexico each year. Our largest producers are located not just in the Southwest, but also in places like Illinois, Georgia, and the Pacific Northwest. How are they achieving such success? Hispanic Marketing The Hispanic population in the US has grown substantially. Many Hispanics of Mexican origin drive to Mexico often to visit friends and family. With the possibility of a guest worker program looming, this will create a greater need for this product. If you serve the Hispanic market, are you cross selling your current book? If your clients find you offer Mexico Auto Insurance, you might be surprised by the number of referrals you will receive. Our office can provide you with a bilingual online system, brochures, marketing window posters, and other materials. Other ideas for reaching this market include yellow page advertising, referrals from local consulates and employers, and specific Spanish language/Hispanic oriented newspaper advertising. Linking your web page to related sites is also an excellent way to develop traffic in this niche. Tourist Marketing When was the last time you went to Mexico? If it has been awhile or if you have never gone, you may be surprised by the progress. Both Public and Private development has increased exponentially. Many US tourists visit annually and others have purchased real estate in Mexico. How are you serving this market? With the continued development of these areas we expect continued growth. Again, yellow page marketing, referrals from local travel agencies, and tourist magazines are a great way to generate business. Linking your web page to Mexico related sites is an excellent way to develop traffic. Snowbird Marketing More and more Snowbirds are wintering in Mexico, generating higher premium with long term policies. As the Baby Boomers reach retirement this market is exploding. Adding this product to your yellow page ads and linking your web page to related sites is also an excellent way to develop traffic in this niche. Commercial Auto/Rental Fleet Marketing Thousands of US Companies do business in Mexico. We have an excellent fleet auto program for corporate owned vehicles. For rental car fleets, we have a specific system designed to aid rental fleet operators in issuing policies for their fleet. If you insure rental fleet operations, please give us a call and we will give you more information about this system.


LET US HELP YOU!! MARKETING MATERIALS!! Please visit our forms section on www.mexicoinsuranceonline.com to order the following marketing materials:

• Posters to put in your storefront

• Posters to put in local employer businesses

• Yellow Page ad samples

• Bilingual rack cards

• Banner Ads/Website marketing materials for your website Other proven marketing techniques include:

• Referrals from US auto insurance companies

• Linking to Mexico related websites

• Joining Hispanic Chambers of Commerce

• Getting involved with Snowbird clubs

• Working with Missionary clubs

• Contacting your local Mexico consulate

• Working with Expatriate groups/websites

• Advertising at Universities

How does selling Mexico Insurance help me grow my domestic business? Aside from the commission you earn on the Mexico Auto Business, you also have the ability to download Mexico customer data for the cross sell of your domestic products. From our reporting system you can download a sortable database which includes the customer’s current US domestic insurer, the ex-date of their current policy, phone number and other information. IMAGINE LEADS YOU GET PAID TO RECEIVE? While many producers offer Mexico insurance only as an accommodation to their current Personal Lines clients, other producers are significantly increasing agency revenues by marketing this product to Hispanic customers, and then cross selling the customer into the Agency’s Personal Lines products. Producers who use the Mexico Insurance product to bring clients into the agency have used cross sell opportunities to significantly increase agency revenues. Please do not lose a current customer to your competition because you do not properly market your Mexican Insurance program.

To order supplies, such as promotional posters, rack card, brochures, and terms and conditions booklets please fill out the supply order form found in the producer area at

www.mexicoinsuranceonline.com


To order supplies please fill out the supply order form found in the producer area at www.mexicoinsuranceonline.com


Sample Mexico Insurance Marketing Tool – Order Some Today!


