across the United States. With a focus on niche markets, such as the self-employed and small business owners, IHC offers a range of products including dental, disability, and short-term medical insurance. The company operates through its subsidiaries, including Independence American Insurance Company and Standard Security Life Insurance Company of New York. In recent years, IHC has expanded its offerings to include pet insurance through its subsidiary, PetPartners. While it faces competition from larger insurance companies, IHC's focus on specialized markets has allowed it to carve out a unique position in the industry.