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5/13/2010 3:04:00 AM
Small Business Health Insurance Credit Info
Companies with less than 25 employees who provide employer sponsored health insurance plans may be eligible for tax credits of up to 35% of the...

Pacific Life

Backed by over fifty years of group insurance experience, Pacific Life & Annuity Company has expanded its capabilities to include a wide range of products including variable life insurance, annuities, structured settlement annuities, and institutional and investment products and services. Today, Pacific Life & Annuity helps plan sponsors provide protection to more than one million individuals through its group life, health, and stop loss contracts. As a multi-line insurance and investment company, with a demonstrated commitment to providing financial protection and outstanding service, Pacific Life & Annuity will now be able to help individuals and businesses reach their most important financial goals.

Pacific Life & Annuity's Group Insurance Division is a leader in providing employee benefit products to plan sponsors located across the nation. The Division offers fully-insured group products to small and mid-sized employers, including a wide range of employer-paid and voluntary life and health products. Stop loss coverage is offered to self-funded employers with 100 or more employees, and is distributed through a network of independent Third Party Administrators. Both fully-insured programs and stop loss contracts are offered to labor-management and union trusts. Group Insurance Division products are not offered in New York.

Pacific Life & Annuity is rated A++ (superior) by A.M. Best, AA+ (very strong) by Standard & Poor's, AA+ (very strong) by Fitch, and Aa3 (excellent) by Moody's for financial strength.

HEALTH PLANS

Pacific Life & Annuity's group health plans are specifically designed to meet the insurance needs of employers and their employees. Plan availability and benefits may vary by geographic area.

Pacific Life & Annuity's medical products include:

Medical and prescription drug insurance plans
- Preferred Provider Organization (PPO) Plans
- Optional benefits with medical plans
  - Maternity
  - Supplemental Accident
Optional Dental Insurance for groups with medical coverage; stand-alone plans available for groups with 5 or more covered employees
Optional Life Insurance and AD&Dptional Short Term Disability
Optional Short Term Disability

Plan Availability - PPO plans with 100% to 50% coinsurance. H Point of service plans. Dental, life insurance, Short term disability.