Sample Mexico Insurance Marketing Tool (En Español)


WWW.MEXICANINSURANCEONLINE.COM SUPPLY ORDER FORM

Fax or email this form to: [email protected] or Fax 928-779-7221

Agency Name ______________________________________________ Attention ______________________________ Aff. ID______________ Address ___________________________________________________ City _______________________________________________________ State ______________________________________________________ Zip _______________________________________________________ Phone ____________________________________________________ Fax _______________________________________________________ Email _____________________________________________________

SUPPLIES QUANTITY

Marketing Posters (English/Español) ________ Marketing Rack Cards English ________ Spanish ________ Marketing Brochures in Spanish ________

ABA Terms and Conditions Booklets ________

ACE Terms and Conditions Booklets ________

GNP Terms and Conditions Booklets ________

GE Terms and Conditions Booklets ________

Qualitas Terms and Conditions Booklets ________


IIG plus Quomation makes issuing Mexico Insurance a piece of cake!

Can IIG Mexico Insurance Issuance Systems Be Made any Easier?

We at IIG are committed to

continual improvement of our

issuance systems. Our goal is

to make the issuance of

Mexico Insurance as easy and

quick a process as possible. In

2007 we launched our latest

version of our Mexico

insurance systems, which

boasted new functionality, more speed, clearer quote results, and more. However, we

have always lacked the ability to integrate our systems with single entry multiple quote

software that already contain your clients current information allowing for the

completion of quote and policy application information to be pre-populated with just a

click and bridge. However, we understand many agents use comparative rating systems

and that integration would make the issuance of Mexico Insurance even easier.

To this end, we recently inked a contract with Quomation Insurance Services. This

partnership will allow users of Quomations PowerQuote Software to quote and bridge

with IIG’s Mexico Insurance issuance system. Multiple quotes will still be available from

market leaders such as GNP, ACE Seguros, GE/HDI Seguros, and ABA Seguros. Issuance

will still be done via IIG’s systems but information from PowerQuote will be transferred

to eliminate the need to input your client’s information into the system. Can it get any

easier? IIG systems plus Quomation makes it a piece of cake.

Completion of the project is expected early 2010 (hopefully ready by January 1st for

launch). For more information about IIG’s partnership with Quomation, how to access

the program, and anything else about the partnership, please contact Derek Kartchner

at [email protected] or 1-888-467-4639 x 130.


The Mexico Tourist Auto Insurance Standard Coverage

Coverage in Mexico is available for the majority of vehicle types, including Autos, RV’s, Motorcycles, Travel Trailers, and Commercial Trailers.

Policy terms are available from one day to one year.

Breakdown of Basic Mexico Auto Coverage:

Following are the 6 basic coverages found in Standard Mexico Auto policies. Note that Mexico Auto Policies are Named Peril policies, and include some exclusions not typically found in US Personal Auto policies:

Liability and Related Coverage

Included in all policies:

1. Civil Liability - Coverage is available up to $300,000 U.S. Combined Single Limit for damages to others. It is important to note this coverage applies to claims and suits brought and adjudicated in Mexico only.

2. Guaranteed Bond and Legal Assistance - Our policies will pay to assist the insured in the event they need to deal with Authorities following a covered cause of loss.

3. Travel Assistance - Our policy includes certain types of travel assistance, including medical assistance, tourist information, vehicle towing, etc.

4. Medical Expense For Occupants - Our policy will pay the medical expenses of the driver and occupants of the vehicle in Mexico for injuries sustained in a covered loss. Coverage is available up to $25,000 CSL.

Optional Physical Damage Coverage

1. Property Damage To Your Vehicle - This coverage includes Collision, Turnover, Fire, Lightning, Explosion, and certain meteorological events among other coverage. Note that "Comprehensive" coverage as known in the U.S. is not available in Mexico.

2. Total Theft - This coverage includes Total Theft of the vehicle.

NOTE: THESE ARE BASIC COVERAGES ONLY. REFER TO PAGES 17-31 FOR ADDITIONAL COVERAGE ENDORSEMENTS WHICH OFFER YOU AND YOUR CLIENTS THE BROADEST COVERAGE AVAILABLE IN THE MARKET.


Standard Exclusions & Things to know to Avoid E&O Exposure with Mexico Auto Insurance

The following are some important differences and exceptions found in policies issued for travel in Mexico.

