Question 1

What exactly does DEI / ActiveGuard cover?

Accepted Answer

DEI and ActiveGuard provide AD&D (Accidental Death & Dismemberment) plus an Accident Medical Rider. This covers slips, falls, and accidental injuries that happen on your premises during the coverage window. Coverage is underwritten by AIG or Mutual of Omaha.

Question 2

What is the difference between DEI and ActiveGuard?

Accepted Answer

DEI is per-visit coverage for drop-in customers, event attendees, and single-visit guests. ActiveGuard is monthly recurring coverage for members who visit regularly. Many businesses offer both: DEI for drop-ins, ActiveGuard for members.

Question 3

Who is the insurance carrier?

Accepted Answer

AIG (American International Group) and Mutual of Omaha are the insurance carrier partners. All DEI and ActiveGuard policies are underwritten by AIG or Mutual of Omaha. HIQOR is the platform distributor handling technology, activation, and partner experience.

Question 4

How do I earn money as a partner?

Accepted Answer

Coverage is mandatory for every person who walks in the door at $5–$10 per person. You earn commission on every covered visitor. Revenue is predictable and tied directly to your foot traffic.

Question 5

How much can I realistically earn?

Accepted Answer

A small location with 500 visitors/month generates $2,500–$5,000/month. A medium location with 2,000 visitors/month generates $10,000–$20,000/month. ActiveGuard monthly recurring at scale (10,000 active members) generates approximately $1.2 million in annual recurring revenue.

Question 6

Is there an upfront cost?

Accepted Answer

No upfront cost. Coverage is $5–$10 per person and is mandatory for every visitor. There is no lock-in contract and no hardware or software investment needed.

Question 7

How long does setup take?

Accepted Answer

Setup takes approximately 10 minutes. We connect to your existing check-in or booking system. Coverage activates automatically when customers arrive and deactivates when they leave.

Question 8

Do I handle claims?

Accepted Answer

No. You do not handle claims, underwriting, or policy management. If a customer has an incident, they file a claim directly through the ActiveGuard system or their digital coverage card. The carrier (AIG or Mutual of Omaha) handles all claims processing.

Frequently Asked Questions

Product & Coverage

Revenue & Earnings

Setup & Integration

Operations & Claims

Legal & Compliance

Still Have Questions?

Frequently Asked Questions

Product & Coverage

Revenue & Earnings

Setup & Integration

Operations & Claims

Legal & Compliance

Still Have Questions?

Frequently Asked Questions

Product & Coverage

What exactly does DEI / ActiveGuard cover?

What is the difference between DEI and ActiveGuard?

Who is the insurance carrier?

What injuries are NOT covered?

How does time-bound activation work?

Revenue & Earnings

How do I earn money as a partner?

What is the carrier-funded acquisition program?

How much can I realistically earn?

When and how do I get paid?

Can I earn from both DEI and ActiveGuard?

Setup & Integration

How long does setup take?

Do I need special hardware or software?

Is there an upfront cost?

Can I white-label the coverage for my brand?

Operations & Claims

Do I handle claims?

What happens when a customer gets injured at my location?

What data is shared with the insurance carrier?

How do I track coverage and revenue?

Legal & Compliance

Does implementing DEI or ActiveGuard increase my liability?

Should I keep my existing business liability insurance?

Do I need an insurance license to offer this?

Should I still use liability waivers?

Still Have Questions?

Frequently Asked Questions

Product & Coverage

What exactly does DEI / ActiveGuard cover?

What is the difference between DEI and ActiveGuard?

Who is the insurance carrier?

What injuries are NOT covered?

How does time-bound activation work?

Revenue & Earnings

How do I earn money as a partner?

What is the carrier-funded acquisition program?

How much can I realistically earn?

When and how do I get paid?

Can I earn from both DEI and ActiveGuard?

Setup & Integration

How long does setup take?

Do I need special hardware or software?

Is there an upfront cost?

Can I white-label the coverage for my brand?

Operations & Claims

Do I handle claims?

What happens when a customer gets injured at my location?

What data is shared with the insurance carrier?

How do I track coverage and revenue?

Legal & Compliance

Does implementing DEI or ActiveGuard increase my liability?

Should I keep my existing business liability insurance?

Do I need an insurance license to offer this?

Should I still use liability waivers?

Still Have Questions?