The insurance needs of your members may vary greatly depending on many societal and economic factors. We offer a variety of innovative insurance programs for your association, at no cost or administrative burden to you. We will assist you in developing an insurance program that will be a desired resource by all of your members. The unique marketing strategies we implement will allow your members to take advantage of relevant insurance products, many of which have discounted rates.

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Auto, Home, and Renters Insurance
This program allows your members to secure auto, home, and renters insurance at discounted rates not available to the general public. These are products that most of your members are required to have either by law or to satisfy loan requirements on their home. Other personal insurance products are available and include coverage for: seasonal or secondary homes, flood, rental dwellings, umbrella liability, valuable articles and recreational vehicles.
Health Insurance
Short Term Medical
Short Term Medical (STM) Insurance is health insurance that is purchased for a limited period of time at a reasonable price. Members can choose the policy period given their specific situation. STM is commonly purchased by: recent college graduates, students not eligible for coverage under their parent’s policy, individuals between jobs, part-time or seasonal employees, unemployed individuals, retirees not yet eligible for Medicare, those looking for a lower cost alternative to COBRA, and newly employed individuals waiting to be eligible for group coverage.
Student Medical
Student Medical is available to current undergraduate and graduate students. Students typically consider coverage if: coverage is no longer afforded under a parental policy, a college sponsored plan is inadequate, traditional health insurance products are too expensive, or a student attends school outside their parental policy's territory.
Permanent Medical
Permanent Medical is for members who need long-term protection and comprehensive medical coverage for a period of usually more than 6 months. Plans can be customized depending on the level of coverage desired. Members typically consider coverage if: they work full-time and do not receive health coverage from their employer, they own their own business or work as an independent contractor, Short Term Medical is not available in the state they live in, or they need more comprehensive coverage than Short Term Medical offers.
Long Term Care
Long Term Care (LTC) Insurance is designed to cover the cost of long-term health care for members who have a condition that prevents them from functioning on their own. LTC is considered an important part of a retirement plan because it transfers a member's financial risk to an insurance company. Members can have access to the health care they need without experiencing major depletion of financial assets.
Disability Income
Disability Income Insurance protects a member in the event that person is unable to work due to an illness or accident. The insurance pays a portion of their wages when they cannot work because of a long-term disabling illness or accident.
Pet Insurance
Pet Insurance is a product that offers pet owners the opportunity to manage the unknown financial risk associated with their pet's future healthcare costs. Pet Insurance offers peace of mind that goes with the knowledge that a member can afford to provide their pet with the best veterinary care available at all times.
Dental Insurance
Studies confirm the strong connection between oral health and an individual’s overall health. Various dental plans are available that include coverage for preventative, basic, and major services. Individual and family plans are available.
Medicare Supplement Insurance
For your members age 65 or older, Medicare Supplement Insurance covers certain health care expenses that Medicare does not. Commonly referred to as "Medigap", this type of insurance is becoming increasing popular due to high out-of-pocket medical costs, increasing deductibles, and substantial co-payments.
Life Insurance
Group Term Life
Life Insurance serves as a foundation for any financial plan whether members are single or have a family. They can provide security to their family’s financial future by purchasing term life insurance. Rates are based on a member’s age and health when coverage begins. The policy provides coverage anywhere in the world and covers all causes of death ranging from illness to accident. The policy is portable, unlike life insurance obtained through an employer.
Accidental Death
Accidental Death is designed to provide a benefit if death occurs due to an accidental injury within one year of the injury. This benefit is paid in addition to any life insurance a member has. Accidental Death can be particularly attractive to members who are active, play sports, or travel.
Travel Insurance
Comprehensive Travel Insurance
Comprehensive Travel Insurance provides coverage in the event a trip is interrupted or canceled, there is a medical emergency while traveling, or baggage is lost. Coverage can be secured to protect against forfeiting pre-paid travel expenses as well as unexpected emergency medical costs.
Short Term International Health Insurance
This form of travel insurance is most useful for those traveling outside of their home country for up to one year. Coverage is provided for the cost of medical care and medical evacuation.
International Health Insurance
International Health Insurance is typically purchased by members who are traveling outside of their home country for 1 week and up to 3 years. Coverage is provided for medical expense and medical evacuation as well as accidental death and dismemberment, lost baggage, and trip interruption.
Visitors Medical Insurance
Visitors Medical Insurance provides coverage for members visiting the U.S. for pleasure, business, or study. Coverage is provided for medical expense and medical evacuation as well as accidental death and dismemberment.

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