1} If two Americans have an accident in Mexico and wish to file a suit in the US, Mexico's policy will not respond to a liability suit brought to the US. It will only respond in Mexico. 2} Liability for bodily injury sustained by a third party (passengers) in the insured vehicle is not covered. Example: There is no coverage if passengers of the same vehicle sue each other. However, no-fault medical payments coverage for passengers is provided. 3} Damage caused by a person without a valid driver's license or under the influence of alcohol or drugs is not covered. If your insured has a valid driver's license, and is not under the influence of alcohol or drugs, our policy will provide protection. 4} Damage sustained while participating in speed trials or races is not covered. 5} Loss or damage to under-parts of the insured vehicle as a result of overloading or rough roads is not covered. 6} Pilferage or partial theft of parts and/or accessories is not covered. Theft coverage is provided only if the entire vehicle is stolen. Vandalism is also excluded. This coverage can be added back by selling your customer one of the following endorsed policies; ABA Plus, ACE Platinum, GE Premier, or GNP Deluxe or GNP Flex and Zurich Z-Mart.

7} Trailers or boats that are towed must be listed on the policy in order to be covered. If the towed units are not listed, there is no coverage for either the unlisted trailers or boats nor the towing vehicle.

8} Coverage for physical damage is not included unless it is purchased and specifically described in the policy. 9} If your customer returns to the US without an adjuster's report, coverage is void. All accidents must first be reported in Mexico. 10} Generally speaking, there are no refunds on 6 month or annual policies if cancelled more than 15 days after the effective date. Any cancellations on short term policies must be made prior to the effective date of coverage. Short term policies cannot be cancelled after the effective date. All cancellations are subject to company retention of up to the $15 policy fee.

-This information is provided to help you better understand some major points of Mexican Insurance and does not replace or amend any conditions or limitations in the policy form. Please review the policy form for full details on the conditions and limitations-


Frequently Asked Questions About Mexico Insurance

Agents and customers often have questions about what to do in certain situations. The following is a list of frequently asked questions and answers. If your question is not found here, please give us a call at 1.888.467.4639 or email us at [email protected]

Q. What other options do I have besides using a credit card?

A. In addition to issuing policies with a credit card, we also offer the option for your agency to employ the use of our Electronic Funds Transfer option allowing for agency bill. To access this great alternative simply fill out the EFT forms available at www.mexicaninsuranceonline.com/forms

Q. What is the difference between fixed and percentage deductibles?

A. FIXED DEDUCTIBLES: If you choose this option your deductibles are $500 for collision and $1000 for theft, regardless of your vehicle value. This option is required by most leasing companies and lien holders. By choosing this option your premium will increase by a few percent, but in the event of a claim you will save significant money when compared to the Percentage Deductible option offered by most typical Mexican Auto Insurance policies.

PERCENTAGE DEDUCTIBLES: This form of deductible has been customary for many years in the Mexican Tourist Auto industry. While this option reduces the premium by a few percent, in the event of a claim this option will cost you much more. If you choose to insure your vehicle using this option, the deductibles are 2% of the vehicle value for collision and 5% of the vehicle value for theft, with typical minimum deductibles of $1000 for collision and $1500 for theft.

Q. The lien holder needs the liability limit to be $100,000, how do I endorse the policy?

A. We are unable to make ANY changes to the policy that will change the premium. All premium bearing changes require that the policy be cancelled and re-written. You are able to do both the cancellation and the re-issuance of the policy by entering the “Producer Log-In” area in our main menu at www.mexicaninsuranceonline.com.

Q. Can I get coverage for a rental car in Mexico?

A. That depends. If your client is renting an American Plated Vehicle, then yes. If your client is renting a Mexican Plated Vehicle, then we cannot provide coverage for them.


Q. When I submit a quote why is it that sometimes I only get the option for liability only, and there is no option for physical damage?

