Reliance Matrix - SmartChoice® Small Group Insurance Products

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PRISM - Health Net is Now Available Through Claremont!

Why Choose Health Net?
✔ Lowest rates in the market – Affordable options without compromising quality.
✔ Robust PPO network – Competes with major carriers like Anthem and Blue Shield.
✔ Flexible HMO options – Networks to fit nearly every group statewide and every budget.
✔ Simplified underwriting – Only 25% participation required for groups with 5+ enrolling. No DE9C or prior carrier bill needed.
✔ Easy-to-sell benefits – $0 deductible HMO plans + four years of rate stability.
✔ Nationwide coverage – Cigna network access for out-of-state employees + state plurality rules for group qualification.

Start Including Health Net in Your Quotes Today!
Need guidance on networks, plan designs, or have questions? We’re here to help!

Call us at 800.696.4543 | Email us at info@claremontcompanies.com

Reliance Matrix – SmartChoice® Small Group Insurance Products

Mar 24, 2025, 2 Minute Read

Small businesses need insurance solutions that are straightforward, flexible, and affordable. Reliance Matrix’s SmartChoice® program delivers exactly that, with comprehensive options designed specifically for groups with 2 to 19 employees.

Coverage Options

Short-Term Disability (STD): Weekly maximum benefit of $1,500, multiple benefit percentage options, and pre-existing condition benefit.
Long-Term Disability (LTD): Monthly maximum benefits up to $7,500 ($10,000 for select industries), 60% benefit percentage, 60, 90, and 180-day elimination periods, “Own Occupation” definition of disability – 36 months (60 months for select industries), pre-existing condition benefit, and rehabilitation and survivor benefits.
Life/AD&D: Guaranteed issue amounts from $50,000 to $100,000 depending on group size, maximum benefits of $200,000. All plans offer an equal amount of Life/AD&D.
Dental/Eye Care: Three comprehensive dental plans with PPO options, adult/child orthodontia coverage, and eye care option.
Critical Illness: Three plan design options with coverage up to $20,000 maximum. Three illness categories, subsequent occurence benefit, recurrence benefit, and lifetime maximum of 200% to optimize health and supplemental coverages.
Accident: Guaranteed issue coverage, three plan design options, 24-hour or non-occupational coverage available, and AD&D coverage can be included. Helps with high-deductible healh plan coverage.

Key Features

No employee age restrictions.
Husband/wife and 100% family groups are eligible.
No minimum premium requirements.
Flexible payment options (100% employer or employee paid at the same rates).
Class carve-outs available on all products.
Guaranteed issue for all products.
No employee applications required (list enrollment).
Products sold on a standalone basis.

Exceptional Dental Network

SmartChoice’s dental coverage uses the Ameritas Classic PPO network, one of the nation’s largest dental networks with:

134,000+ unique providers, 91,500+ unique locations, and 605,000+ access points.
Freedom to visit any dentist, including current providers.
25-50% discount when using network providers.
No paperwork when visiting in-network providers.
Coverage that extends to dental providers in Mexico.

Broker Bonus Program

The 2025 SmartChoice Premier Producer Program offers additional earning potential:

New Business Tiers: Earn 2.5% to 4.0% of new earned premium based on coverage volume.
Renewal Business Tiers: Earn 1.5% to 3.0% of earned premium based on case persistency.

These bonuses are paid in addition to standard commissions of 10-15% first-year and 10% renewal commissions across all product lines, creating significant earning potential for brokers who grow and maintain their SmartChoice book of business.

Why SmartChoice

For small businesses looking for comprehensive, flexible insurance coverage, SmartChoice delivers value without complexity. The program combines essential protections with administrative simplicity, making it easy for both employers and employees to get the coverage they need.

To learn more, view these resources:

Contact us today for a Reliance Matrix quote and take advantage of the bonus program.

Get a Quote

Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.

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