Health     Dental    Annuities     Life     Accident     Additional Benefits

ASSOCIATION SERVICES
Backed by more than 20 years of experience, Association Member Benefits Advisors (AMBA) provides the following services to associations and their members:

• Leverage the purchasing power of the group by negotiating benefit enhancements, rate and underwriting concessions

• Evaluation and financial expertise to assist organizations in obtaining quality products

• Options and flexible choices for members' benefits

• Ongoing market evaluation to provide the most competitive rates available

• Superior standards for providing innovative benefits and state-of-the-art service

Other Benefits to Associations

• Direct, personal, hand-in-hand planning with associations to create specific solutions for the unique needs of their members
• Full menu of products to meet the association member's needs including custom-tailored or standard coverage to meet professional needs (click on All Products for more information)
• Turn-key implementation of benefits for associations without any administrative burden for clients
• One-stop shopping for insurance and toll-free calling for all insurance concerns
• Continuous analysis of members' needs to make sure coverage provides peace of mind for association administrators and members

Health  top

Why Supplemental Health?
Supplemental Health Products are designed to provide you coverage for expenses not covered by your current health insurance or by government health care programs such as Medicare, Medicaid, or Worker's Compensation. Supplemental programs provide lump sum payments, or they cover non-medical costs such as transportation, lodging, as well as providing coverage for specialty medical areas involving tests, treatments, and medical equipment. The following links (below or on floating menu) provide more information on each of these key areas of supplemental health and financial protection.

Select any of the links below for additional information:
Some benefits not available in all states

• Long Term Care Policy
• VSP Well Vision Plans
• Medicare Supplement Policy
• First Diagnosis Cancer Benefit Policy
• Cancer Treatment Policy
• First Diagnosis Heart Attack & First Major Heart Surgery Policy
• Heart Disease, Heart Attack & Stroke Hospital Income Policy

Dental  top  

Dental Insurance

The dental insurance plan offers reasonable single and family rates for association members. This plan gives you the luxury of using your own dentist, or you may choose a dentist from a nationwide preferred provider network and save 20-30% on expenses. Two annual free cleanings and exams per year are included in the plan.  

Careington International Dental Network Discount Careington maintains a nationwide provider plan of over 20,000 participating dentists. The plan is an affordable discount program that allows members to receive high quality dental service at participating provider's offices. For the low monthly fee, members can receive dentist search services and a staff of member services specialists to respond to all calls about the service. To receive full details about the Careington dental plan, visit www.ambadental.com. Association members may call 800.372.7615 and use the agent code AMBADZ to receive additional information about Careington. Also, Vision care discounts are included in the Careington plan.
 

Annuities  top  

Tax-Deferred Annuity
AMBA offers a Single Premium Tax-Deferred solution for your retirement featuring tax-deferred accumulation of interest, guaranteed competitive interest rate, multiple payout options, income you won't outlive, and a nursing home waiver.

Life  top

Final Expense Whole Life Insurance
You can have peace of mind knowing that your premiums are guaranteed never to increase and your coverage is guaranteed never to decrease. Death benefits paid to your beneficiary are tax free.

Accident  top  

Accident Expense Policy
Unintentional injuries are the leading cause of death for persons ages 1 to 38 and the 5^th leading cause of death overall. The accident policy protects you in 8 ways: ambulance, medical expenses, hospital expenses, intensive care, physical therapy, family lodging and transportation, accidental death, and dismemberment .This policy does not pay losses resulting from sickness. 

Association Member Benefits Advisors 2005