Ternian^® Insurance Group LLC was formed in April 2007.

Ternian was founded to push the expansion of the health care consumerism movement into the voluntary benefits marketplace, realizing that one size does not fit all for the insurance coverage needs of uninsured and underinsured individuals. By exposing coverage gaps across the spectrum of existing health care products and services, Ternian looks to complement existing employee benefit plans in the voluntary marketplace. The focus is to provide uninsured and underinsured employees with more choice, consumer-driven information, and a broader range of value-based, quality, affordable options.

Prior to forming Ternian, the partners were most recently involved in the start-up, development, executive management, and eventual sale of a Phoenix, Arizona based company, Star HRG. Star was a Managing General Underwriter which designed, marketed, and administered limited-benefit medical (mini-med) and other employee benefit plans beginning in 1989. The founders of Ternian helped to pioneer the concept of limited-benefit medical plans while leading Star to become the premier provider in the industry.

• Over 1,000 employer group clients (including 2 dozen Fortune 500 companies)
• Insured millions of individuals
• Distributed through captive sales force and 700 appointed brokers/consultants
• Leading provider in the limited-benefit medical marketplace

A National health insurance carrier, CIGNA HealthCare acquired Star HRG in July 2006 and continues to offer the products under the original product brand name (Starbridge), and maintains the service operations through their newly formed Voluntary Segment. The now founding partners of Ternian Insurance Group assisted with the integration of the two companies and ended their employment with the new carrier in early 2007.

To view Management Team Bio’s (click here).

Note: Ternian Insurance Group LLC, its founders, employees, products and/or services are not affiliated with CIGNA HealthCare, CIGNA Voluntary, Star HRG and any of its products and/or services in any way. CIGNA HealthCare, CIGNA Voluntary, Star HRG and Starbridge are registered trademarks of CIGNA Corporation - Philadelphia, PA.