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is an independent adviser service offering free online support about any health reform issue. OnlineNavigator is not acting as agent for any qualified health insurance marketplace and is not affiliated with any federal or state programs. This service is available online 24/7 through email and social media sites usually with same day response. See the web site for details on privacy policy and terms of service.

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Key Data:
Address: 225 TownPark Drive, Suite 350, Kennesaw, GA 30144
Phone: 800-605-2282
A.M. Best Company Rating: A+ (Superior)
Size: $750 million+ total annual premiums
Parent Company is HCC Insurance Holdings, Inc. (NYSE: HCC).
low cost health insuranceHCC Medical Insurance Services

HCC Life Insurance and HCC Medical Insurance Services L.L.C.

For more than 30 years, HCC Life Insurance Company has been an industry leader in medical stop loss and excess lines coverage. HCC Life, an Indiana domiciled insurer, has offices in Atlanta, Boston, Dallas, Indianapolis & Minneapolis. The company writes over $750 million dollars in premium annually and ranking among the largest health insurance companies in the U.S. HCC Life Insurance Company is rated 'A+' (Superior) for financial strength by A.M. Best Company ratings services. All HCC Life products are backed by the financial stability of the parent company, HCC Insurance Holdings, Inc. (NYSE: HCC). HCC has assets of $8.9 billion, shareholders’ equity of $2.7 billion and is rated AA (Very Strong) by Standard & Poor’s and AA (Very Strong) by Fitch Ratings.

In 2008 the HCC Insurance Holdings Inc. acquired MultiNational Underwriters LLC that was one of the market leaders in medical and trip insurance for international travelers.

HCC Medical Insurance Services LLC markets and administers the HCC short term medical insurance policy formerly known as Amigo Medical. This insurance offers member support in English and Spanish. Other health insurance products include Atlas Travel Series, Citizen Secure and Student Secure.  

All international plans are underwritten by Syndicate 4141 at Lloyd’s, London except for IC+ International Term Life (temporarily unavailable), which is underwritten by Syndicate 382, also at Lloyd’s. Lloyd's, the largest and oldest insurance market in the world, provides accident and health insurance to over 1,000,000 people in over 100 countries. Lloyd's currently enjoys an 'A+' (Strong) rating from Standard & Poor's and is highly qualified to protect you on your next international trip.
 
 

Comments and Reviews

October 22, 2015 - A.M. Best has affirmed the financial strength rating (FSR) of A+ (Superior) and the issuer credit ratings (ICR) of “aa” of the property/casualty members of Houston Casualty Group (HCC). Concurrently, A.M. Best has affirmed the ICR of “a” and the issue rating of “a” on $300 million 6.3% senior unsecured notes due 2019, as well as all indicative ratings under the shelf registration of the parent, HCC Insurance Holdings, Inc. (HCC Holdings) (Dover, DE)

June 9, 2015 - HCC Life Insurance Company and Tokio Marine Holdings, Inc. have entered into an agreement whereby Tokio Marine will purchase all outstanding shares of HCC for $7.5 billion in an all-cash transaction. This is a 38% premium to yesterday's closing stock price for HCC.

March 25, 2014 - Fitch Ratings has affirmed the ratings of HCC Insurance Holdings, Inc. including the senior debt rating at 'A'. Fitch has also affirmed the Insurer Financial Strength (IFS) ratings of HCC's operating subsidiaries at 'AA'. Fitch's ratings reflect HCC's favorable niche in the specialty insurance markets, conservative capitalization, consistent and disciplined underwriting practices, and moderate financial leverage.

November 13, 2012 -  The company's address changes from Suite 145 to Suite 350 in Kennesaw GA. Please update your records.

September 26, 2012 - A.M. Best Company affirmed the Financial Strength Rating of A+ (Superior) of HCC Life Insurance Company (HCC Life). The outlook for the above rating is stable.

August 10, 2011 - A. M. Best Company reaffirmed its rating of A+ for HCC Life Insurance Company.