A. Several reasons:

1. Mexico coverage can only mirror the coverage that you have in the states (unless you are in Mexico 6 months or more). Therefore, if you have liability only coverage in the USA or Canada, then the insured is eligible only for liability coverage, legal aid, medpay, and travel assist in Mexico.

2. Due to the high value of some vehicles the underwriter will only cover them for liability only.

3. If your Model is not found in the drop down box, and you select Other Model this forces a liability only quote. If you have a new model let us know, and we will add it to the system.

4. If your vehicle is older than 20 years, liability only coverage is all that is available.

Q. What if I have a camper or a camper shell, do I list those as towed units?

A. Yes! Anything that is not the Power unit is considered a towed unit. Adding towed units will not increase the price of the policy unless you add a dollar value for physical damage coverage. Listing all towed units is MANDATORY. In the event of a claim it will expedite the claims process and allow your client to have a more pleasant claims experience. If towed units are not listed on the policy, the entire policy will be void

You do NOT need to list towed personal belongings such as kayaks, bike racks, bicycles, canoes.

Q. What if the car is registered in my name, but someone else will be driving it (E.g. Spouse, Friend, Child, etc.)?

A. As long as they are not a Mexican National this is not a problem. Anyone with a valid driver’s license (Mexican Driver’s License excluded) and permission of the owner can drive the car.

1. If the client insists that they be listed on the policy, put the registered owners name in the first name input field, “and” in the middle name input field, and the additional driver in the Last name input field. This applies for businesses, churches, and any other situation where there must be more than one person listed on the policy.

Q. What if I do not own the car, but I have permission from my friend to take it to Mexico?

A. That is not a problem, but like lien holders, we recommend that your client get a notarized letter from the registered owner giving them permission to take their car into Mexico. This will keep them out of trouble at the border.

Q. What if the make or model is not available on the Website?

A. This could mean that it is excluded by the underwriting company, or it means that we may need to add it. Either way please give us a call so that we can take a look.

Q. What if I need to make a change to the policy?

A. If it is not a premium bearing change, you can change it by accessing reports, pulling up the policy and clicking edit. If it is a premium bearing change, you will need to cancel the policy and rewrite it.

If you have any further questions please contact us at [email protected] or 1-888-467-4639


Cancellation Procedures For Mexico Insurance

All cancellation requests MUST be made IN WRITING and MUST be received BEFORE the effective date. To email a cancellation request, please visit mexicaninsuranceonline.com, click on Contact Us and choose “cancellation” from the drop down menu. Fill out and submit the cancellation request form. The form MUST contain the policy number, reason for cancellation, and daytime contact information. To fax your cancellation, visit mexicaninsuranceonline.com and click on Producer Login. Enter your username and password and then click on Forms. You will find the cancellation request form under ‘General Forms.’ Print and complete the cancellation request form and fax it to 928-213-8476. Please note that a $7.50 cancellation fee will be applied to all daily policy cancellations. A $15.00 fee will be applied to all six-month and annual policies. All daily policies are fully earned on the effective date of coverage. Six-month and annual policies are fully earned on the 15

th day after the policy’s effective date.

Cancellations made before this date will be prorated using the underwriters corresponding “per day” rate to calculate the earned premium. Exceptions will be made to cancel a DUPLICATE policy. The request will still need to be IN WRITING; however, duplicates can be cancelled at any time and with no fee. Please allow 3-5 business days for policy cancellations and credit card refunds, if applicable.


About our Mexico Tourist Auto Underwriters We work with only Mexico’s most respected underwriters to ensure competitiveness, longevity, and to create products that will ultimately provide the insurance your customers need. Via our systems, producers have access to up to six Mexican underwriting companies. By offering a multiplicity of options, our producers can always rest assured that they are receiving the best options in the marketplace for their policyholders. IIG works closely with each of these underwriters to ensure that our producers and their policyholders have access to the best coverage at the lowest rates, and that claims are handled quickly and professionally. We consistently gather customer and producer feedback regarding claims service and coverage issues with each of our underwriters. IIG adjusts our offerings to ensure that our Producers only have access to the best products available in the marketplace. The following is more information about each of these companies, their rating and position in the market, their products, basic underwriting philosophies, and example of company specific information. If you have further questions about these companies or their products please contact our office. Although the following pages include much detail about these companies, it is not comprehensive. Please refer to the terms and conditions for more in depth coverage detail.

