Independence Holding Company (IHC), operating through its various subsidiaries, is active in the health, pet, and life insurance sectors. The company's extensive product range includes dental coverage, offering both indemnity and PPO plans for individuals and employer groups with two or more employees. It also provides vision plans that issue a fixed reimbursement for eye exams and materials, alongside short-term medical solutions for those requiring temporary health protection. IHC further offers a variety of supplemental insurance policies, such as hospital indemnity, fixed indemnity with limited benefits, critical illness, accident medical coverage, and life insurance. Pet insurance is another key offering. For workplace incidents, the company provides specialized occupational accident insurance products, which deliver benefits for accidental death, disability, and medical expenses arising from work-related injuries. Additionally, Independence Holding Company furnishes employers with group long-term and short-term disability insurance, alongside a specific New York short-term disability plan designed to provide temporary wage replacement. Its group term life portfolio encompasses standard group term life, accidental death and dismemberment (AD&D), supplemental life and AD&D, and dependent life products. The company also deals in Medicare supplements and advantage plans, employer group and individual insurance programs (including self-funded options), and Affordable Care Act (ACA) plans. IHC distributes its comprehensive suite of products via a network of general agents, independent brokers, and independent producers. Established in 1980, the company is headquartered in Stamford, Connecticut.