Inter-Americas Insurance Corporation
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Verified official producer-facing guidance is limited. The carrier’s agent page currently functions more as a portal than a formal appetite guide and specifically shows Agent Tools for Private Passenger Auto Insurance with a CUIC Quoter Demo link, indicating active agent access/support for private passenger auto quoting. Elsewhere on the official site, Inter-Americas presents broader product offerings for individuals, groups, and financial institutions/dealers rather than a conventional underwriting appetite bulletin. Published preferred/target business appears to include private passenger auto; financial institution/dealer business needing credit-related protection; association/group life and disability offerings; and TPA-supported life/health administration services. For lender/dealer programs, the site emphasizes ancillary credit products for amortized loans and lease transactions, especially larger loans, loans that exceed traditional credit insurance limits, transient borrowers, and truck-driver risks. Specific product positioning includes Ultra Protection for loans beyond standard credit life/disability limits; Turbo Protection/Turbo Protection Plus for dealership or financial-institution customers, especially transient customers and truck drivers; InstaLife 3+ as a low-outlay debt protection option; Flex Term for larger loans and especially mortgages; and collateral protection with options such as blanket or occasional coverage, tracking-only, Mexico coverage, repossession expense allowance, mechanics lien protection, guaranteed issue to the borrower, skip coverage, and ACV settlement support. Underwriting/practical submission notes published on product pages include simple medical applications, quick or no underwriting on certain ancillary credit products, use of a Good Health Statement and height/weight criteria for Turbo Protection, and medical-exam escalation for higher Flex Term limits up to $2,000,000. Geographic guidance is broad rather than state-specific: multiple product pages state that some restrictions apply and that products are not available in all states. No formal declined-class list, prohibited exposures list, minimum premiums, or broker submission checklist was found on verified official pages. Producer/broker instruction currently visible is mainly to use the Agents page and CUIC Quoter resources for private passenger auto, and to contact the Wichita, Kansas office for support; for other lines, submissions likely require direct inquiry because no detailed online broker manual or appetite matrix was located.