October 15, 2010 - Today A.M. Best Company affirmed the Financial Strength Rating of A+ (Superior) for HCC Life Insurance Company. This rating reflect HCC’s sustained profitability, strong capitalization, as well as the low financial leverage and substantial financial flexibility. HCC’s business strategies have focused on a conservative investment strategy and on underwriting within defined specialty lines, effective utilization of affiliated underwriting agencies/insurance intermediaries and the optimal utilization of reinsurance protection. These strategies have helped produce consistently increasing operating profits in recent years despite challenging market conditions. The ratings also acknowledge HCC’s near-term earnings prospects and its strong position in the specialty insurance markets.

News

9/12/2013 Health Insurance Innovations, Inc.  reported a growth in premiums of about 32% and a growth in revenues of 37% over prior year. Chief executive officer Michael Kosloske explained "we have enhanced our core operations with the introduction of innovative insurance solutions like our short-term medical product launched in cooperation with carrier HCC Life Insurance Company and have continued to grow higher-margin ancillary policy revenues through ancillary product enhancements and bundling of core medical and ancillary products". By using the call center to efficiently generate leads and sell multiple products, the sales process became more efficient.

7/27/2012 HCCMIS has launched a new web campaign that will offer missionaries advice on preparing for their missionary trip, as well as offer travel insurance options catered specifically to missionaries. Whether the service trip is based within a religious group, or a non-profit organization like Doctors without Borders, the website will provide helpful information to help ensure the trip is successful. "Accidents can happen anytime, including on mission trips," said Mark Carney, CEO of HCCMIS. "By offering helpful preparatory advice, as well as insurance coverage from our Atlas Travel Insurance plans, missionaries can rest easy and focus on the goals of their trip." The new missionary travel website offers a variety of insurance options available to travelers through Atlas Travel Insurance, as well as helpful advice on acclimating to a new country, tips on packing for extended trips, and the top destinations for mission trips.

7/1/2011 HCC Insurance Holdings Inc. announced today that it is combining operations with its subsidiary for the purpose of strengthening position in self-funded health plans. The entire announcement is posted on the Consumer-Driven Health Plan blog.

2/11/2010 HCC Life Insurance company announced today that its short term medical insurance will now be sold by Ehealth in 41 states. The move is expected to increase the market share and name recognition of this brand of short term major medical insurance.

11/19/2009 Mark Carney, CEO of HCC Medical Insurance Services is quoted in a press release today "While some of our competitors were bailed out by the U.S. government, Forbes [Magazine] was touting our parent company, HCC Insurance Holdings, Inc., as one of the five insurance companies best positioned to break out of the recession. In support of HCC's commitment to strong financial performance, we are looking to social media to reduce our operational costs, while maintaining strong customer relationships".

10/8/2009 "Amigo Medical Insurance" was a well-known and reputable brand name in short term medical insurance for Spanish-speaking residents of the U.S. The product name was recently changed to "HCC Life Insurance Short Term Medical Insurance". This was covered in more detail on the Universal Health Insurance blog.

11/17/2009 After recent changes HCC Medical Insurance Services s poised to use social medical to directly recruit new insurance agents. A new promotion helps newly-contracted agents find new clients by offering free sales leads. Part of the promotion encourages agents to post on the HCC corporate Twitter account what this great new change at HCCMIS to receive 20 contact leads to sell the HCC Life Short Term Medical policy. (Freedom Benefits does not endorse the contact of individuals for the purpose of soliciting insurance sales nor the paid solicitation of social media comments. We do not participate in these promotions).

10/31/2009 HCC Medical Insurance Services LLC announced an affiliation with Travel Insured International

9/8/2009 "Amigo Medical" insurance was changed to "HCC Short Term Medical Insurance"

 

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This web site is independently owned and managed by Tony Novak operating under the trademarks "Freedom Benefits", "OnlineAdviser" and "OnlineNavigator". Opinions expressed are the sole responsibility of the author and do not represent the opinion of any other person, company or entity mentioned. Tony Novak is not an agent, broker, producer or navigator for any federal or state health insurance exchange but may provide uncompensated advice, reviews and referrals to these official resources. Novak is compensated as an accountant, adviser, affiliate consultant, marketer, reviewer, endorser, producer, lead generator or referrer to some of the other commercial companies listed on this site. Information is from sources believed to be reliable but cannot be guaranteed.