A. ABA Seguros Not Rated Parent company is GMAC Insurance AM Best Rating A-

B. ACE Seguros, S.A.

Not rated Parent Company is ACE-INA Holdings, Inc. AM Best Rating A+

C. GE Seguros/HDI Seguros

Not rated Parent Company is GE Financial Assurance affiliation 1996 AM Best Rating A+

D. Grupo Nacional Provincial AM Best Rating A GNP has been in business since 1901, and is the leading provider of Tourist Auto Insurance in Mexico.

F. Grupo Integra/MexVisit

Optional Roadside Assistance/Emergency Travel Assist Provider

G. Qualitas Compania de Seguros Fast growing Auto insurer in Mexico Almost $1 billion in annual premiums written Ranked #3 in Tourist Auto


Property Damage Coverage Limits as of 10/31/2009

Coverage Limits Effective ABA ACE QUALITAS GE GNP

Auto/PU/SUV 50,000 50,000 49,000 60,000 99,999

House Trailer 50,000 100,000 49,000 100,000 99,999

RV 125,000 100,000 49,000 300,000 300,000

Boat/towed 50,000 20,000 30,000 100,000 99,999

Motorcycles N/A 30,000 30,000 N/A N/A

Semi Trailers/Commercial N/A N/A N/A N/A 50,000

Max Combo Auto w/Trailer 100,000 100,000 49,000 160,000 99,999

Max Combo RV w/Trailer 100,000 100,000 49,000 400,000 300,000

Liability CSL 300,000 100,000 300,000 300,000 300,000


Program Comparison Chart Standard Coverage

ABA ACE Qualitas GE/HDI Seguros GNP

AM BEST Ranking Parent Company A Parent Company A Parent Company A Parent Company A A

Tourist Auto Ranking 9 6 2 4 1

US Parent Company GMAC Insurance ACE-INA Holdings Inc. N/A HDI-Gerling Int'l N/A

Collision

(collision, turnover, glass

breakage)

Up to the value

appearing on the

Declarations page

not to exceed

Market Value

(Subject to

deductible)

Up to the value

appearing on the

Declarations page not

to exceed Market

Value (Subject to

deductible)

Up to the value

appearing on the

Declarations page not to

exceed Market Value

(Subject to deductible)

Up to the value

appearing on the

Declarations page

not to exceed

Market Value

(Subject to

deductible)

Up to the value

appearing on the

Declarations page

not to exceed

Market Value

(Subject to

deductible)

Theft

(theft, Fire, Natural

Phenomena)

Up to the value

appearing on the

Declarations page

not to exceed

Market Value

(Subject to

deductible)

Up to the value

appearing on the


to exceed Market

Value (Subject to

deductible)

Up to the value

appearing on the


exceed Market Value


Up to the value

appearing on the

Declarations page

not to exceed

Market Value

(Subject to

deductible)

Up to the value

appearing on the

Declarations page

not to exceed

Market Value

(Subject to

deductible)

Partial Theft/Vandalism NO NO No NO NO

Fixed Deductible Option Optional Optional Optional Optional Optional

Collision Deductible

Waiver When third party

at fault

NO N0 No NO N0

Coverage for Third Party LiabilityUp to 300,000 CSL Up to 300,000 CSL Up to 300,000 CSL Up to 300,000 CSL Up to 300,000 CSL

