We are committed to providing our clients with highly effective and efficient programs that generate results.  From strategic planning, extensive research, and product development to database modeling, testing and results analysis, our innovative marketing solutions promote and enhance the success of our clients’  business.  We will partner with you to build solutions that deliver results within the framework of your affinity group's goals utilizing the best tools and products for the job.

Group Term Life for members and spouses under age 60. Minimum of $50,000 to maximum of $250,000 in increments of $10,000. Also can include child coverage, waiver of premium, AD&D benefit, conversion privilege and accelerated living benefit.

Group Level Term Life for members and spouses between ages 18 and 70. Benefit amounts from $50,000 up to a maximum of $150,000. 10 year term renewable to age 95. $5,000 to $10,000 available per child. Simplified underwriting.

Senior Term Life is a guaranteed issue, level benefit life insurance plan designed to cover final expenses for members and their spouses ages 45 through 75. Termination is at age 100. Minimum of $2,000 to maximum of $25,000.

Student Term Life is an individual policy sold as a cross-sell to student accident coverage in amounts of $10,000. At age 25 the policies terminate and convert to a "conversion" policy (see below).

Conversion Life is a whole life paid-up at 65 policy and is automatically offered to policyholders with Student Term Life coverage at age 25.

Juvenile Life (SecureStart®) is an individual term life policy that automatically converts to whole life. Simplified issue from $10,000 to $20,000.

Accidental Death & Dismemberment free and voluntary coverage. $1,000 to $2,000 free coverage provided by group with voluntary face amounts up to $250,000. Numerous product (riders) and price variations driven by the group/client.

Student Accident covers students and interscholastic athletes for accidents only and can be written on a blanket or voluntary participation basis. Coverage offered includes K-12 school time, nursery school, college, special risks sports, 24-hour, dental accident and term life.

Cancer Indemnity insurance is available to members, spouses and children who are cancer free (usually for a period of 5 years prior to application). Provides a daily hospitalization benefit for cancer and specific benefits for riders such as ambulance and skin cancer. Numerous product (riders) and price variations are available and variations exist by group/client. Benefits reduce by half at age 65. There is a $300,000 lifetime maximum per insured.

Executive Health Program is a distinctive supplemental health plan that combines next generation medical reimbursement with care navigation and guidance. The program provides preferred patient status with world renowned physicians, resources to help manage medical conditions, preventive care to achieve better health and protection during travel and medical emergencies. With this solution, companies can enhance their benefits package on a selective basis to aid in recruitment and retention.

First Diagnosis cancer insurance is available to members, spouses and children. Positioned as first diagnosis, the plan has a low daily hospitalization confinement benefit of $50 or $100 and a large one time benefit of $5,000 or $10,000.

Hospital Indemnity Protection provides daily benefits from $50 to $200 per day including an array of riders (i.e. cancer, accidental death, skilled nursing, etc.) and benefits available to members, spouses and children. Terminates at age 65. Numerous product (riders) and price variations driven by the group/client. Accident Only Hospital Indemnity is also available.

Medical Expense insurance provides affordable and essential voluntary health care coverage to employers for their employees. The main product offering is a Limited Benefit health product Employers can choose from a fixed indemnity or expense-incurred plan depending on their size and needs. Within each plan type there are five plan options to choose from with varying degrees of coverage and the option of including an employee's family. Ancillary products like Life, Short Term Disability and Dental can also be offered

Pre-65 Retiree Medical insurance was developed to effectively reduce the employer's Retiree healthcare expense and liability while providing retirees quality health coverage. Employers may select from three plan options paying for covered inpatient and outpatient services and prescription drugs.

Student Health and Accident covers college students for health and accident. Every college plan has its own individualized set of benefit levels. Most plans having a maximum of 35k to 50k.

Employer Part D group options are available to employers in conjunction with our Retiree Medical programs. Our nationally recognized PDP partners and Silverscript provide these Part D options.

Part D Plan multi-plan Medicare prescription drug insurance and decision tool program provides members and spouses of participating groups a one-shop-stop for their Medicare Supplement and Part D coverage. We have contracted with Kelsey National as a general agent to market plans from national PDP carriers Cigna, Caremark, Aetna and UAFC.

Medicare Supplement offers national coverage and standardized plans available to member and spouse. Primarily targeted to those turning age 65 (Medicare eligible age).

Retiree Medical is a sponsored employer health plan with flexibility in plan design and contribution level (very similar to Medicare Supplement benefits but also has ability to provide prescription drug indemnity plan and mail order service).

Travel Protection Plans for retail and wholesale (i.e. tour operators, cruise lines, and other wholesale buyers). Coverage includes up to $10,000 of trip cancellation/interruption, accidental death of up to $25,000 (common carrier up to $100,000), and coverage for other medical, emergency and baggage expenses as well as medical emergency assistance.