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 site shows limited public underwriting/appetite detail and no broad commercial P&C appetite guide. Producer-facing content is centered on an Agents page with agent tools/forms and a private passenger auto section. Publicly described target business includes: (1) financial institutions and dealerships needing credit-related products; (2) associations, banks, and credit unions for group AD&D/universal life offerings; and (3) consumers for individual life, annuity, disability income, and auto products. For dealer/financial institution business, preferred placements appear to be ancillary credit and collateral protection programs. Ancillary credit products are positioned for amortized loans and lease transactions, including loans that exceed traditional credit insurance term limitations, higher-balance loans, transient borrowers such as truck drivers, and mortgage/large-loan life products. Published features include simple medical applications, quick or no underwriting on certain products, critical period disability options, and limits generally up to $150,000, with Flex Term indicating up to $2,000,000 with a medical exam. Collateral protection is marketed for blanket, occasional, insurance-tracking-only, or in-house programs, with options such as mechanics lien protection, Mexico coverage, lender waiver, repossession expense allowance, skip coverage, and ACV settlement to the borrower. Group affinity business publicly highlighted includes AD&D sold through banks, credit unions, and associations, with sponsor-paid base benefits and member buy-up options up to $500,000. Geographic guidance publicly posted is limited, but multiple product pages state that some restrictions apply and products are not available in all states; collateral protection specifically notes Mexico coverage as an available feature. Restricted/declined classes are not expressly published in a formal appetite guide, but practical limitations can be inferred: products are narrowly oriented to consumer/credit, lender/dealer, association, and affinity life-health risks rather than broad commercial lines, and several offerings depend on borrower eligibility items such as good health statements, height/weight fit, or medical exam thresholds. Submission/producer notes available publicly are light: the Agents area references forms/links and private passenger auto agent tools; product pages consistently direct agents/producers to contact IAI, and operational servicing is supported by TPA capabilities including life and health underwriting, claims adjudication, premium billing, COBRA/HIPAA administration, PPO/network and managed care support, and stop loss reinsurance services. No standalone public broker appetite bulletin, class-by-class decline list, or detailed submission checklist was verified on the official site, so outreach to the carrier is likely required for current state availability, appointment, forms, and underwriting authority details.