Medical Payments 10,000/50,000 2,000/10,000 25,000 CSL 2,000/10,000 5,000/25,000

Medical Payments when

damaged by an

Uninsured Motorist

10,000/50,000 2,000/10,000 N/A 2,000/10,000 5,000/25,000

Physical Damage to car

when damaged by an

Uninsured Motorist

Up to the value

appearing on the

Declarations page

not to exceed

Market Value

(Subject to

deductible)

Up to the value

appearing on the


to exceed Market

Value (Subject to

deductible)

Up to the value

appearing on the


exceed Market Value


Up to the value

appearing on the

Declarations page

not to exceed

Market Value

(Subject to

deductible)

Up to the value

appearing on the

Declarations page

not to exceed

Market Value

(Subject to

deductible)

Legal Assist/Bail BondWill cover up to

Liability limit20,000

Will cover up to Liability

limit20,000 20,000

Roadside Assistance YES ACE Platinum Assist YES YES YES

Option to Increase the

coverage for Cost of

repair

NO NO No Guanteed US repair NO


Program Comparison Chart Endorsed Coverage

ABA Plus ACE Platinum HDI/GE Premier GNP Deluxe Qualitas VIP

AM BEST Ranking Parent Company B+ Parent Company A Parent Company A A Not Rated (yet)

Tourist Auto Ranking 9 6 4 1 2

US Parent Company GMAC Insurance ACE-INA Holdings Inc. HDI-Gerling Int'l N/A N/A

Collision

(collision, turnover, glass

breakage)

Up to the value

appearing on the

Declarations page

not to exceed Market

Value (Subject to

deductible)

Up to the value

appearing on the


exceed Market Value


Up to the value

appearing on the

Declarations page

not to exceed

Market Value

(Subject to

deductible)

Up to the value

appearing on the

Declarations page

not to exceed

Market Value

(Subject to

deductible)

Up to the value

appearing on the

Declarations page

not to exceed

Market Value

(Subject to fixed

deductible)

Theft

(theft, Fire, Natural

Phenomena)

Up to the value

appearing on the

Declarations page


Value (Subject to

deductible)

Up to the value

appearing on the


exceed Market Value


Up to the value

appearing on the

Declarations page

not to exceed

Market Value

(Subject to

deductible)

Up to the value

appearing on the

Declarations page

not to exceed

Market Value

(Subject to

deductible)

Up to the value

appearing on the

Declarations page

not to exceed

Market Value

(Subject to

deductible)

Partial Theft/Vandalism YES YES YES YES YES

Fixed Deductible Option Standard Standard Standard Standard YES

Collision Deductible

Waiver When third party

at fault

YES NO NO YES NO

Coverage for Third Party Liability$170,000 Standard 100,000/300,000/100,000 Up to 300,000 CSL $150,000 Standard Up to 300,000 CSL

Medical Payments 15,000/75,000 5,000/25,000 5,000/25,000 25,000 CSL 25,000

Medical Payments when

damaged by an

Uninsured Motorist

15,000/75,000 15,000/40,000 5,000/25,000 25,000 CSL 25,000

Physical Damage to car

when damaged by an

Uninsured Motorist

Up to the value

appearing on the

Declarations page


Value (Subject to

deductible)

Up to the value

appearing on the


exceed Market Value


Up to the value

appearing on the

Declarations page

not to exceed

Market Value

(Subject to

deductible)

Up to the value

appearing on the

Declarations page

not to exceed

Market Value

Up to the value

appearing on the

Declarations page

not to exceed

Market Value

(Subject to

deductible)

Legal Assist/Bail BondWill cover up to

Liability limit20,000 20,000 25,000

Will cover up to

Liability limit

Roadside Assistance YES ACE Platinum Assist YES YES YES

Option to Increase the

coverage for Cost of

repair

YES YES Guanteed US repair YES YES

OTHER INTERNATIONAL PRODUCTS

31

Other International Products

Northbound - RC para Estados Unidos In addition to our industry leading Southbound product, we offer a Northbound Product (RC para USA) currently in Texas and Mexico. This product is liability for Mexican plated autos that are temporarily entering the USA. The typical client is the weekend tourist; however we also offer special policies for the “temporary resident” in the worker or student. This product is underwritten by Commercial Alliance Insurance Company (aka CAIC) and they are an A rated Texas company. During 2010, we will be able to offer the CAIC NB product in AZ and possibly CA. To sell Northbound you can call Erin Beaty at 888-467-4639 x 124. For more information you can visit our Spanish NB website at www.segurosautousa.com

