Affinity Group Underwriters

What We Do

Affinity Group Underwriters is a unique company specializing in the development, distribution and management of successful affinity group benefit programs. We operate as:

Managing Underwriters

- with the capability to be a complete outsourced affinity markets department on behalf of insurance carriers. Our compensation is directly related to the profitability of the business we produce and manage.

Our managing underwriter services include:

Affinity program creation and management
Case and individual underwriting
Pricing and actuarial support
Compliance and reporting
Policy and premium administration
Claims oversight management
TPA management
Broker and distribution management
Creation and execution of direct response marketing campaigns

When we act as a managing underwriter, our compensation is part of the normal carrier operating expense - not an additional layer. We substitute for, or supplement, the carrier's in-house affinity markets department. As a smaller specialist company, our operating costs are low which can help produce more competitive pricing.

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Product Developers

- creating and bringing to the market new insurance products adapted specifically for direct response distribution to affinity group members. Our staff has the experience and the skills to:

conceive or evaluate new product ideas;
analyze need and marketability;
price and provide actuarial support;
draft policy language and contract terms;
make filings and obtain state regulatory approvals;

We welcome new product concepts and ideas from all sources and will work with our partners to bring them to the market quickly, profitably and effectively.

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Program Administrators

- operating directly on behalf of affinity groups or as a resource for brokers who have the contacts and relationships to obtain affinity group sponsorships but perhaps neither the expertise nor the licenses to administer the programs. Through a strategic alliance, Towers Affinity Benefit Services (TABS), a division of Towers Administrators, Inc., we can provide a full suite of third-party administrator services, including:

developing and executing marketing campaigns
policy and certificate issue
premium administration
customer service
claims payment (not available for all products)

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broker

Insurance Brokers And Consultants

- providing advice and expertise to employers and individuals nationwide in the selection and purchase of life and health insurance.

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