Associations
The Association Program helps you multiply your sales potential and make individual disability insurance available to broader audiences. Associations that qualify for the program are given a 10% premium discount on the applicable product.
Find out if your state has approved the Association Program and what products have been approved.
To qualify for the Association Program, the association:
- Must be a dues-paying local, county, state, professional, or trade association
- Must have been in existence for at least two years and formed for the purpose of promoting the interest of the profession (not for the sole purpose of obtaining insurance for members)
- Must have a constitution or by-laws (regardless of whether incorporated)
- Must have an obtainable membership roster
You must receive pre-approval from Underwriting before approaching an association.
- Products: Available for DI, DI Retirement Security, OE, and DBO
- Issue ages: 18 to 60 (in most cases)
- Number of lives: 100+ eligible preferred
- Occupation classes: 3A and above
- Premium rates: Gender-specific (except MT and MA)
- Discounts: 10% Association Discount1, 10% Select Occupation Discount, and up to 10% for Mental/Nervous Substance Abuse (MNSA) Disorder Limitation2 (for DI only)
1 Marketing rights are exclusive to the original writing producer, but other producers may write policies under the discount. National associations typically not considered.
2 Not available in Vermont.
- Contact Jeff Hanneman, Sr. Underwriter.
- Receive pre-approval and pitch the program to the association.
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