Results of insurance-buying advantages

When it comes to buying group insurance, large groups receive lower rates that are more stable and less likely to change than smaller groups.  That's because large groups aren't likely to have an abnormal number of claims. However, rates for small groups tend to be higher because they have to allow for the possibility of unusually high claims. 

The Municipal PoolWhat is this Municipal Pool?The Municipal Pool gives small and medium sized municipal organizations the same insurance buying advantages enjoyed by large cities and companies. Click on the title to read more!Pooling of MunicipalitiesThe Municipal Pool brings separate small and medium sized municipal groups together to form one large group able to command attractive rates. Click above to learn more.Results of insurance-buying advantagesWhen it comes to buying group insurance, large groups receive lower rates that are more stable and less likely to change than smaller groups. Click the title to find out why.Formed in 1955Ochs, Inc. was founded in 1943 to provide employee benefits to municipal groups and in 1955 formed The Municipal Pool to specifically serve the needs of our smaller clients. Ochs, Inc. has over 65 years of experience in the public sector and is the exclusive administrator of the Municipal Pool!Includes Over 300 Public EntitiesThe Municipal Pool includes cities, townships, counties, utilities, hospitals, school districts and others serving over 40,000 employees. The Municipal Pool’s group buying power provides affordable coverage for employees and their families. Reliable & Affordable Life Insurance ContractsThe vast majority of the Ochs, Inc. clients participate in group life insurance through The Municipal Pool which is underwritten by Minnesota Life. Click on the title for more information.Enhanced Plan Designs for Voluntary LTDAssurant Employee Benefits offers The Municipal Pool unique plan design enhancements at discounted prices that apply to voluntary long term disability plans. Click on the title to learn more!A True Group Long Term Care PlanThe Municipal Pool Long Term Care Plan through CNA provides employers the opportunity to offer a true group long term care plan to their employees. Read on for more information.How Can We Join?Ochs, Inc. is the exclusive administrator of The Municipal Pool. Click on the title for contact information.