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Covala Group is a proven enroller and administrator of voluntary, supplemental individual disability benefits for large employers. Since 1993 we have connected employees of our clients to over $4.5 billion of income protection. We have also assisted Fortune 500 companies in the development and implementation of group life insurance, corporate owned life insurance, and long term care programs. Our name, Covala, was inspired by the covalent bond, the strongest type of chemical bond there is. Covala embodies our dedication to forming powerful bonds with our clients and plan participants — connecting them to the benefits they need and the service they deserve.

SASid = Smart and Simple insurance development. Building, Marketing, and Administrating niche life and health insurance products which help people. Simple to understand, quote, and purchase. Smart to have. Need more? We are known primarily for these things: Building the best health and life insurance products which help people and generate consistent revenue. Developed for broker distribution. * Core Health Insurance Limited Medical Indemnity Insurance -www.corehealthinsurance.com * Smart Short Term Medical Insurance www.sasidplans.com * SASid Partner Login which provides transparency reporting to partners. Building exclusive health and life insurance plans for Affinity groups which add member value: * National Association of Realtors - www.RealtorsInsuranceMarketplace.com Low cost. Incredibly efficient. Simple to understand, quote, & purchase. Smart to have. Team: SASid is comprised of highly trained, educated, and energetic people with positive attitudes. We strive hard to hire and develop a culture that is exciting, fun, and eager to grow. Everyone who works at SASid is compensated, recognized and rewarded based on individual and company results.

Innovative Underwriters (IU) is a full service brokerage general agency and a wholly owned subsidiary of the Guardian Life Insurance Company of America (Guardian). IU knows that Guardian Financial Representatives and Brokers work to provide the best possible solutions for their clients. In some instances, this means considering other products to do what is best to help clients achieve their financial goals. Building Success - IU works to find competitive solutions for your clients to help fill the gaps in their financial portfolio using the products and services from over 30 companies. As part of the Guardian family, IU upholds the same high standards and will work will you closely to assure your clients get the coverage they need. Call today to discuss your case with Innovative Underwriters - 800.446.7872 Innovative Underwriters is a wholly-owned subsidiary of The Guardian Life Insurance Company of America New York, NY 10001. Carriers listed are independent of and unaffiliated with Guardian. 2024-167480 exp 1/26