Independence Holding Company provides life and health insurance products in the United States, the District of Columbia, the Virgin Islands, and Puerto Rico. The company’s products include medical stop-loss insurance that provides coverage to public and private entities, which elect to self-insure their employees' medical coverage; group major medical insurance products; and dental products that include indemnity and preferred provider organization plans for employer groups of two or more lives, and for individuals within affinity groups. It also offers vision plans that offer a flat reimbursement amount for exams and materials; short-term medical products for people with temporary needs for health coverage; supplemental products comprising fixed indemnity limited benefit, critical illness, hospital indemnity, accident medical coverage, and life insurance products; pet insurance products; and occupational accident insurance products. In addition, the company provides group long-term and short-term disability products to employers that provide benefit to their employees; New York short-term disability plan that offers temporary cash payments to replace wages lost; group term life products, including group term life, accidental death and dismemberment (AD&D), supplemental life and supplemental AD&D, and dependent life products; and individual life, annuities, and other insurance products, as well as reinsurance. It markets its products through independent and affiliated brokers, producers, and agents, as well as through company-owned Websites. The company was founded in 1980 and is headquartered in Stamford, Connecticut. Independence Holding Company is a subsidiary of Geneve Corporation.