Polar IQ...Intelligent Insurance


Better Solutions, Better Service.

Our conceptual innovations fuel dramatics changes in your insurance strategies and benefits programs.  We help save clients’ money where other agencies and benefits companies have failed.

-- Extraordinary Service --

-- Health insurance savings --

-- Dynamic, unique, custom tailored Solutions --

-- Guarantee Savings Solutions --

 We reduce your costs; enhance your employee benefits.


paradigm. shifted.




Consulting Practices

Every detail is covered through our SPD sourcing, cost containment strategies and risk mitigation.  Plan sponsors are protected through CRA, CRF, RAM monitoring and our fully engaged management processes. 

Fueling change,
...human powered
...containing costs

Strategic Design

Intensive review of current policies and component building of plan documents. 

Risk Analysis

Risk Factor Reduction uses active claim review and extensive utilization studies to target financial risk and reduce fiduciary liability.

High Level Solutions

  • Subrogation
  • Actuarial Analysis
  • Reserve Funding calculations & management


Every solution is custom-tailored for each client.  We can help save you money and reduce your benefits costs in whichever arrangement best fits your personal corporate profile. 

  • STOP LOSS SOLUTIONS:  We offer enhanced competitive marketplace options through endorsed carriers to meet quality and liability standards.   
  • STOP LOSS ADVANTAGE:  We can provide discounted stop loss rates with claims-cost suppression arrangements.
  • IN-HOUSE COUNSEL:  Our industry expertise can provide oversight to buttress your Finance  & HR teams, giving you access to leading edge solutions through independent counsel.
  • FIVE STAR:  Dramatic cost containment can be created through our extensive, full depth services.  Working the whole spectrum of your benefits plan, we can fully optimize the benefits value to your employees while streamlining every cost component of your plan.  Our fully-bundled services present our full arsenal of design, technology and partnership solutions to maximize your investment and give you a highly efficient and fiscally responsible benefits package.

All rights reserved.   Copyright 2013-2017 PolarIQ.  Call us at 907-644-4947.