Worldwide Travel Medical

In addition to IIG line of Mexico Specific product, IIG also offers International travel medical coverage both in and out of Mexico. This travel medical product made available through International Medical Group and offers several different types of policies, below are some of the principal types of policies that they have. For more information about registering to sell these products, please contact IIG at 888-467-4639.

Short-Term Programs

Patriot Travel Medical Insurance®:

Medical insurance for international travelers. Covers the medical insurance needs of US citizens and foreign nationals who need temporary medical insurance while traveling for business or pleasure anywhere outside their home country. Coverage includes medical evacuation, repatriation, and your choice of deductibles and policy limits.

Patriot Executive®:

Health insurance for the traveling executive. If you travel frequently outside your home country throughout the year, don't risk finding yourself ill or injured in a foreign country. Make sure you have a plan to secure medical care and cover the associated costs. Patriot Extreme

®:

Medical insurance for international travelers. For travelers that are involved in extreme sports solely for leisure, recreation or entertainment purposes.

Long-Term/Expatriate Programs

Global Citizen: Long term, world-wide medical coverage for individuals and their families.

Student/Missionary Programs

Global Student Health: GSH is a long-term, annually-renewable, major medical insurance that provides worldwide coverage to missionaries and their families of all nationalities.

33

ITIS Web Development More Information:

The Internet is the primary source of information for insurance shoppers (click here to learn more). In Today's environment, it is more important than ever that your insurance agency, wholesale operation, or underwriting company offer your customers a website where they can quickly and easily get educated, request a service or a quote from you, and perform other insurance transactions online.

ITIS Web Development is owned and managed by insurance industry veterans. Whether you are a small or large agency, have specialty niches, or are an MGA or Carrier in need of transactional websites, ITIS offers the technology and customer service you want and need!

From hosting, to web design, Search Engine Optimization and Marketing (SEO/SEM), ongoing site management and rankings reports - we are here to serve you and ensure that your website creates income for your insurance agency. We are here to put your website at the top of the search engine queue!

www.ItIsWebDevelopment.com Our Services:

ITIS Website Design & Development Services

At ITIS Web Development we have our longstanding success as leaders in the online specialty insurance industry to show you where we can take you and your business. Our team of IT professionals has pushed our clients to the top of the search engine queues for their keywords. And, they have helped our insurance agency clients to dramatically increase sales while reducing CSR payrolls and other marketing expenses using their websites. See what we can do for you!

The professional website design experts at ITIS will create your web pages using content you provide so that we maintain the culture of your organization, while at the same time, optimizing your pages for search engine recognition. Your site will be designed using organic Search Engine Optimization (SEO) techniques that will mesh with future additions/changes.

Search Engine Optimization (SEO)

Organic Search Engine Optimization (SEO) is the single most important component that will turn your website into a revenue generating salesperson! You tell us the type of customer you want to visit your insurance agency website, and we will deliver them to you. For example, if you have a good market for Auto Dealers in Arizona, or Motorcycles in Los Angeles, you let us know and ITIS will fill up your prospect database with these leads!

Organic search engine optimization is intended to improve the volume and quality of the visitors that reach a website through organic (also called natural) search results, or improve a website’s organic rankings on a search engine. The higher a website ranks on a search engine, the more likely the person searching will visit that site. In other words, if your business relies on having potential clients find you on the World Wide Web, the best way they will find your business is through Search Engine Optimization. We DO NOT USE black-hat SEO tactics. Our search engine optimization experts employ the highest caliber SEO methods through our programs.

