Debi Summerlin, vice president of insurance lines and Janice Nieman, director of technical product support

• Custom Product Development

• Filing and Fulfillment of 
  Custom Forms & Manuals

"Debi Summerlin was a tremendous sounding board as she and her staff guided American Equine Insurance Group through the creation of our Equestrian Homeowners Ranch & Estate program.

"The project managers at AEIG, starting with AAIS base products, worked with Debi, who created a custom policy that combines personal, commercial and inland marine coverages. This product, which spans risks from simple mobile homes to a substantial country estate, will rival, if not surpass, the competition in the Equine property market.

"Debi was excellent at meeting our objectives and time frames. Her work, and that of the entire AAIS staff on our project, was first class."

--Douglas Panhorst
Vice President
American Equine Insurance Group
Elgin, Ill.

Successful companies today are adapting standard products to meet specific market needs. AAIS is uniquely well-suited to be your partner in developing custom programs.

Custom Product Development

Companies can use the experienced product specialists who create and maintain AAIS programs to develop their own variations of AAIS forms, rules, and rating information. (For custom product pricing support, see Actuarial Services.)

As a starting point, we offer more than 20 comprehensive programs that we can use as platforms for building your custom programs. Drawing on thousands of electronic product files available through those programs, our experienced and knowledgeable product development staff is ready to--

• Research alternatives for writing and structuring coverages

• Consult on and develop custom program features, including:
  Rules--modify eligibility, classifications, or coverage options
  Forms--add, delete, or restrict coverages; revise internal limits
  Rating--modify rating information to reflect experience, goals, and coverage changes

• Review final products

• Produce final products

• Produce final versions of forms and manuals in paper or electronic format

• Create side-by-side comparisons of company forms with other forms to identify coverage differences

• Develop disclosure notices

Filing and Fulfillment
of Custom Forms and Manuals

Once a custom program is developed, AAIS filings specialists are prepared to seek approval of it where necessary in the quickest, most efficient manner.

Acting as your filings team, they will--

• Prepare all filing forms (or electronic filings) and determine all filing fees

• Monitor the entire filing process, maintaining regular communication with regulators and your staff

• Draw on their experience from negotiating the original program approval to handle questions or objections regarding your customized product

For more on AAIS's filings service, see Filings and Compliance.

All the while, the company that uses AAIS to develop its custom product can rest assured that its custom forms and manuals are being formatted and proofread by the same operations specialists that produced the AAIS forms and manuals. Their knowledge of the proper structure and content of materials makes them well-prepared to "dot the i's" and "cross the t's," and avoid costly oversights that might arise with people unfamiliar with insurance product development.

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