The ITIS Search Engine Optimization experts have worked diligently to improve site rankings for our clients with remarkable results. You could see these results yourself in the span of a few months.

Custom Programming

Many of our clients want websites that are more than just mere advertisements inviting your prospects or customers to call or email the agency via an online quote request form. We can develop custom programming to enable your website to take applications, quote, rate and underwrite, deliver policies, or any other application you desire. We can also develop online prospect management and customer service solutions which are unique to your operation.

We have a track record of building websites that quote, bind, and issue more than $ 15 million in premium per year, eliminating many of the tedious, payroll generating tasks that Producers and CSR's have often been employed to do in the past.

34

Let us give you a quote on custom programming that will increase your sales and allow your customers and your website to replace much of the work traditionally done by your payroll employees. Imagine increasing your sales, and decreasing payroll simultaneously....we have the solutions.

Website Maintenance

In addition to purchasing our web hosting product you can have the ITIS Web Developers manage your website. Our insurance web site maintenance services generally include content changes to your agency website, that are not a part of the template. Click on these links if you are interested in having us work on graphic/image design or Search Engine Optimization (SEO) for your agency.

Insurance Agency Website Hosting

Website hosting allows an insurance agency website to be accessible via the World Wide Web. The ITIS Web Developers provide web hosting with a 99.9% uptime guarantee and 24/7 server monitoring, which is above the national standards for web hosting.

Features of our web hosting service include: 750 GB of storage, email accounts, online control panel, online user statistics, spam protection, 99.9% guaranteed uptime, 24/7 server monitoring and weekly backups. Our hosting service supports the following technologies: PHP 5.0, PHP 5.1, PHP 5.2; Perl and Python, Zend Optimizer, Safe Mod off, GD library, ImageMagick, CURL, Zlib, Mod_rewrite, .htaccess, Smarty Templates, php.ini, XML, HTML, XHTML, VRML, WAP, Macromedia Shockwave and Flash, Quicktime Compatible, MPEG, MP3, PDF, FLV.

Domain Names / Domain Transfers

ITIS Web Developers provide one free website domain name, for example, www.itiswebdevelopment.com. Or, we can give you one free domain name transfer, per service package purchased by you or your insurance agency. If you wish to purchase a particular domain name, you can request it through us. Or, if you already own a domain name and wish to host it with ITIS we will transfer it to our system for free with the purchase of a website hosting account.

ITIS Professional Website Logo / Graphic Design

While some modifications to your current insurance agency logo are to be expected with the design of your new website, new logo design is catalogued under branding. A brand is a symbol, collection of symbols, images or designs that represent a person, entity or product. A logo or brand determines what people will associate with your insurance product or business. Therefore, logo design and branding are premium ITIS professional website design products.

ITISWebDevelopment.com can create a new logo and add custom graphics to your insurance agency website. Pricing varies depending on your design needs/specifications. To obtain pricing information, please call us at (866) 991-ITIS or email us by clicking here.

Google Adwords

Google's advertising platform offers both cost-per-click and cost-per-impression pricing for advertisements served on Google.com and partner sites. The ITIS Website experts have used Google cost-per-click to promote our insurance customer’s web sites for many years. We are well versed in this program. We will set up your Google Adwords Campaign and train you in how to make it work best for you.

Google Analytics

Learn more about where your visitors come from and how they interact with your insurance agency website. The information you gain will help you to strengthen your objectives, focus, advertising and turn more of your web site traffic into earnings. The ITIS Professional Website Design experts has been using Google Analytics for some time to give our customers information about how their web sites are reaching insurance clients and customers, who is looking at their websites and much, much, more. ITIS will set you up on Google Analytics and teach you how to use its many impressive features for a small price.

INTERNATIONAL INSURANCE GROUP, INC. 2010 PRODUCER GUIDE

Documents

Transcript of INTERNATIONAL INSURANCE GROUP, INC. 2010 PRODUCER GUIDE